Finance Exams
Property & Casualty Insurance Exam Prep — 400 Flashcards + Free Mock
A focused Anki deck for U.S. Property & Casualty insurance licensing exam active recall.
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Free readiness check
Free Property & Casualty Insurance Practice Test | 60
Same Property & Casualty Insurance exam — run the linked 60-question timed check for topic scoring and a pass/no-pass report before you buy the deck.
Take free 60-question Property & Casualty Insurance practice testSample cards
What is risk in property and casualty insurance?
Risk is uncertainty about financial loss; P&C insurance transfers covered property or liability loss risk to insurer. Risk of house fire or lawsuit from auto accident.
What is pure risk?
Pure risk has possibility of loss or no loss, not gain, and is generally insurable. Risk of theft, fire, or liability claim.
What is speculative risk?
Speculative risk has chance of gain, loss, or no change and is generally not insurable. Investing in rental property value appreciation.
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Get 400-Card Property & Casualty Insurance Deck — $11 USDProduct facts
- Cards
- 400
- Coverage
- U.S. P&C licensing core topics: property basics, homeowners, dwelling, personal auto, commercial property, BOP, CGL, workers comp, policy structure, exclusions, claims, and regulation
- Format
- .apkg
- Price
- $11 USD
- Checkout
- Gumroad
- Exam cycle
- Current U.S. Property & Casualty insurance licensing exam cycle
- Delivery
- Digital download through Gumroad
Coverage by exam topic
| Topic | Exam weight | Cards |
|---|---|---|
| Property Insurance Basics | P&C topic | High-yield cards |
| Homeowners and Dwelling Policies | P&C topic | High-yield cards |
| Personal Auto | P&C topic | High-yield cards |
| Commercial Property | P&C topic | High-yield cards |
| Business Owners Policy (BOP) | P&C topic | High-yield cards |
| Commercial General Liability | P&C topic | High-yield cards |
| Workers Compensation | P&C topic | High-yield cards |
| Policy Structure, Exclusions, Claims, and Regulation | P&C topic | High-yield cards |
More about Property & Casualty InsuranceExam format, study tips, and how this deck compares
Property & Casualty insurance exam prep
Homeowners, personal auto, CGL, workers comp, and commercial property structures — aligned to national P&C licensing outlines. Pair with the free P&C mock before state exam registration.
Built for: Property & Casualty insurance license candidates, new insurance producers, career changers entering insurance sales, pre-licensing students, and candidates who want active recall for homeowners, auto, commercial lines, and policy provisions.
Covers: U.S. P&C licensing core topics: property basics, homeowners, dwelling, personal auto, commercial property, BOP, CGL, workers comp, policy structure, exclusions, claims, and regulation.
- Spaced-repetition flashcards
- 400 exam-focused flashcards
- Topic coverage table and samples on this page
- Linked free 60-question practice test
How this deck compares
400 cards for Property & Casualty Insurance matches the current u.s. p&c licensing core topics: property basics, homeowners, dwelling, personal auto, commercial property, bop, cgl, workers comp, policy structure, exclusions, claims, and regulation in the coverage table — sized for daily review, not maximum download size. Start with the free 60-question Property & Casualty Insurance practice test, then drill weak rows from the table.
| Approach | Typical size | Tradeoffs |
|---|---|---|
| Free community decks | 1,000–3,000 |
|
| Budget mega-packs | 1,000+ |
|
| This deck | 400 exam-focused flashcards |
|
Property & Casualty Insurance study guide
What is inside
P&C cards: homeowners policy sections, personal auto liability/medical/UM, commercial property causes of loss, CGL occurrence vs claims-made, workers compensation monopolistic states, and BOP packaging. Exclusion cards (pollution, professional liability) are explicit.
Plan with the free mock
Alternate personal-lines and commercial-lines weeks — 20 cards/day. Take the free P&C mock at 21 days out; workers comp and CGL often score lowest for first-time sitters. Drill those table rows.
Pitfalls this deck targets
Candidates mix HO-3 vs HO-6 coverage, mis-apply collision vs comprehensive auto triggers, and forget workers comp exclusive remedy. Cards target those distinctions.
U.S. Property and Casualty insurance producer licensing exams are state-administered. Outlines vary by state; this page summarizes common P&C topic areas and independent UniPrep2Go study products (not official state exam material).
- Questions
- Varies by state; commonly 100–150 multiple-choice
- Time
- Varies by state; commonly 2–3 hours
- Passing score
- Varies by state; commonly 70%
- Delivery
- Computer-based at authorized testing centers
- Administered by
- State insurance department (exam vendor varies by state)
Knowledge domains and weights
| Domain | Weight |
|---|---|
| Dwelling and Homeowners Policies | ~22% |
| Casualty and Liability | ~18% |
| Personal and Commercial Auto | ~15% |
| Property Insurance Basics | ~14% |
| Commercial Property | ~14% |
| General Insurance Concepts | ~11% |
| Policy Conditions and Regulation | ~6% |
High-yield facts (commonly tested)
- Homeowners HO-3 is an open-perils policy on the dwelling and named-perils on personal property.
- Liability coverage pays for bodily injury and property damage the insured is legally obligated to pay.
- Collision covers vehicle impact damage; comprehensive covers non-collision losses such as theft and hail.
- Workers compensation provides medical and wage benefits for work-related injuries regardless of fault.
- An insurable interest and proximate cause are foundational concepts on P&C exams.
Verify current exam fees, scheduling, and administrative details at www.naic.org. Independent study aid — not official exam material.
FAQ
What is on the Property and Casualty insurance license exam?
Typical outlines cover homeowners, auto, commercial property, general liability, workers compensation, and regulation — exact weights vary by state.
Is the P&C licensing exam the same in every state?
No. Each state sets its outline and passing score; verify with your state Department of Insurance.
What file format is delivered?
An Anki-compatible .apkg file delivered through Gumroad.
More questions (1)
Is this official state insurance exam material?
No. This is an independent study aid and is not affiliated with, endorsed by, or sponsored by any state insurance department or exam provider.
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Last updated 2026-06-01.