Property & Casualty (P&C) Insurance License — Exam Prep & Practice Tests
A property and casualty license — usually written P&C — is the state credential that lets you sell homeowners, auto, commercial property, liability, business owner policies and workers compensation coverage. Like every producer license it is issued by your state insurance department, so the fee, the pre-licensing hours and the state law section of the exam differ from state to state. Property & Casualty and Life & Health are separate licenses; holding one does not let you sell the other.
Sell property, casualty, auto and commercial lines insurance. Covers homeowners, commercial property, liability coverage, business owner policies, and underwriting fundamentals.
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Also searched as
The Property & Casualty license goes by several names — property and casualty license, property & casualty license, property casualty license and P&C license. They all mean the same state credential, and everything on this page applies to all of them.
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Each state writes its own P&C exam. Get prep that matches yours.
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Take a free property & casualty practice exam right now. The same question bank powers the P&C practice test, the full timed mock exam and the diagnostic — so what you practice is what you will sit.
Or browse every P&C practice question with its answer and explanation, sorted by state.
Frequently Asked Questions
How is the P&C exam different from Life & Health?
P&C covers homeowners, auto, commercial property, liability, business owner policies (BOP), and inland marine. L&H covers life products, annuities, and health insurance. Most state insurance commissions treat them as completely separate licenses — and most agents get both eventually.
What sections are on the P&C exam?
General Insurance Concepts, Property Insurance Basics, Dwelling and Homeowners, Commercial Package Policies, Auto Insurance (personal and commercial), Liability Coverage, Business Owner Policies, Workers Compensation, plus federal and state regulations. Section weights vary by state.
How long does it take to study for P&C?
Most students need 50–100 hours over 4–8 weeks. P&C tends to be more technical than L&H (lots of named perils, coverage forms, and policy types) so build in extra time for vocabulary and policy-form memorization.
Can I take L&H and P&C on the same day?
Yes in most states — they’re separate exams with separate scoring, so you’d sit one, take a break, then sit the other. Many candidates split them across two test days to reduce fatigue.
What’s the passing score for P&C?
Most states require 70% raw or a scaled equivalent. The exam is typically 100 scored questions over 2 hours, though specifics vary — your state landing page has the exact composition.