US licensing & insurance · timed practice test · free 25-question / 38-minute diagnostic · State insurance licensing authorities
Free Property & Casualty Insurance Readiness Check
Free 25-question diagnostic, then $5 for 5 full attempts · no signup
UniPrep2Go's free Property & Casualty insurance practice test is a 25-question, 38-minute timed diagnostic with a free topic report and answer review — no email, no account. The full mock is 60 questions / 90 minutes on the $5 UniPrep2Go Mock Pass (5 attempts on any mock).
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
- 25 free · 60 full
- Time
- 38 min free · 90 min full
- UniPrep2Go readiness target
- 70%
- Domains
- 7
- Exam body
- State insurance licensing authorities
- Status
- Live · free 25-question / 38-minute diagnostic
Exam version & sources
Property and Casualty Insurance Producer Licensing Exam— what this product is (and isn't)
- Exam version
- Current official outline
- Official source
- NAIC — state insurance regulation
- Last reviewed
- June 1, 2026
- What this covers
- 60-question timed diagnostic (90 min; free 25-question / 38-min version) across 7 topic areas, with topic scoring and answer review. Official form: Varies by state; commonly 100–150 multiple-choice.
- Pass rule
- Official exam: Varies by state; commonly 70%. UniPrep2Go mock: 70% readiness target (not an official pass score).
- 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.
US licensing & insurance · State insurance licensing authorities
Property & Casualty insurance practice test
Free 25-question diagnostic · 38 min · full 60Q on Mock Pass
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
Experience rating in group health modifies premiums based on
- A. Only national mortality with no group data ever
- B. Agent's personal production
- C. Stock market index returns
- D. The group's own claims experience over time
Sample 2
Which statement best applies to Name common PAP liability exclusions. in personal and commercial auto?
- 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. Liability for injury, sickness, disease, or death of others caused by insured.
- D. Common exclusions include intentional injury, property owned/transported, business use, public/livery conveyance, regular-use vehicles, and racing.
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
In casualty and liability, how does excess liability differ from umbrella?
- A. A retroactive date in claims-made coverage excludes claims arising from events before that date, even if reported during the policy period.
- B. Numbers on business auto declarations indicating which autos are covered for each coverage.
- C. Covers business liability for bodily injury, property damage, personal/advertising injury, and medical payments subject to exclusions.
- D. Excess usually follows underlying coverage terms more closely; umbrella may broaden coverage
Sample 5
In homeowners/dwelling coverage, how does HO cover personal property off premises?
- A. Coverage often applies worldwide but may be limited for property usually at another residence
- B. Broader defined locations for liability/medical payments including residence premises and certain temporary premises.
- C. Covers personal property owned or used by insured, subject to limits and exclusions.
- D. Business exposure from day care is excluded/limited without endorsement.
What is the P&C Readiness exam?
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.
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
- UniPrep2Go readiness target: 70% with topic breakdown
- Full answer review after you submit
Your first UniPrep2Go attempt is free: a 25-question timed diagnostic on any exam (Exam or Learn mode, no signup) with the full topic report. Full-length mocks and retakes run on a $5 UniPrep2Go Mock Pass (Gumroad license key): 5 attempts on any mock. 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 topicsOfficial 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 | 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.
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 — your first UniPrep2Go attempt is free, and it can be this one: a 25-question / 38-minute timed diagnostic drawn by the same topic weights, a 70% readiness target, topic scoring, and a full answer review report. No signup, Exam or Learn mode. The full 60-question / 90-minute mock runs on the $5 UniPrep2Go Mock Pass (5 attempts on any mock).
How many free attempts do I get on this Property & Casualty insurance practice test?
One. Your first UniPrep2Go attempt is free: a 25-question timed diagnostic on any exam (Exam or Learn mode, no signup) with the full topic report. Full-length mocks and retakes run on a $5 UniPrep2Go Mock Pass (Gumroad license key): 5 attempts on any mock. Every attempt ends with the full topic report and answer review — the report itself is never paywalled.
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. The free first attempt is a 25-question / 38-minute diagnostic with the same topic weights; the full session runs on Mock Pass. Readiness check sampled from the Property & Casualty Insurance deck. State licensing outlines vary.
Why is the free Property & Casualty insurance practice test 25 questions?
It is a diagnostic: 25 questions drawn by the same topic weights as the full 60-question mock — enough to rank your weakest topics, short enough to finish in 38 minutes in one sitting. With 1–6 questions per topic it is a quick read, not a verdict; for a full-length timed score, run the 60-question / 90-minute mock.
What do I get for $5?
The UniPrep2Go Mock Pass: 5 full timed attempts on any UniPrep2Go mock, including the 60-question P&C Readiness session, in Exam or Learn mode. It is a one-time Gumroad license key that works on any device — no subscription. Every attempt ends with the full topic report and answer review.
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.
More FAQAdditional format, scoring, and disclaimer questions
- Who should take this Property & Casualty insurance practice test?
- Property & Casualty insurance producer candidates preparing for state licensing exams.
- Where can I take a Property & Casualty insurance practice test online?
- UniPrep2Go hosts the Free Property & Casualty Insurance Readiness Check at https://uniprep2go.study/mock-exams/property-casualty-insurance-readiness-check with a timed runner and full readiness report.
- Is this official exam material?
- No. This is an independent readiness diagnostic. It is not official FINRA, CFA Institute, or GARP exam material and does not guarantee an exam result.
- 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.