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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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Our mock exam
100 questions
what you sit here, not the state's count
Official time limit
180 min
FL exam, verified
Passing score
70%
set by FL DFS
Pre-licensing
200h
required in FL

Exam content outline

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

SectionWeight≈ Questions
National-PC-I Property Policies10%10
National-PC-II Property Terms & Concepts7%7
National-PC-III Property Provisions & Contract Law6%6
National-PC-IV Casualty Types & Bonds10%10
National-PC-V Casualty Terms & Concepts7%7
National-PC-VI Casualty Provisions8%8
National-PC-VII Federal Regulation6%6
National-PC-VIII Marine3%3
National-PC-IX Specialty Lines3%3
FL-2-20-FS-I Common to All Lines13%13
FL-2-20-FS-II General Lines15%15
FL-2-20-FS-III Health6%6
FL-2-20-WC Workers Comp4%4
FL-2-20-FIGA Guaranty2%2

Sample questions

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

Q1 • Property Policiesmedium

A condominium unit-owner attaches ISO HO 17 32 to her HO-6 policy. A guest carelessly drops a barbell, gouging the engineered hardwood floor that was installed by the unit-owner. The damage is from a peril not specifically excluded. How does HO 17 32 respond compared to the unendorsed HO-6 Coverage A grant?

AIt does not change Coverage A; the unendorsed HO-6 already pays on an open-perils basis for all unit-owner building fixtures and improvements, so the endorsement adds nothing and the accidental impact damage to the hardwood floor would be covered with or without it because the base form already responds to any direct physical loss not specifically excluded
BIt converts Coverage C personal property to open-perils form but leaves the Coverage A unit-owner building items on the unendorsed named-perils basis
CIt pays only after the condominium association's master property policy first formally denies the claim for the damaged interior improvement
DHO 17 32 broadens Coverage A from named-perils to special open-perils form for the unit-owner's building property, so accidental impact damage to the hardwood is covered unless an exclusion applies; the unendorsed HO-6 Coverage A is named-perils only and would not respond to accidental impact
Why

HO 17 32 upgrades HO-6 Coverage A from named-perils to special (open-perils), so accidental impact damage to unit-owner improvements is covered unless excluded.

Q2 • Casualty Provisionsmedium

A trucking company's Business Auto Policy carries Symbol 1 (Any Auto) for Liability. The shipper customer wants to be added as an insured for liability arising out of the trucker's use of the shipper's trailer. Which ISO CA endorsement most directly addresses adding a designated person/organization as an insured on the BAP?

ACA 99 10 Drive Other Car Coverage, which extends liability, medical payments, and physical damage to an executive and family members while using a private passenger auto not owned by the named insured, applied here as the means to add the shipper as an insured for the trucker's use of the shipper's trailer arising out of the business auto operations.
BCA 99 03 Auto Medical Payments Coverage, which pays reasonable and necessary medical expenses for the insured and occupants injured in an accident involving a covered auto, applied here as the means to add the shipper as an insured for the trucker's use of the shipper's trailer arising out of the business auto operations.
CAn ISO CA endorsement designating an additional named insured (e.g., CA 20 48 or CA 99 16 Hired Auto AI) extending insured status to the specified person or organization for liability arising out of the named insured's use of covered autos as described in the endorsement.
DCA 04 44 Waiver of Transfer of Rights of Recovery Against Others to Us, which waives the insurer's subrogation rights against a scheduled person or organization, applied here as the means to add the shipper as an insured for liability arising out of the trucker's use of the shipper's trailer in business auto operations.
Why

BAP additional insured endorsements (CA 20 / CA 99 series) extend insured status to scheduled parties for liability arising out of the named insured's use of covered autos.

Q3 • Property Policieseasy

In NFIP terminology, a 'Pre-FIRM' structure is one that was:

AConstructed at any point before the National Flood Insurance Act of 1968 was first enacted by Congress, irrespective of the community's later map adoption date
BConstructed after the community's most recent FIRM revision but before the nationwide Risk Rating 2.0 rating methodology was fully deployed and implemented
CLocated in any designated Special Flood Hazard Area at the time of binding, regardless of the structure's actual construction date
DConstructed before the community's initial Flood Insurance Rate Map (FIRM) was issued, or before December 31, 1974, whichever is later
Why

Pre-FIRM = built before initial community FIRM, or 12/31/1974, whichever is later.

Q4 • Casualty Provisionseasy

A veterinary clinic attaches ISO CG 21 16 (Exclusion — Designated Professional Services) with 'veterinary medicine' listed in the Schedule. A client sues alleging a pet died from misdiagnosis. How does CG 21 16 respond to the claim?

AIt excludes injury arising out of the professional services listed in the Schedule, so the misdiagnosis claim is excluded and the clinic needs a separate professional policy.
BIt provides affirmative professional liability coverage for the scheduled veterinary services, functioning as a fully built-in malpractice grant embedded within the commercial general liability policy itself.
CIt excludes only services performed outside the clinic's licensed scope of practice, so any treatment rendered within the veterinarian's license remains covered under the CGL.
DIt applies only to property damage claims arising from the scheduled services and leaves bodily injury claims, including animal-death claims, fully covered under the CGL.
Why

CG 21 16 excludes BI/PD/P&AI arising from rendering or failing to render the professional services scheduled — here veterinary medicine — so the misdiagnosis claim is excluded.

Q5 • Casualty Types & Bondsmedium

ISO endorsement CR 25 50 (ERISA Employee Benefit Plans — Schedule Limit Of Insurance) is attached to a commercial crime form to satisfy which specific statutory requirement?

AThe SEC Rule 10b-5 anti-fraud requirement applicable to publicly traded plan fiduciaries who trade in or recommend the employer's securities to participants.
BThe fidelity bonding requirement of ERISA §412 (29 USC §1112) for employee benefit plan fiduciaries and others who handle plan funds.
CThe OSHA recordkeeping requirement obligating covered employers to log and report serious workplace injuries and illnesses on the Form 300 injury logs.
DThe Sarbanes-Oxley §404 internal-controls attestation requirement compelling management and the external auditor to assess financial-reporting controls annually.
Why

CR 25 50 schedules the limits for ERISA plans insured under an ISO crime form, set to meet the ERISA §412 fidelity-bonding requirement.

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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 long is the FL P&C exam?

Florida Department of Financial Services allows 180 minutes for the Florida Property & Casualty exam, and the passing score is 70%. The state does not publish a scored-question count. Our mock exam runs 100 questions in 120 minutes.

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 1,288 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.