What does the report show after the mock?

Your report shows a pass/no-pass verdict with explanation, topic diagnosis, pacing notes, full question review with explanations, and a repair plan that links to the paid Anki deck on Gumroad for weak-topic drilling.

Where do the questions come from?

Questions are original UniPrep2Go practice items aligned to published topic outlines — not leaked official exam questions.

US licensing & insurance · free timed practice test · State insurance licensing authorities

Free Property & Casualty Insurance Readiness Check

P&C Readiness is an exam pathway administered under State insurance licensing authorities. Readiness check sampled from the Property & Casualty Insurance deck. State licensing outlines vary. This UniPrep2Go page is an independent timed practice test — not official exam material.

Official-source aligned. Topic weights, timing, and pass rules follow published State insurance department (exam vendor varies by state) outlines. Questions are original UniPrep2Go study aids — not leaked official items. Verify on the official site ↗

Loading timed practice test…

Questions: 60
Time: 90 min
Pass target: 70%
Domains: 7
Exam body: State insurance licensing authorities
Status: Live · free

P&C Readiness practice test study cluster

US licensing & insurance · State insurance licensing authorities

Property & Casualty insurance practice test

60 Q · 90 min · 70% target

Sample P&C Readiness practice questions

These sample items mirror the domains in the timed P&C Readiness mock. Correct answers and explanations unlock inside the practice session.

Sample 1
For the property and casualty insurance exam, which of the following best answers this item: In homeowners/dwelling coverage, what does earthquake endorsement do?
- A. earthquake endorsement always eliminates all investment, legal, and regulatory risk for every customer
- B. earthquake endorsement has no application in US securities, insurance, or licensing markets
- C. Adds earthquake coverage otherwise excluded, usually with special deductible/terms
- D. earthquake endorsement is identical to FDIC deposit insurance for every customer account
Sample 2
For the property and casualty insurance exam, which of the following best answers this item: Name common PAP liability exclusions. (workplace scenario 10)?
- A. Bodily injury and property damage liability for covered auto accidents for which insured is legally responsible.
- B. One liability limit applies to all covered BI and PD from accident.
- C. Common exclusions include intentional injury, property owned/transported, business use, public/livery conveyance, regular-use vehicles, and racing.
- D. Liability for injury, sickness, disease, or death of others caused by insured.
Sample 3
Under a Building and Personal Property Coverage Form (BPP), which property categories are typically addressed at the described premises?
- A. Building, business personal property, and personal property of others, subject to limits and conditions
- B. Only automobiles scheduled on a business auto symbol
- C. Only workers’ compensation medical benefits
- D. Only ocean cargo while on the high seas
Sample 4
Which statement correctly describes property coinsurance? (workplace scenario 9) as tested in property insurance basics?
$$Payment=\frac{Insurance\ Carried}{Insurance\ Required}\times Loss$$
- A. forbids insured to carry insurance equal to specified percentage of property value or face penalty for partial losses
- B. property coinsurance? (workplace scenario 9) has no application in US securities, insurance, or licensing markets
- C. Requires insured to carry insurance equal to specified percentage of property value or face penalty for partial losses
- D. property coinsurance? (workplace scenario 9) is identical to FDIC deposit insurance for every customer account
Sample 5
Which statement correctly describes unfair claims practices as tested in P&C policy conditions and regulation?
- A. unfair claims practices always eliminates all investment, legal, and regulatory risk for every customer
- B. unfair claims practices has no application in US securities, insurance, or licensing markets
- C. Improper claim handling such as unreasonable delay, misrepresentation, failing to investigate, or unfair settlement
- D. unfair claims practices is identical to FDIC deposit insurance for every customer account

What is the P&C Readiness exam?

Administered by: State insurance licensing authorities (official site ↗)

Official resources: NAIC — state insurance regulation · PSI insurance licensing exams (common vendor)

Who this exam is for

Property & Casualty insurance producer candidates preparing for state licensing exams.

How to prepare

Start with this free timed diagnostic to see which P&C Readiness domains are weak, then review the published State insurance department (exam vendor varies by state) outline on the official site and drill missed topics with the linked Anki deck before exam day.

Confirm current fees, eligibility, and scheduling with State insurance department (exam vendor varies by state) before you book the real exam.

Topic outline

Core domains candidates usually study for P&C Readiness: Dwelling and Homeowners Policies, Casualty and Liability, Personal and Commercial Auto, Property Insurance Basics, Commercial Property, General Insurance Concepts, Policy Conditions and Regulation.

Dwelling and Homeowners Policies
Casualty and Liability
Personal and Commercial Auto
Property Insurance Basics
Commercial Property
General Insurance Concepts
Policy Conditions and Regulation

About this free Property & Casualty insurance practice test

A P&C insurance licensing readiness check covering homeowners, personal auto, commercial property, general liability, workers compensation, and key regulation concepts.

Built for: Property & Casualty insurance producer candidates preparing for state licensing exams.

Topics on this practice test: Dwelling and Homeowners Policies, Casualty and Liability, Personal and Commercial Auto, Property Insurance Basics, Commercial Property, General Insurance Concepts, Policy Conditions and Regulation.

60 timed multiple-choice questions
90-minute pacing target
70% pass threshold with topic breakdown
Full answer review after you submit

Free timed mock with full topic report — no signup. After your score, buy the linked Anki deck on Gumroad to drill weak topics with spaced repetition.

Buy Property & Casualty Insurance Anki deck to drill weak topics

Official Property and Casualty Insurance Producer Licensing Exam facts

Structure and domain weights candidates verify against the certifying body before exam day.

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.

Property & Casualty insurance practice test — quick answers

Is there a free Property & Casualty insurance practice test?

Yes — UniPrep2Go hosts a free online Property & Casualty insurance practice test with 60 timed questions, 90 minutes, a 70% pass target, topic scoring, and a full answer review report. Free timed practice test.

How many questions are on this free Property & Casualty insurance practice test?

This UniPrep2Go practice test has 60 multiple-choice questions timed against a 90-minute target. Readiness check sampled from the Property & Casualty Insurance deck. State licensing outlines vary.

What score do you need on this Property & Casualty insurance practice test?

The pass target on this practice test is 70%. Your report also breaks down performance by topic so you can see weak areas before the real exam.

Who should take this Property & Casualty insurance practice test?