NY • PL

New York Personal Lines Insurance Exam — Practice Test & Study Guide

Sell personal auto, homeowners, dwelling, and inland marine policies to individuals. A focused subset of P&C with shorter pre-licensing requirements in most states.

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Our mock exam

75 questions

what you sit here, not the state's count

Official time limit

120 min

NY exam, verified

Passing score

70%

set by NY DFS

Pre-licensing

40h

required in NY

Exam content outline

From the official NY DFS PL content outline. Mock exams sample at these weights.

Section	Weight	≈ Questions
National-PL-I Homeowners Policies	18%	14
National-PL-II Dwelling Policies	10%	8
National-PL-III Personal Auto Policy	22%	17
National-PL-IV Personal Umbrella Policy	8%	6
National-PL-V Personal Inland Marine	8%	6
National-PL-VI Recreational Vehicles	6%	5
National-PL-VII Federal Programs	6%	5
National-PL-VIII Personal Risk Concepts	10%	8
National-PL-IX Personal Lines Provisions	12%	9

Sample questions

Items from our PL bank, aligned to the NY NY DFS outline — see the difficulty and explanation depth.

Q1 • Personal Lines Provisionseasy

After a partial Section I loss is paid under an ISO HO policy, the remaining policy limit is generally:

AReduced permanently by the amount paid, leaving only the eroded balance available for the remainder of the policy period

BRestored automatically because Section I limits are non-reducing per occurrence in HO forms

CReinstated to the full amount only after the insured pays the carrier a 25 percent reinstatement premium for the depleted limit

DCanceled entirely after the first paid claim, requiring the insured to apply for an entirely new policy to restore coverage

Why

ISO HO Section I limits are per-occurrence, not aggregate, so the full limit remains available for each new loss during the policy period.

Q2 • Personal Risk Conceptsmedium

Under Restatement (Third) of the Law of Liability Insurance §4, when may implied terms be used to supplement an insurance policy?

AWhen necessary to give effect to the reasonable expectations of the parties and consistent with the purposes of the contract

BOnly when both contracting parties subsequently agree in a separately signed writing to formally add the supplemental implied term to the existing policy contract document

CWhenever the insurer's claim representative deems an additional term appropriate to the handling of a particular claim

DNever, because only the express written terms of the policy are enforceable and no terms may be implied at all

Why

§4 permits implied terms to effectuate reasonable expectations and contract purpose.

Q3 • Personal Risk Conceptshard

Under Restatement (Third) of the Law of Liability Insurance §5, when may an insurance policy be reformed on the basis of mutual mistake?

AWhen both parties were mistaken about a basic assumption on which the contract was made and the mistake had a material effect on the agreed exchange

BWhenever the insured later realizes that the policy as written does not happen to cover a particular loss that the insured had simply hoped or assumed it would recover

COnly when the alleged mistake is reduced to a signed writing and notarized within thirty days of policy inception

DNever, because issued insurance policies are integrated contracts that cannot be reformed under any circumstances whatsoever

Why

§5 allows reformation for mutual mistake about a basic assumption with material effect.

Q4 • Personal Risk Conceptseasy

Which statement BEST describes Actual Cash Value (ACV) under the 'broad evidence rule' applied by many courts?

AACV may be determined from all relevant evidence of value, including replacement cost less depreciation, market value, and the property's use and condition

BACV is exclusively the property's fair market value at the time of loss, ignoring replacement cost, depreciation, age, condition, and every other possible indicator of true worth

CACV is exclusively the full cost to replace the property with new materials, applying no deduction whatsoever for depreciation, wear and tear, age, or functional obsolescence

DACV is exclusively the property's original purchase price as documented on the bill of sale, regardless of subsequent appreciation, depreciation, or shifts in the market

Why

The broad evidence rule allows all relevant evidence of value, not just one formula.

Q5 • Recreational Vehicleseasy

Under HO 00 03 Section II, what watercraft horsepower or propulsion threshold triggers the watercraft liability exclusion absent the HO 24 75 endorsement?

AAny watercraft of any propulsion type or horsepower triggers the exclusion, so every owned, rented, or borrowed boat is entirely barred from Section II liability coverage under the form

BOnly watercraft equipped with motors exceeding 100 total horsepower trigger the exclusion; smaller craft retain full Section II liability coverage

COnly sailing vessels measuring over 40 feet in length trigger the exclusion; all powered and jet-pump craft retain Section II liability coverage

DWatercraft propelled by a jet pump, OR with an inboard/inboard-outdrive motor over 50 horsepower, OR sailing vessels over 26 feet, OR outboard motors over 25 HP

Why

HO Section II excludes jet-pump craft, inboard/outdrive over 50 HP, outboard over 25 HP, and sailboats 26 ft or longer.

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New York state law module

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

Read NY PL state law

New York PL Exam FAQ

How long is the NY PL exam?

New York Department of Financial Services allows 120 minutes for the New York Personal Lines exam, and the passing score is 70%. The state does not publish a scored-question count. Our mock exam runs 75 questions in 90 minutes.

What's the passing score for NY PL?

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

How long should I study for the NY PL exam?

Most PL 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 New York PL exam?

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

Are these practice questions matched to the NY outline?

Yes — we follow the NY DFS content outline section by section, and our NY PL bank includes 242 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 PL?

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.