Finance Exams
Property & Casualty Insurance Exam Prep — 250 Flashcards + Free Mock
A focused Anki deck for U.S. Property & Casualty insurance licensing exam active recall.
One-time purchase · .apkg for Anki (desktop, AnkiMobile, AnkiDroid) · instant download via Gumroad
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3 people have purchased this deck. Recent UniPrep2Go checkout activity — not an official exam board figure.
Exam version & sources
Property and Casualty Insurance Producer Licensing Exam— what this product is (and isn't)
- Exam version
- Current U.S. Property & Casualty insurance licensing exam cycle
- Official source
- NAIC — state insurance regulation
- Last reviewed
- September 21, 2026
- What this covers
- 250 cards — 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
- Does not replace
- Independent study aid — it does not replace official State insurance department (exam vendor varies by state) materials, practice exams, or required training.
Free practice test
Property & Casualty Insurance Practice Test | 25Q Free
Property & Casualty Insurance knowledge diagnostic — 60-question timed check (free 25-question version) with topic scoring and a readiness report before you buy the deck. It checks what you know; it is not a copy of the official exam format.
Take the free 25-question diagnosticSample cards
A building worth $500,000 is insured for $300,000 with an 80% coinsurance clause and a $1,000 deductible. A fire causes a $100,000 partial loss. How much does the insurer pay?
$74,000. Required insurance is 80% × $500,000 = $400,000. The owner carried only $300,000, so the insurer pays $300,000 ÷ $400,000 = 75% of the loss: 75% × $100,000 = $75,000, minus the $1,000 deductible. The owner absorbs the other $26,000 as the coinsurance penalty.
Under an HO-3, a homeowner knocks over a can of paint while redecorating. It ruins the wall-to-wall carpet and a leather sofa. Which damage is covered?
Only the carpet. Wall-to-wall carpet is part of the dwelling (Coverage A), which HO-3 insures on an open-perils basis: any direct physical loss is covered unless excluded, and an accidental spill is not excluded. The sofa is personal property (Coverage C), covered only for named broad-form perils, and a paint spill is not one of them.
Sam carries 25/50/25 auto liability. He causes a crash: driver A has $40,000 of injuries, driver B $15,000, and A's car needs $30,000 of repairs. What does Sam's insurer pay?
$65,000. Bodily injury: A is capped at the $25,000 per-person limit and B's $15,000 is paid in full, a $40,000 total within the $50,000 per-accident limit. Property damage: $25,000 of the $30,000. Sam is personally exposed for the remaining $20,000 ($15,000 + $5,000).
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Get 250-Card Property & Casualty Insurance Deck — $29 USDProduct facts
- Cards
- 250
- 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
- $29 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 |
Exam facts
Property and Casualty Insurance Producer Licensing Exam
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 | Official 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.
Common Property and Casualty Insurance Producer Licensing Exam questions
Straight answers to the questions candidates usually search before buying prep or booking the exam.
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.
Verify current exam fees, scheduling, and administrative details at www.naic.org. Independent study aid — not official exam material.
More about Property & Casualty InsuranceStudy tips, positioning, 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
- 250 exam-focused flashcards
- Topic coverage table and samples on this page
- Linked 60-question practice test (free 25-question version)
How this deck compares
250 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 60-question Property & Casualty Insurance practice test (free 25-question version), 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 | 250 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.
Property and Casualty Insurance Producer Licensing Exam & product 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.
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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