EstatePass
NC • PL

North Carolina 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.

North Carolina-specific content is rolling in

Our national NAIC-aligned PL bank works today — it covers most of the NC exam's general-knowledge sections. NC DOI regulations and North Carolina-specific statutes are in active development. Start practicing now to build a baseline; check back as we expand the NC layer.

Try 20 Free QuestionsTake the Diagnostic
Questions
75
scored items
Time limit
90 min
NC DOI format
Passing score
70%
raw or scaled
Pre-licensing
20h
required in NC

Exam content outline

From the official NC DOI PL content outline. Mock exams sample at these weights.

SectionWeight≈ Questions
National-PL-I Homeowners Policies18%14
National-PL-II Dwelling Policies10%8
National-PL-III Personal Auto Policy22%17
National-PL-IV Personal Umbrella Policy8%6
National-PL-V Personal Inland Marine8%6
National-PL-VI Recreational Vehicles6%5
National-PL-VII Federal Programs6%5
National-PL-VIII Personal Risk Concepts10%8
National-PL-IX Personal Lines Provisions12%9

Sample questions

Items from our PL bank, aligned to the NC NC DOI 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 for the rest of the policy period
BRestored automatically because Section I limits are non-reducing per occurrence in HO forms
CReinstated only after the insured pays a 25 percent reinstatement premium
DCanceled entirely after the first claim
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 parties agree in writing to add the term
CWhenever the insurer's claim representative deems it appropriate
DNever — only express terms are enforceable
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 the policy does not cover a desired loss
COnly when the mistake is reduced to writing and notarized within 30 days
DNever — insurance policies cannot be reformed under any circumstances
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 by considering 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 market value at the time of loss
CACV is exclusively replacement cost with no deduction for depreciation
DACV is exclusively the property's original purchase price
Why

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

Q5 • Personal Umbrella Policymedium

Under an ISO personal umbrella, how does excess Personal Watercraft liability typically attach for an owned 30-foot inboard cruiser, given that a standard HO policy excludes most larger watercraft liability?

AThe umbrella drops down to first-dollar for any watercraft regardless of homeowners coverage
BThe insured must schedule the watercraft and maintain a separate underlying watercraft liability policy at the umbrella's required limit before excess applies
CExcess watercraft liability is automatic on every ISO umbrella with no scheduling required
DThe watercraft is covered only if the umbrella is endorsed to make it primary
Why

Larger watercraft fall outside HO liability, so the umbrella requires a separately scheduled underlying watercraft policy at the carrier's required limit before excess attaches.

Try 20 More Free Questions

North Carolina state law module

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

Read NC PL state law

North Carolina PL Exam FAQ

How many questions are on the NC PL exam?

The North Carolina Personal Lines licensing exam has 75 scored questions plus a few unscored pretest items. You have 90 minutes to complete it.

What's the passing score for NC PL?

70% is the passing score in North Carolina, calculated against the scored question count. NC DOI reports results immediately at the test center.

How long should I study for the NC 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 North Carolina PL exam?

NC DOI contracts with major proctored-exam vendors. Check the North Carolina Department of Insurance website for an up-to-date list of test centers in North Carolina.

Are these practice questions matched to the NC outline?

Our national NAIC-aligned bank serves the PL general-knowledge sections (~60–80% of every state's exam). NC-specific regulations, NC DOI statutes, and state-law modules are in active content development — practice now to build a baseline, then return as NC-specific items roll in.

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.