North Carolina 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.
North Carolina-specific content is rolling in
Our national NAIC-aligned P&C 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.
Exam content outline
From the official NC DOI P&C content outline. Mock exams sample at these weights.
| Section | Weight | ≈ Questions |
|---|---|---|
| National-PC-I Property Policies | 16% | 16 |
| National-PC-II Property Terms & Concepts | 12% | 12 |
| National-PC-III Property Provisions & Contract Law | 10% | 10 |
| National-PC-IV Casualty Types & Bonds | 17% | 17 |
| National-PC-V Casualty Terms & Concepts | 12% | 12 |
| National-PC-VI Casualty Provisions | 13% | 13 |
| National-PC-VII Federal Regulation | 10% | 10 |
| National-PC-VIII Marine | 5% | 5 |
| National-PC-IX Specialty Lines | 5% | 5 |
Sample questions
Items from our P&C bank, aligned to the NC NC DOI 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.
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.
An insurer sends a check marked 'FULL AND FINAL SETTLEMENT' to an insured who disputes the loss amount. The insured cashes the check while writing 'under protest, accepting partial payment only.' Under Restatement (Second) Contracts §281 (accord and satisfaction) and §1-308 UCC principles, the result is most likely:
Without §3-311 UCC's conspicuous-statement requirement and mutual assent, the insured's reservation typically preserves the dispute.
Under the CGL Coverage B Personal & Advertising Injury defined term 'advertisement,' which of the following communications most clearly qualifies?
An 'advertisement' is a public or market-segmented notice about goods/services to attract customers, including Internet content.
Under Restatement (Second) Contracts §238, when performances under an insurance contract are to be exchanged simultaneously (e.g., payment of a renewal premium in exchange for continued coverage), each party's duty to perform is:
§238 requires each party in a simultaneous exchange to tender — manifest present ability and willingness — before demanding the other's performance.
North Carolina state law module
State-specific laws and regulations make up 10–20% of the NC P&C exam. Our markdown-based state-law module walks through what NC DOI actually tests.
Read NC P&C state lawNorth Carolina P&C Exam FAQ
How many questions are on the NC P&C exam?
The North Carolina 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 NC P&C?
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 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 North Carolina P&C 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 P&C 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 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.