Washington Personal Lines Insurance Practice Test 2026
Practice the exam Washington uses, from general personal lines knowledge to Washington's own insurance law. Every answer quotes the statute behind it.
General Insurance Principles, plus Washington's own insurance law.
100 scored questions. The time limit and passing score are set by Washington; check the candidate handbook.
Last verified September 2026 · Personal Lines Producer - Examination Content Outline
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About the Washington Personal Lines exam
Personal Lines is a narrower license for selling coverage to individuals and families: personal auto, homeowners and umbrella liability. Not every state offers it as a separate exam, so the states below are the ones we cover.
What it covers
- Homeowners and residential property coverage
- Personal auto and umbrella liability
- Cancellation, nonrenewal and notice rules
- Your state's personal lines regulations
Who takes it
Agents who sell only to individuals and households, such as captive agents at personal lines carriers.
What is on the Washington Personal Lines test
Washington's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Federal Laws and Regulations2 Qs
- Washington Laws, Rules and Regulations30 Qs
- General Insurance Concepts5 Qs
- Property and Casualty Insurance Basics26 Qs
- Dwelling Policy Concepts7 Qs
- Homeowners Policy Concepts13 Qs
- Personal Automobile Policy10 Qs
- Other Types of Property Insurance - Purpose and General Characteristics7 Qs
Source: PSI Washington WASHINGTON PERSONAL LINES PRODUCER content outline, 100 Items - 135 Minutes, per the PSI Washington OIC candidate bulletin #6608 (Last Revised 8/3/2026), outline index headed "Effective 4/1/2026". The outline prints no effective or revision note of its own. Eight areas weighted in scored-item counts, summing exactly to 100; no percentages are printed. The bulletin adds one to ten unscored experimental items on top of the 100. (Washington Personal Lines Producer - Examination Content Outline). Confirm current weights with the testing company before you book.
What to bring to the Washington exam
Washington official sources
- Authorization of Insurers and General Requirements (certificate of authority, admission, deposits, discipline)Chapter 48.05 RCW · Washington State Legislature (app.leg.wa.gov)
- Casualty Insurance (personal injury protection, underinsured and hit-and-run motorist coverage, assigned risk plans)Chapter 48.22 RCW · Washington State Legislature (app.leg.wa.gov)
- Insurance Commissioner (broad powers, rule-making, orders, hearings and enforcement)Chapter 48.02 RCW · Washington State Legislature (app.leg.wa.gov)
- General Provisions (scope, and the definitions of insurance, insurer, insurance transaction and the public interest)Chapter 48.01 RCW · Washington State Legislature (app.leg.wa.gov)
- The Insurance Contract (general provisions applicable to all insurers: form filing, insurable interest, application, representations, cancellation, assignment)Chapter 48.18 RCW · app.leg.wa.gov
- Mutual Insurers (formation, membership, surplus, policyholder rights)Chapter 48.09 RCW · Washington State Legislature (app.leg.wa.gov)
- OverinsuranceChapter 48.27 RCW, Secs. 48.27.010 through 48.27.030 · Washington State Legislature (app.leg.wa.gov)
- Insurance Guaranty Association Act (property and casualty guaranty association: covered claims, limits, assessments)Chapter 48.32 RCW · Washington State Legislature (app.leg.wa.gov)
All Washington insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Washington provisions the questions on this page cite most often.
- RCW 48.22.030 · Underinsured, hit-and-run, phantom vehicle coverage3 questions
- RCW 48.18.291 · Cancellation of private automobile insurance by insurer2 questions
- RCW 48.22.005 · Definitions2 questions
- RCW 48.22.090 · Personal injury protection coverage, Exceptions2 questions
- RCW 48.27.010 · Over-insurance prohibited2 questions
- RCW 48.27.030 · Policy does not cover flood damage, Notice to policyholder2 questions
- RCW 48.32.100 · Nonduplication of recovery2 questions
- 18 U.S.C. Sec. 10331 question
Exam figures on this page were checked against official pages: Testing company · Exam fee · License fee · Pre-licensing. Confirm anything you rely on with the testing company and the Washington Department of Insurance.