Property & Casualty insurance

Property and casualty is the second big producer licence after life and health, and it comes in a full and a limited form. The full P&C authority covers property and casualty for both households and businesses — homeowners, auto, commercial property, general liability, workers' compensation as a product. Personal lines is the limited authority for household risks only: home, auto, personal umbrella and similar, with a shorter exam that never reaches commercial coverage. Florida runs its own general lines agent licence with its own exam and qualification bulletin, which is why it has a separate page.

The exams are state-delivered through PSI or Pearson VUE with a state-law section attached to the national material, and most states set a common passing standard across producer lines with occasional exceptions. Pre-licensing education is set per line and per state, and some states waive it for designation holders. Once licensed, non-resident P&C licences follow through NIPR under reciprocity.

The exam content is the same skeleton in every state. Property coverage — dwelling, homeowners, commercial property, inland marine — is tested on perils, valuation and conditions; casualty coverage — auto, general liability, workers' compensation, umbrella — on liability concepts, limits and exclusions; both on the standard policy forms, underwriting and rating basics, and claims handling. The state section adds the state's insurance code, unfair-practices rules, financial-responsibility laws and the department's licensing rules.

How to use this family page: choose full P&C or personal lines, open the exam guide for your state's question split and passing standard, and work the national practice set before the state-law set. Florida candidates should use the Florida page throughout, because the general lines exam does not follow the national outline.