West Virginia Personal Lines Insurance Practice Test 2026

About the West Virginia 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 is on the West Virginia Personal Lines test

West Virginia's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.

Source: West Virginia Insurance Supplement - Examination Content Outlines, Effective: June 16, 2026 (Pearson VUE publication #124901; running head "Effective Date: June 16, 2026"). West Virginia sells three Property & Casualty producer exams (InsWV-Prop30 WV Property, InsWV-Cas40 WV Casualty, InsWV-PC03 WV Property and Casualty) and each is a GENERAL KNOWLEDGE outline plus a WEST VIRGINIA SPECIFIC outline; the combined exam prints TWO general-knowledge outlines, Property and Casualty, plus one state-law outline, so seven sections are recorded. The combined exam's general-knowledge outlines are word-for-word the outlines used by the single-line exams; they are recorded separately because they belong to a different exam with a different state-law outline. Counts are the outlines' own scoreable-question figures, stated separately from their pretest questions. PUBLISHER DEFECT PRESERVED: in the PROPERTY & CASUALTY combined exam's PROPERTY GENERAL KNOWLEDGE outline, area I's lettered sub-topics are printed V, W, X, Y, Z, AA instead of A, B, C, D, E, F -- a lettered list that continued instead of restarting. The titles are identical to the single Property outline's A-F. The printed labels are kept, per the rule that the publisher's codes are copied rather than corrected, so those codes read I.V, I.W, I.X, I.Y, I.Z, I.AA. Note that 'V.Homeowners' and 'X.Commercial lines' are sub-topics, NOT areas V and X. WEST VIRGINIA ALSO PRINTS A SCOREABLE-QUESTION COUNT OR RANGE ON EACH LETTERED SUB-TOPIC of the state-law outlines (e.g. 'Insurance Commissioner ... 2', 'Malpractice Policies ... 0-1'). The schema carries weights only on top-level areas, so, following taxonomy/life-health/wv.json built from this same document, those figures are kept inside the sub-topic title after the outline's dot leaders rather than dropped. Each WEST VIRGINIA SPECIFIC outline opens with 'Ref: All references below are taken from the West Virginia Code and/or the West Virginia Code of State Rules', so a statutoryRef like '33-12-6' is W. Va. Code 33-12-6 and 'Rule 114-8-1' is a Code of State Rules citation. EXTRACTION NOTE, as recorded in this document's manifest entry: the PDF emits each page's header block (state name, exam title, 'CONTENT OUTLINE', effective date, page label) AFTER the body text of the page it belongs to, so those lines interleave with the outline and were excluded by exact match; the extraction also drops the space after some labels ('A.Insurance Commissioner') and breaks words mid-token across lines ('unauthor' / 'ized companies'), which is why some titles read oddly. Those are extraction artefacts of the committed text, not readings of a different document. HANDBOOK DISAGREEMENT, recorded not reconciled: wv-pearsonvue-handbook's exam table gives WV Property 90, WV Casualty 90, WV Property and Casualty 150 and WV Personal Lines 120 questions, while the outlines total 85, 85, 158 and 118 including their stated pretest questions. The outlines' scored figures are used here. (West Virginia Insurance Content Outlines). Confirm current weights with the testing company before you book.

West Virginia official sources

• W. Va. Code ch. 33, Insurancearticles 6, 11, 13, 13C, 15, 16 and 16D, 203 sections · West Virginia Legislature
• Insurance Producer LicensingW. Va. Code Chapter 33, Article 12 (Insurance Producers and Solicitors) · West Virginia Legislature (code.wvlegislature.gov)
• Insurance Guaranty Association Act (Property & Casualty)W. Va. Code Chapter 33, Article 26 · West Virginia Legislature (code.wvlegislature.gov)
• Motor Vehicle Safety Responsibility LawW. Va. Code Chapter 17D (Articles 1, 2, 2A, 3, 4, 6) · West Virginia Legislature (code.wvlegislature.gov)
• Insurance CommissionerPowers, Hearings and Penalties - W. Va. Code Chapter 33, Article 2 · West Virginia Legislature (code.wvlegislature.gov)

All West Virginia insurance laws and exam sources

Provisions these questions cite most

Every answer quotes the provision it tests. These are the West Virginia provisions the questions on this page cite most often.

• W. Va. Code § 33-11-4 · Unfair methods of competition and unfair or deceptive acts or practices defined7 questions
• W. Va. Code § 17D-2A-3 · Required security; exceptions2 questions
• W. Va. Code § 17D-2A-4 · Certificate of insurance2 questions
• W. Va. Code § 17D-2A-7 · Suspension or revocation of license, registration; reinstatement2 questions
• W. Va. Code § 17D-4-2 · "Proof of financial responsibility" defined2 questions
• W. Va. Code § 33-11-6 · Violations, cease and desist and penalty orders and modifications thereof2 questions
• W. Va. Code § 33-12-3 · License required2 questions
• W. Va. Code § 33-12-6 · Application for license2 questions

Exam figures on this page were checked against official pages: Pre-licensing. Confirm anything you rely on with the testing company and the West Virginia Department of Insurance.