PA • PL

Pennsylvania 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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Questions

scored items

Time limit

90 min

PA Ins. Dept. format

Passing score

70%

raw or scaled

Pre-licensing

20h

required in PA

Exam content outline

From the official PA Ins. Dept. 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 PA PA Ins. Dept. 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 Vehiclesmedium

What is the purpose and effect of a Layup Period (or Layup Warranty) endorsement on a typical ISO Boatowners policy?

AIt provides a premium credit because the vessel is warranted ashore (or in protected moorage) and not navigating during the stated layup dates

BIt extends the policy to permit commercial chartering and hire-or-reward passenger use throughout the winter off-season at absolutely no additional premium charge whatsoever to the named insured

CIt removes the policy deductible entirely for any hull loss occurring during the active navigation season each year

DIt is a mandatory endorsement that adds premium to cover the heightened fire and theft exposure during off-season storage

Why

Layup warrants the boat is ashore/not navigating during stated dates; the insured earns a premium credit for reduced exposure.

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Pennsylvania state law module

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

Read PA PL state law

Pennsylvania PL Exam FAQ

How many questions are on the PA PL exam?

The Pennsylvania 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 PA PL?

70% is the passing score in Pennsylvania, calculated against the scored question count. PA Ins. Dept. reports results immediately at the test center.

How long should I study for the PA 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 Pennsylvania PL exam?

PA Ins. Dept. contracts with major proctored-exam vendors. Check the Pennsylvania Insurance Department website for an up-to-date list of test centers in Pennsylvania.

Are these practice questions matched to the PA outline?

Yes — we follow the PA Ins. Dept. content outline section by section, and our PA PL bank includes 252 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.