Download the P&C PDF (100 pages, 390 questions, 265 KB)
Questions in front, the full answer key with explanations at the back. These are original practice questions written against the published property and casualty exam content outline; they are not actual exam questions.
Property and casualty is the widest of the three producer lines - homeowners and dwelling forms, personal and commercial auto, the CGL, workers compensation, bonds, flood, inland marine - and the exam rewards candidates who have simply seen more of it. This page gives you a free, printable PDF of 390 original P&C practice questions covering the national outline, each with its answer and an explanation of why the other three options are wrong. It is the bank behind the property and casualty practice tests on this site, formatted for paper. No signup and no email address needed. Last updated September 2026.
What is in the P&C PDF
All 390 national questions, numbered 1 to 390 in the same order the practice tests use, followed by an answer key that gives the correct letter and the explanation for every one. There is no separate paid edition with more items. Because the P&C outline is broad, the bank is split across 36 topic areas, and the number of questions per topic follows how much of the exam each area takes up:
| Topic area | Questions |
|---|---|
| Liability insurance (negligence, defenses, vicarious liability, umbrella) | 38 |
| Commercial insurance (commercial property, business income, coinsurance, packages) | 32 |
| Auto insurance (personal auto policy parts, physical damage, UM/UIM) | 23 |
| Homeowners insurance (HO forms, coverages A-F, conditions) | 17 |
| Policy provisions and conditions (cancellation, other insurance, subrogation, appraisal) | 16 |
| Claims process | 14 |
| Professional liability (E&O, claims-made, retroactive dates) | 13 |
| Flood insurance (NFIP) | 12 |
| Commercial auto, workers compensation, surety and fidelity bonds | 11 each |
| Inland and ocean marine, insurance fundamentals, businessowners policy (BOP), dwelling forms | 10 each |
| Ethics and regulations | 9 |
| P&C basics, property insurance, CGL exclusions, crime coverage, farm and ranch, equipment breakdown, endorsements, mixed scenarios, valuation and coinsurance calculations, general principles and contract law | 8 each |
| Homeowners exclusions, property valuation, liability limits, policy conditions, advanced scenarios | 7 each |
| Commercial general liability, property exclusions, residual and surplus lines markets, emerging and mandated coverages | 6 each |
| Environmental liability | 4 |
The explanations are written to settle the distinction the question is testing, not just to name the right letter. The coinsurance items walk through the formula with the actual numbers; the claims-made items say what a retroactive date and an extended reporting period each do; the bond items separate the two-party fidelity bond from the three-party surety bond. If you only read the key for the questions you missed, you will still learn the rule behind each miss.
What the PDF does not cover
Every state's P&C exam adds a state-law section - licensing, cancellation and nonrenewal notice periods, unfair claims practices, the state's residual auto and FAIR plans, guaranty association rules - and that section is not in this file. It is written by each state's insurance department and it changes when the legislature does, so it is kept on the state pages, where it can be updated one state at a time. The bank currently has P&C state-law questions for 51 states: 30 each for Texas, California and New York, 24 for Michigan and North Carolina, 22 for Florida, 18 for Georgia and Pennsylvania, and 16 for each of the other covered states. Do the state page's mock exam alongside this PDF if your state is on that list; if it is not, the state page still gives you the official candidate handbook link and the verified exam facts.
The file also does not tell you how your state's exam is scored. Question counts, time limits and passing scores differ from state to state - Florida's P&C exam, for instance, runs to 175 questions - and those numbers belong to the handbook and the state page, not to a national question bank.
Three questions from the PDF
Reproduced exactly as they appear in the file and in the practice tests, with the bank id in brackets so you can match them up.
1. A building has a replacement cost of $200,000 and is insured for $120,000 under a policy with an 80 percent coinsurance clause. A covered loss of $40,000 occurs, and the deductible is ignored. How much does the insurer pay? [pc-297]
- A. $40,000
- B. $24,000
- C. $30,000
- D. $32,000
Answer: C. The required amount is 80 percent of $200,000, or $160,000, and the insured carried $120,000, giving a ratio of three quarters that is applied to the loss for a payment of $30,000. Paying the full $40,000 would ignore the coinsurance penalty. The other figures come from misapplying the ratio, such as dividing by the full replacement cost instead of the required amount.
2. A fire damages a building down the street, and the fire department closes the whole block for a week. An undamaged bakery on the block loses a week of sales. Which business income extension may pay for that loss? [pc-085]
- A. Civil authority coverage
- B. Builders risk insurance
- C. Equipment breakdown coverage
- D. Ordinance or law coverage
Answer: A. Civil authority coverage extends business income and extra expense protection when a government order - not damage to the insured's own property - bars access to the premises because of covered physical damage nearby. Coverage typically begins after a short waiting period following the order and lasts for a limited number of weeks stated in the form.
3. An employer wants protection against dishonest acts by its own cashiers, while a licensing board wants a guarantee that a contractor will comply with its obligations to the public. Which statement correctly matches each need to the right instrument? [pc-390]
- A. Both needs call for surety bonds, since bonds always involve dishonesty
- B. The employer needs a surety bond and the board requires a fidelity bond
- C. The employer needs a fidelity bond covering employee dishonesty, while the board requires a surety bond guaranteeing the contractor's obligation to a third party
- D. Both needs are met by an errors and omissions policy
Answer: C. A fidelity bond protects an employer against loss from an employee's dishonest acts, such as theft of cash or securities, so it fits the cashier exposure. A surety bond is a three-party guarantee that a principal will fulfill an obligation owed to an obligee, which fits the licensing requirement. Errors and omissions covers negligent professional mistakes, not dishonesty or guaranteed performance. See the NAIC glossary definition of fidelity coverage.
Download all 390 P&C questions (PDF)
A study plan sized to this file
390 questions divides evenly into 13 sets of 30. Because the bank is ordered by topic rather than shuffled, working it front to back follows the outline; this plan groups the sets the way the exam groups its weight:
- Sets 1-3: basics, property insurance, homeowners and dwelling forms, and the valuation items (ACV, replacement cost, coinsurance). Do the coinsurance calculations on paper with the formula written out - the exam asks them as arithmetic, and the PDF shows the working.
- Sets 4-6: liability and negligence, auto (personal, then commercial) and the liability-limits questions. Cover the answer key and commit to a letter before you check; the auto part-by-part questions are where recognition memory fails under time pressure.
- Sets 7-9: commercial property and business income, the CGL and its exclusions, the BOP, and workers compensation. These carry the scenario-style questions - a closed block, a subcontractor's injury, a claims-made policy that lapses - and they are the ones that distinguish a pass from a near miss.
- Sets 10-13: bonds, crime, inland marine, flood, farm, equipment breakdown, professional and environmental liability, ethics, and the mixed and advanced scenario sets. Then go back over everything you marked wrong.
- Move to the screen: take a timed P&C mock exam for your state. The online test uses your state's real question count, time limit and passing score, and it shuffles - two things paper cannot do.
Read the explanation even when your letter was right. On the P&C exam the wrong options are usually real coverages applied to the wrong situation, and the explanation tells you which one each distractor was.
Practice these questions online
- Property and casualty practice tests - the same 390 questions in timed mock, instant-feedback and review modes, plus the state-law questions for 51 states and a page for every jurisdiction.
- State pages that add a P&C state-law section, each with the verified exam facts and a link to the candidate handbook: Texas (30 state-law questions), Michigan (24), Minnesota (16), North Carolina (24), Florida (22), California (30).
- Complete property and casualty exam study guide - the topic-by-topic walkthrough to read alongside the question sets.
Other free PDFs
- Free insurance exam questions and answers PDF - the hub page: all three line files, the study-guide section and the sharing licence.
- Free life insurance exam questions and answers PDF - 306 life questions.
- Free health insurance exam questions and answers PDF - 300 accident and health questions.
About this material
Every question, answer and explanation in the file is original study material written by this site's team against the published property and casualty exam content outlines, and reviewed by a licensed P&C professional (see the byline below). None of it is an actual exam question, nothing has been copied from a test, and no practice bank can promise a passing score. The counts on this page are read from the live question bank when the site is built, and the PDF is regenerated from that same bank whenever it changes. This site is not affiliated with any state insurance department or exam vendor; check current requirements, fees and exam details with your state insurance department and the official candidate handbook.
Frequently asked questions
Are these the actual property and casualty exam questions?
No. All 390 questions are original practice questions written against the published P&C exam content outline, with explanations written by this site's team. Actual exam questions are confidential, and any site that claims to sell or give away "real" ones is not being honest. What transfers to the exam is practice with the same topics, the same question styles and the same distractor patterns.
Does the PDF cover both property and casualty topics?
Yes. The property side includes homeowners and dwelling forms, commercial property, business income, inland marine, flood, farm and equipment breakdown; the casualty side includes negligence and liability, personal and commercial auto, the CGL and its exclusions, workers compensation, professional and environmental liability, crime and bonds. The topic table on this page lists the count for each.
Does it include my state's P&C insurance law questions?
No. The file holds the national content only. State-law questions are kept on the state pages so each state can be updated independently - 51 states currently have a P&C state-law set (Texas 30, Michigan 24, North Carolina 24, Florida 22, Minnesota 16, among others). Your state's page is also where the official candidate handbook is linked.
How current is the P&C PDF?
It is rebuilt from the live question bank whenever the bank changes, most recently in September 2026, and the question count shown here is read from the bank at build time rather than typed in. National P&C content changes slowly; the parts that change often - state notice periods, state residual-market rules - are deliberately left to the state pages.
Can I print it, and how big is it?
Yes. It is a 100-page text PDF of about 265 KB, laid out for US Letter, with all the questions first and the answer key at the back so you can print the questions on their own. The text is selectable and searchable, so it also works on a phone or tablet.
Do I need to register or give an email address to download it?
No. The download button opens the file directly. There is no registration, no email wall and no charge, and you may share the file as long as you do not modify it.