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.
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.
After an insurer denies a property claim, the insured sues for breach of contract AND simultaneously demands appraisal under the policy. Under the modern view reflected in Restatement (Second) Contracts §378, the election-of-remedies doctrine:
§378 permits pursuit of inconsistent remedies until satisfaction; election only required where remedies are truly inconsistent and reliance occurred.
Under Florida's Financial Responsibility Law, which coverages are mandatory for ALL registered private passenger vehicles in Florida?
Florida requires only PIP ($10K) and PDL ($10K); bodily injury liability is not mandatory for most drivers.
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?
The §440.11 intentional tort exception allows civil suit when the employer acts with knowledge that injury is substantially certain to result.
A retail clothing brand publishes an ad campaign that uses a competitor's distinctive trade dress without permission. The competitor sues for trade-dress infringement. Which CGL coverage part responds, assuming no exclusion applies?
Coverage B responds because trade-dress, copyright, or slogan infringement in the insured's advertisement is an enumerated offense.
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?
HO-5 is the only standard form offering open-peril coverage on personal property without a separate floater.
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 lawFlorida 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.