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Property and Casualty Practice Test 2026: 55 Questions

Audio from the Open Exam Hub video of the same name; the video shows the numbers and practice questions on screen.

Free Property and Casualty practice test
Property and casualty practice test: 55 original questions for the general knowledge part of the P&C insurance license exam, every answer explained, weighted like Pearson VUE's P&C general knowledge content outline. Property Policies (12: HO-4 for renters, HO-3 perils, loss of use, Coverage B, DP-1, business income, causes-of-loss forms, BOP, builders risk, personal articles floaters, NFIP flood, earthquake), Property Terms (8: law of large numbers, insurable interest, morale hazard, indirect loss, actual cash value math, 80% coinsurance math, proximate cause, vacancy), Property Provisions (7: declarations, mortgage clause, appraisal, pro rata other insurance, subrogation, consideration, adhesion), Casualty Policies and Bonds (13: CGL Coverage A, B and C, claims-made, completed operations, 50/100/25 split limits, other than collision, uninsured motorists, exclusive remedy, employers liability, robbery, surety bonds, D&O, umbrellas), Casualty Terms (8: negligence, vicarious liability, general, special and punitive damages, comparative negligence, occurrence, premium audit, certificates of insurance) and Casualty Provisions (7: supplementary payments, duty to defend, voluntary payments, cancellation notice, other insurance on a borrowed car, TRIA, who is an insured). Every state runs its own exam. Example as of October 2026, per Pearson VUE's Texas candidate handbook: the General Lines Property and Casualty exam has 100 scored general questions plus 10 pretest, and 30 scored Texas questions plus 5 pretest; 150 minutes; $49; a scaled passing score of 70; failed candidates can retest within one day. This video covers the general section only, not state law. Our 44-of-55 target is a planning estimate, not a state number. Questions are original, not real exam questions. Not affiliated with Pearson VUE, PSI, Prometric or any state insurance department.

Property and casualty practice questions
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Chapters
0:00 Property and casualty practice test
2:10 Section 1: Property Policies: Questions 1 to 12
10:17 Section 2: Property Terms: Questions 13 to 20
16:04 Section 3: Property Provisions: Questions 21 to 27
21:10 Section 4: Casualty Policies and Bonds: Questions 28 to 40
30:38 Section 5: Casualty Terms: Questions 41 to 48
36:16 Section 6: Casualty Provisions: Questions 49 to 55
41:35 Score yourself

Exam facts are from the official State insurance departments (example: Texas Department of Insurance, exam administered by Pearson VUE) pages as of 2026-10-27. Fees and rules can change, so confirm on the official site before you enroll. Open Exam Hub is an independent study resource, not affiliated with State insurance departments (example: Texas Department of Insurance, exam administered by Pearson VUE). Practice questions are not from a real exam. Narration is an AI-generated voice.

Music
"Fresh Air" Kevin MacLeod (incompetech.com)
Licensed under Creative Commons: By Attribution 4.0 License
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"Carefree" Kevin MacLeod (incompetech.com)
Licensed under Creative Commons: By Attribution 4.0 License
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"Reminiscing" Kevin MacLeod (incompetech.com)
Licensed under Creative Commons: By Attribution 4.0 License
creativecommons.org/licenses/by/4.0

"Almost Bliss" Kevin MacLeod (incompetech.com)
Licensed under Creative Commons: By Attribution 4.0 License
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Sound effects: Kenney (kenney.nl), CC0.

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