FL • P&C

Florida Property & Casualty Insurance Exam — Practice Test & Study Guide

Sell property, casualty, auto and commercial lines insurance. Covers homeowners, commercial property, liability coverage, business owner policies, and underwriting fundamentals.

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Questions

100

scored items

Time limit

120 min

FL DFS format

Passing score

70%

raw or scaled

Pre-licensing

60h

required in FL

Exam content outline

From the official FL DFS P&C content outline. Mock exams sample at these weights.

Section	Weight	≈ Questions
National-PC-I Property Policies	10%	10
National-PC-II Property Terms & Concepts	7%	7
National-PC-III Property Provisions & Contract Law	6%	6
National-PC-IV Casualty Types & Bonds	10%	10
National-PC-V Casualty Terms & Concepts	7%	7
National-PC-VI Casualty Provisions	8%	8
National-PC-VII Federal Regulation	6%	6
National-PC-VIII Marine	3%	3
National-PC-IX Specialty Lines	3%	3
FL-2-20-FS-I Common to All Lines	13%	13
FL-2-20-FS-II General Lines	15%	15
FL-2-20-FS-III Health	6%	6
FL-2-20-WC Workers Comp	4%	4
FL-2-20-FIGA Guaranty	2%	2

Sample questions

Items from our P&C bank, aligned to the FL FL DFS outline — see the difficulty and explanation depth.

Q1 • FL General Linesmedium

Under Florida's Financial Responsibility Law, which coverages are mandatory for ALL registered private passenger vehicles in Florida?

APIP ($10,000) and PDL ($10,000) only — BI liability is NOT required for most drivers

BPIP ($10,000), PDL ($10,000), and BI ($10,000/$20,000) for all drivers

CBI ($25,000/$50,000) and PDL ($10,000) — PIP is optional in Florida

DPIP ($25,000) and BI ($10,000/$20,000) — PDL is optional

Why

Florida requires only PIP ($10K) and PDL ($10K); bodily injury liability is not mandatory for most drivers.

Q2 • FL Workers Comphard

A forklift operator is seriously injured when his supervisor deliberately disables the safety interlock, knowing injury is substantially certain to result. Can the employee sue the employer in civil court despite Florida's WC Exclusive Remedy doctrine?

ANo — WC exclusive remedy (§440.11) bars all civil suits against employers for any workplace injury without exception

BYes — the intentional tort exception allows a civil suit when the employer commits an act with knowledge that injury is substantially certain to follow

CYes — any injury caused by a supervisor (rather than the employer directly) falls outside WC exclusive remedy

DNo — the employee must exhaust all WC administrative appeals before filing in civil court, which precludes tort recovery

Why

The §440.11 intentional tort exception allows civil suit when the employer acts with knowledge that injury is substantially certain to result.

Q3 • Property Policiesmedium

A homeowner with a valuable collection of electronics wants coverage for any accidental loss to personal property, not just listed perils. Which single policy form would best accomplish this without a separate floater?

AHO-2, because it covers 16 broad named perils

BHO-3, because the dwelling section is open-peril

CHO-5, because it provides open-peril coverage on both dwelling and personal property

DHO-8, because it uses market value and applies to all property types

Why

HO-5 is the only standard form offering open-peril coverage on personal property without a separate floater.

Q4 • Casualty Terms & Conceptsmedium

Two drivers negligently collide and injure a pedestrian. Driver A settles with the pedestrian for $80,000 before trial. Driver B is later found liable and assessed $120,000. Driver A seeks contribution from Driver B. What Florida rule governs?

ADriver A may recover a pro rata share from Driver B under the right of contribution among tortfeasors

BDriver A has no contribution rights because settling extinguishes all rights against co-defendants

CDriver B must pay Driver A the full $80,000 because B had the larger judgment

DContribution is prohibited in Florida because of the comparative fault statute

Why

A settling tortfeasor retains contribution rights against non-settling co-defendants for overpayment of proportionate share.

Q5 • Specialty Linesmedium

A multinational employer's Kidnap, Ransom & Extortion (K&R) policy includes both 'Ransom Monies' coverage and a 'Threat Insurance' insuring agreement. A foreign actor sends a credible extortion email threatening employees but no actual ransom is paid. How do the two insuring agreements interact?

AOnly the Ransom Monies insuring agreement can respond, and it pays solely when a ransom is actually surrendered to the perpetrator after a covered event, so a credible threat producing no ransom payment leaves the entire policy wholly unresponsive to the incident

BRansom Monies reimburses sums actually surrendered; the Threat Insurance / Crisis Response agreement responds to credible threats and funds threat-response services regardless of whether ransom is paid — both may apply to one incident, each to its own limit

CThreat Insurance is a state-mandated coverage variant filed only in certain jurisdictions and is generally unavailable within standard K&R policy forms

DThe two insuring agreements are mutually exclusive by policy condition, so only one of them can be triggered for any single kidnap or extortion incident

Why

Ransom Monies reimburses actual ransom paid; Threat Insurance funds threat response regardless of payment.

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Florida state law module

State-specific laws and regulations make up 10–20% of the FL P&C exam. Our markdown-based state-law module walks through what FL DFS actually tests.

Read FL P&C state law

Florida P&C Exam FAQ

How many questions are on the FL P&C exam?

The Florida Property & Casualty licensing exam has 100 scored questions plus a few unscored pretest items. You have 120 minutes to complete it.

What's the passing score for FL P&C?

70% is the passing score in Florida, calculated against the scored question count. FL DFS reports results immediately at the test center.

How long should I study for the FL P&C exam?

Most P&C candidates spend 40–80 hours over 3–6 weeks. Start with the free diagnostic — it’ll tell you which sections to focus on instead of cramming the whole outline evenly.

Where do I take the Florida P&C exam?

FL DFS contracts with major proctored-exam vendors. Check the Florida Department of Financial Services website for an up-to-date list of test centers in Florida.

Are these practice questions matched to the FL outline?

Yes — we follow the FL DFS content outline section by section, and our FL P&C bank includes 1,400 state-tagged items alongside the national NAIC content. Mock exams are composed from real section weights, not a generic question dump.

How much does EstatePass cost? Do I need a separate plan for P&C?

No — one EstatePass Pro plan covers Real Estate, Insurance License (L&H / P&C / Personal Lines), MLO, and Contractor exam prep. Free tier includes 20 practice answers/day and the diagnostic. Pro is $9.99/mo, $19.99/quarter, or $39.99 Lifetime — unlimited practice, mock exams, AI tier-3 explanations, and every channel.