Free Property and Casualty Insurance Practice Test
Practice property and casualty questions written to the Pearson VUE general-knowledge outline, with a worked answer for every coinsurance and loss calculation, then take a full timed mock: 110 questions, 100 scored, with a score for every section.
110 questions in 114 minutes, scored on the 100 that count, with a score for every outline section and a worked answer for every question.
Or start with a free 10-question drill- 310 original property and casualty questions with worked answers
- 4 outline sections, each scored separately in the mock
- 110 questions in the full mock, 114 minutes
In insurance contract law, what does the term concealment mean when applied to an applicant?
What the property and casualty exam covers
- What it covers
- The general-knowledge part of a property and casualty producer exam: homeowners, dwelling and commercial property, auto, general liability, workers compensation, crime, bonds, insurance terms and policy provisions
- Questions on our mock
- 110 multiple-choice questions with four options: 100 scored plus 10 unscored pretest questions, as in the general part of the Pearson VUE Texas exam
- Time on our mock
- 114 minutes, the same pace as the 150-minute Texas General Lines exam
- Section weights
- Property policies 22 · Casualty policies and bonds 23 · Insurance terms 30 · Policy provisions and contract law 25
- State law
- Every state adds a part on its own insurance law. Texas candidates take the general part and a 35-question Texas part in one 150-minute exam
- Who licenses
- Each state’s insurance department issues producer licenses and sets the exam; a testing vendor (Pearson VUE, PSI or Prometric) delivers it
What’s on the Property and Casualty exam
The Pearson VUE content outline, effective September 1, 2026. Our full mock draws its 100 scored questions at these counts and mixes in 10 unscored pretest questions, as on the real exam. Every section has a study guide and a free ten-question drill with a worked answer after every question.
| Section | What it covers | Questions | Drill |
|---|---|---|---|
| Property and casualty policies | 45 + 5 pretest | ||
| I. Property policies | Homeowners and dwelling forms, commercial property, business income, the BOP, builders risk, inland marine, flood, earthquake and other property coverages | 22 | 10-question drill |
| IV. Casualty policies, bonds and liability coverages | Commercial general liability, personal and business auto, workers compensation and employers liability, crime, bonds, professional liability and umbrella | 23 | 10-question drill |
| Terms, provisions and contract law | 55 + 5 pretest | ||
| II, V. Insurance terms and related concepts | Risk, hazards, perils, loss valuation, coinsurance, indemnity, negligence and liability, damages, binders, warranties, representations and concealment | 30 | 10-question drill |
| III, VI. Policy provisions and contract law | Declarations, insuring agreement, conditions and exclusions, who is insured, duties after loss, mortgagee rights, appraisal, other insurance, subrogation, cancellation and contract law | 25 | 10-question drill |
What the property and casualty exam tests
- Which policy covers which loss: the homeowners and dwelling forms and their perils, commercial property with business income, the BOP, flood and inland marine.
- Liability: the CGL coverages, occurrence and claims-made triggers, personal and business auto, workers compensation and employers liability, umbrella, crime and bonds.
- The terms and arithmetic of property insurance: actual cash value, replacement cost, coinsurance penalties, deductibles and how other-insurance clauses split a loss.
Take a full Property and Casualty mock under the real clock
110 questions in 114 minutes, scored on the 100 that count, with a score for every outline section and a worked answer for every question.
Or start with a free 10-question drillHow to get licensed
- Check your state’s candidate handbook for the exam’s question count, time limit, fee and any prelicensing course requirement.
- Study the general-knowledge outline, then your state’s insurance law. In Texas both parts are in the same exam.
- Schedule the exam with your state’s testing vendor and sit it at a test center.
- After you pass, apply to the state insurance department for the license, with fingerprints if your state requires them.
Common questions
How many questions are on the property and casualty insurance exam?
It depends on the state. In Texas the General Lines Property and Casualty exam has 145 questions in 150 minutes: 100 scored general-knowledge questions plus 10 pretest, and 30 scored Texas-law questions plus 5 pretest. Our general-knowledge mock uses the same 110-question general part.
Is the property and casualty exam hard?
In Texas, 59% of first-time candidates passed the General Lines Property and Casualty exam in 2025, according to the Texas Department of Insurance pass-rate report. Coverage forms and the coinsurance arithmetic are where most points are lost.
Is there math on the property and casualty exam?
A little: coinsurance penalties, deductibles, actual cash value with depreciation and splitting a loss between policies. Our drills show each step.
Are these questions the same in every state?
The general-knowledge content is close across states because it tests the same standard policy forms and concepts. State law is different in each state; our Texas pages cover the Texas part.
Are these real exam questions?
No. Testing vendors and states do not release exam questions. These are original practice questions written to the published Pearson VUE content outline, with a worked explanation and the source behind every answer.
Ready for exam day?
110 questions in 114 minutes, scored on the 100 that count, with a score for every outline section and a worked answer for every question.
Or start with a free 10-question drillInsurance license practice exams
One insurance license pass covers every full mock exam and unlimited drills below. Every drill’s first attempt is free. All exams: insurance license practice test.
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Exam format, fees, passing scores and pass rates checked November 2026: Texas Insurance Content Outlines (effective September 1, 2026) · Texas Insurance Licensing Candidate Handbook.
Original independent practice questions written to the published Pearson VUE content outline. Not affiliated with or endorsed by Pearson VUE, the Texas Department of Insurance or any state insurance department.