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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Our mock exam

100 questions

what you sit here, not the state's count

Official time limit

150 min

TX exam, verified

Exam content outline

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

Section	Weight	≈ Questions
National-PC-I Property Policies	12%	12
National-PC-II Property Terms & Concepts	9%	9
National-PC-III Property Provisions & Contract Law	8%	8
National-PC-IV Casualty Types & Bonds	13%	13
National-PC-V Casualty Terms & Concepts	9%	9
National-PC-VI Casualty Provisions	10%	10
National-PC-VII Federal Regulation	8%	8
National-PC-VIII Marine	4%	4
National-PC-IX Specialty Lines	4%	4
TX-PC-SS-I TX Common to P&C	14%	14
TX-PC-SS-II TX P&C Specific	9%	9

Sample questions

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

Q1 • Property Policiesmedium

A condominium unit-owner attaches ISO HO 17 32 to her HO-6 policy. A guest carelessly drops a barbell, gouging the engineered hardwood floor that was installed by the unit-owner. The damage is from a peril not specifically excluded. How does HO 17 32 respond compared to the unendorsed HO-6 Coverage A grant?

AIt does not change Coverage A; the unendorsed HO-6 already pays on an open-perils basis for all unit-owner building fixtures and improvements, so the endorsement adds nothing and the accidental impact damage to the hardwood floor would be covered with or without it because the base form already responds to any direct physical loss not specifically excluded

BIt converts Coverage C personal property to open-perils form but leaves the Coverage A unit-owner building items on the unendorsed named-perils basis

CIt pays only after the condominium association's master property policy first formally denies the claim for the damaged interior improvement

DHO 17 32 broadens Coverage A from named-perils to special open-perils form for the unit-owner's building property, so accidental impact damage to the hardwood is covered unless an exclusion applies; the unendorsed HO-6 Coverage A is named-perils only and would not respond to accidental impact

Why

HO 17 32 upgrades HO-6 Coverage A from named-perils to special (open-perils), so accidental impact damage to unit-owner improvements is covered unless excluded.

Q2 • Casualty Provisionsmedium

A trucking company's Business Auto Policy carries Symbol 1 (Any Auto) for Liability. The shipper customer wants to be added as an insured for liability arising out of the trucker's use of the shipper's trailer. Which ISO CA endorsement most directly addresses adding a designated person/organization as an insured on the BAP?

ACA 99 10 Drive Other Car Coverage, which extends liability, medical payments, and physical damage to an executive and family members while using a private passenger auto not owned by the named insured, applied here as the means to add the shipper as an insured for the trucker's use of the shipper's trailer arising out of the business auto operations.

BCA 99 03 Auto Medical Payments Coverage, which pays reasonable and necessary medical expenses for the insured and occupants injured in an accident involving a covered auto, applied here as the means to add the shipper as an insured for the trucker's use of the shipper's trailer arising out of the business auto operations.

CAn ISO CA endorsement designating an additional named insured (e.g., CA 20 48 or CA 99 16 Hired Auto AI) extending insured status to the specified person or organization for liability arising out of the named insured's use of covered autos as described in the endorsement.

DCA 04 44 Waiver of Transfer of Rights of Recovery Against Others to Us, which waives the insurer's subrogation rights against a scheduled person or organization, applied here as the means to add the shipper as an insured for liability arising out of the trucker's use of the shipper's trailer in business auto operations.

Why

BAP additional insured endorsements (CA 20 / CA 99 series) extend insured status to scheduled parties for liability arising out of the named insured's use of covered autos.

Q3 • Property Policieseasy

In NFIP terminology, a 'Pre-FIRM' structure is one that was:

AConstructed at any point before the National Flood Insurance Act of 1968 was first enacted by Congress, irrespective of the community's later map adoption date

BConstructed after the community's most recent FIRM revision but before the nationwide Risk Rating 2.0 rating methodology was fully deployed and implemented

CLocated in any designated Special Flood Hazard Area at the time of binding, regardless of the structure's actual construction date

DConstructed before the community's initial Flood Insurance Rate Map (FIRM) was issued, or before December 31, 1974, whichever is later

Why

Pre-FIRM = built before initial community FIRM, or 12/31/1974, whichever is later.

Q4 • Casualty Provisionseasy

A veterinary clinic attaches ISO CG 21 16 (Exclusion — Designated Professional Services) with 'veterinary medicine' listed in the Schedule. A client sues alleging a pet died from misdiagnosis. How does CG 21 16 respond to the claim?

AIt excludes injury arising out of the professional services listed in the Schedule, so the misdiagnosis claim is excluded and the clinic needs a separate professional policy.

BIt provides affirmative professional liability coverage for the scheduled veterinary services, functioning as a fully built-in malpractice grant embedded within the commercial general liability policy itself.

CIt excludes only services performed outside the clinic's licensed scope of practice, so any treatment rendered within the veterinarian's license remains covered under the CGL.

DIt applies only to property damage claims arising from the scheduled services and leaves bodily injury claims, including animal-death claims, fully covered under the CGL.

Why

CG 21 16 excludes BI/PD/P&AI arising from rendering or failing to render the professional services scheduled — here veterinary medicine — so the misdiagnosis claim is excluded.

Q5 • Property Policiesmedium

A Texas franchised auto dealership needs coverage for vehicles in inventory, customer cars left for service, and liability arising from dealership operations. The MOST appropriate ISO form is:

APersonal Auto Policy (PAP) with extended-driver endorsement

BBusiness Auto Coverage Form (BACF) without modification

CAuto Dealers Coverage Form (CA 00 25)

DCommercial Property CP 00 10 only, with no liability section

Why

Auto Dealers Coverage Form CA 00 25 bundles dealer liability, garagekeepers, and physical damage for franchised dealers.

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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 long is the TX P&C exam?

Texas Department of Insurance allows 150 minutes for the Texas Property & Casualty exam. The state does not publish a scored-question count. Our mock exam runs 100 questions in 120 minutes.

What's the passing score for TX P&C?

undefined% 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 1,237 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.