EstatePass
TX • P&C

Texas 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.

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Questions
100
scored items
Time limit
120 min
TDI format
Passing score
70%
raw or scaled
Pre-licensing
40h
required in TX

Exam content outline

From the official TDI P&C content outline. Mock exams sample at these weights.

SectionWeight≈ Questions
National-PC-I Property Policies12%12
National-PC-II Property Terms & Concepts9%9
National-PC-III Property Provisions & Contract Law8%8
National-PC-IV Casualty Types & Bonds13%13
National-PC-V Casualty Terms & Concepts9%9
National-PC-VI Casualty Provisions10%10
National-PC-VII Federal Regulation8%8
National-PC-VIII Marine4%4
National-PC-IX Specialty Lines4%4
TX-PC-SS-I TX Common to P&C14%14
TX-PC-SS-II TX P&C Specific9%9

Sample questions

Items from our P&C bank, aligned to the TX TDI outline — see the difficulty and explanation depth.

Q1 • Casualty Types & Bondsmedium

A Texas employer sends a worker to perform a six-month project in Colorado. The WC policy Information Page lists Texas in Item 3.A. How can the employer ensure the Colorado WC benefits apply if the worker is injured there?

APurchase a separate Colorado WC policy; the TX policy never extends beyond state lines
BAdd Colorado to Item 3.A on the Information Page to make it a scheduled state
CAdd Colorado to Item 3.C — Other States Insurance — so Colorado WC law applies if a claim arises there
DThe TX policy automatically covers all 50 states under Coverage A without any endorsement
Why

Item 3.C (Other States) extends WC coverage when workers begin operations in states not listed in 3.A.

Q2 • Specialty Linesmedium

A multinational employer's Kidnap, Ransom & Extortion (K&R) policy includes both 'Ransom Monies' coverage and a 'Threat Insurance' insuring agreement. A foreign actor sends a credible extortion email threatening employees but no actual ransom is paid. How do the two insuring agreements interact?

AOnly the Ransom Monies insuring agreement can respond, and it pays solely when a ransom is actually surrendered to the perpetrator after a covered event, so a credible threat producing no ransom payment leaves the entire policy wholly unresponsive to the incident
BRansom Monies reimburses sums actually surrendered; the Threat Insurance / Crisis Response agreement responds to credible threats and funds threat-response services regardless of whether ransom is paid — both may apply to one incident, each to its own limit
CThreat Insurance is a state-mandated coverage variant filed only in certain jurisdictions and is generally unavailable within standard K&R policy forms
DThe two insuring agreements are mutually exclusive by policy condition, so only one of them can be triggered for any single kidnap or extortion incident
Why

Ransom Monies reimburses actual ransom paid; Threat Insurance funds threat response regardless of payment.

Q3 • Property Provisions & Contract Lawmedium

A lender forecloses on a home after the borrower defaults. The homeowner's policy had a standard mortgagee clause. Which statement correctly describes the mortgagee's rights under that clause?

AThe mortgagee's coverage continues even if the insured's coverage is voided by a breach of policy conditions
BForeclosure automatically cancels the mortgagee's coverage because insurable interest transfers to the lender
CThe mortgagee must file a separate claim under its own policy after foreclosure
DThe mortgagee loses coverage once the insured vacates the property for more than 30 days
Why

Standard mortgagee clause gives the lender independent coverage unaffected by the insured borrower's acts.

Q4 • Casualty Types & Bondshard

An auto policy has split limits of 100/300/50. An accident injures three people with BI damages of $150,000, $100,000, and $80,000, and causes $60,000 in property damage. What is the total the insurer pays?

A$280,000 BI + $50,000 PD = $330,000
B$330,000 BI + $60,000 PD = $390,000
C$300,000 BI + $50,000 PD = $350,000
D$150,000 + $100,000 + $80,000 + $60,000 = $390,000
Why

Person 1 capped at $100K; total BI = $280K (under $300K aggregate); PD capped at $50K; total = $330K.

Q5 • Casualty Provisionsmedium

A physician retires and her claims-made medical malpractice policy is not renewed. She does not purchase a supplemental ERP. For how long does the basic (free) extended reporting period typically allow her to report claims arising from prior acts?

ANo additional time — claims-made coverage ends on the cancellation date
B30 days after policy expiration
C60 days after policy expiration
D5 years after policy expiration
Why

The basic (automatic) ERP gives 60 days post-expiration to report claims; supplemental tail coverage extends this further.

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Texas state law module

State-specific laws and regulations make up 10–20% of the TX P&C exam. Our markdown-based state-law module walks through what TDI actually tests.

Read TX P&C state law

Texas P&C Exam FAQ

How many questions are on the TX P&C exam?

The Texas 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 TX P&C?

70% is the passing score in Texas, calculated against the scored question count. TDI reports results immediately at the test center.

How long should I study for the TX 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 Texas P&C exam?

TDI contracts with major proctored-exam vendors. Check the Texas Department of Insurance website for an up-to-date list of test centers in Texas.

Are these practice questions matched to the TX outline?

Yes — we follow the TDI content outline section by section, and our TX P&C bank includes 1,300 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 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.