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