Are these insurance exam practice tests really free?

Yes! Our practice tests are 100% free with no registration required. You can take unlimited practice tests for Life, Health, and Property & Casualty insurance exams across all 50 US states and DC.

How many questions are included in the practice tests?

We offer over 1300 practice questions - 401 for Life, 400 for Health, and 534 for Property & Casualty - covering the major topics tested on insurance licensing exams, each with a detailed explanation.

Do I need to create an account to use the practice tests?

No account or registration is required. Simply choose your license type and state, then start practicing immediately. Your progress is saved locally in your browser.

Are the practice questions similar to the actual insurance exam?

Our questions are designed to mirror the format and difficulty of actual state insurance licensing exams. They cover the same topics and concepts tested on real exams.

Which states are covered by these practice tests?

We provide practice tests for all 50 US states plus the District of Columbia. Each state page includes exam information and links to that state's official insurance department.

Is there a free insurance license practice test for my state?

Yes. Every state page offers a free insurance license practice test in three modes - a timed mock exam that mirrors your state's real question count and time limit, an instant-feedback quiz, and review mode - for Life, Health, and Property & Casualty. No account is needed.

Do you have a life and health insurance practice exam?

Yes. The life and health exam page covers the states that test both lines in one sitting (Texas, Ohio, Georgia, Florida and New York) with verified exam facts, and links to both practice banks so you can prepare for the combined exam.

What is property insurance?

Insurance that protects physical property against damage or loss

Insurance that covers the insured's legal liability for damage to others' property

Insurance that pays a fixed amount based on the market value of real estate

Insurance that indemnifies lenders when a borrower defaults on a mortgage loan

What is casualty insurance?

Insurance covering legal liability for injuries or damage caused to others

Insurance covering damage to the insured's own buildings and personal property

Insurance covering financial loss from the death or disability of a key employee

Insurance covering loss of business income when operations are suspended by a fire

What is 'actual cash value' (ACV)?

Replacement cost minus depreciation

The full cost to replace an item new

What is 'replacement cost' coverage?

Coverage that pays to replace damaged property with new items of like kind and quality

Coverage that pays the current market value of damaged property less depreciation

Coverage that pays the original purchase price of damaged property regardless of age

Coverage that pays an agreed amount fixed at policy issue regardless of actual value

What is a 'peril' in insurance?

A specific cause of loss that may trigger a claim

A condition that increases the chance of a loss occurring

The uncertainty that a financial loss will occur

The financial harm that results from a covered event

What is a 'named perils' policy?

A policy that covers only specifically listed perils

A policy that covers every peril except those listed

A policy that covers listed perils and any similar ones

A policy that covers only items listed on a schedule

What is an 'open perils' (all-risk) policy?

A policy covering all causes of loss except those specifically excluded

A policy covering the causes of loss that are specifically listed in the form

A policy covering every cause of loss with no exclusions of any kind

A policy covering all causes of loss up to an unlimited amount with no deductible

What is 'indemnification' in insurance?

Restoring the insured to their pre-loss financial condition

Paying the insured the full policy limit after any covered loss

Recovering the claim payment from the party who caused the loss

Placing the insured in a better financial position than before

What is 'coinsurance' in property insurance?

A requirement to insure property to a minimum percentage of its value

Sharing coverage with another company

What happens if a property owner fails to meet the coinsurance requirement?

The owner becomes a coinsurer and may not receive full claim payment

The insurer may void the policy and return all premiums paid

The claim is paid in full but the premium increases at renewal

The insurer pays the full loss, then bills the owner the shortfall

What is an 'endorsement' or 'rider' in property insurance?

A document that modifies or adds to the original policy

A document that summarizes the coverage before the policy is issued

A document that confirms the insurer has received a claim

A document that transfers the policy to a new owner

What is a 'floater' policy?

Coverage for property that moves from location to location

100% Free - No Registration Required

Alabama Property & Casualty Insurance Practice Exam Free - 2026

From Birmingham to Mobile, every new Alabama producer starts the same way: passing the state licensing exam regulated by the Alabama Department of Insurance. Build your confidence here with unlimited free practice before exam day. Access 390+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Alabama Property & Casualty exam: 150 questions in 180 minutes; passing score 70%; exam fee $75; administered by University of Alabama; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

390+ Questions

Unlimited Practice

Alabama Specific

How the Alabama Property & Casualty exam compares

The Alabama Property & Casualty exam is 150 questions, 180 minutes, a 70% cut score - combined Property & Casualty exam. The examination fee is $75.

Alabama is one of the very few states that does not use a national testing vendor: its insurance exams are administered by the University of Alabama.

Alabama requires no prelicensing course, so you can sit as soon as you are ready. That puts the whole burden of preparation on self-study and practice testing.

Property & Casualty questions reviewed by Rebecca Lawson and Robert Hayes — Property & Casualty, 11 years' experience, Phoenix, AZ; Property & Casualty and Personal Lines, 13 years' experience, Denver, CO. Last updated July 29, 2026

Figures above are taken from University of Alabama Insurance Testing (official state exam vendor page) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

Choose Your Practice Mode

Mock Exam

Simulate the real exam experience with timed questions

Timed test
50-150 questions
No answer hints

Quiz Mode

Practice with immediate feedback on each question

Instant feedback
See explanations
Track progress

Review Mode

Study all questions with answers visible

All answers shown
Full explanations
Study at your pace

Make Your Own Test

Pick your topics and question count to drill exactly what you need

Focus on just your weakest topics
5-150 questions, timed or untimed
Keeps your Alabama selection

Alabama Property & Casualty Exam Info

Vendor: University of Alabama (state-administered)
Questions: 150 questions combined P&C (separate Property 100 q / Casualty 125 q exams also offered at $50 each)
Time limit: 180 minutes
Passing: 105 correct of 150 (70%)
Exam fee: $75
Prelicensing: None - 'As of January 1, 2024, the state of Alabama is no longer requiring a prelicensing certificate.'

Verified July 2026 from the University of Alabama Insurance Testing (official state exam vendor page). Always confirm with the current official candidate handbook.

Alabama Department of Insurance

More Alabama Tests

Study Tip

Don't just aim to pass a practice test once - retake it until you score comfortably above your state's passing mark two or three times in a row. Read the explanation after every question, even the ones you get right, to lock in the rule before exam day.

Alabama Property & Casualty Exam Topics

Advanced Scenarios

Auto Insurance

Businessowners Policy (BOP)

CGL Exclusions

Claims Process

Commercial Auto

Commercial General Liability

Commercial Insurance

Crime Coverage

Dwelling Policy (DP Forms)

Emerging & Mandated Coverages

Endorsements

Environmental Liability

Equipment Breakdown

Ethics & Regulations

Farm & Ranch Coverage

Flood Insurance (NFIP)

General Principles & Contract Law

Homeowners Exclusions

Homeowners Insurance

Inland & Ocean Marine

Insurance Fundamentals

Liability Insurance

Liability Limits

Mixed Scenarios

P&C Insurance Basics

Policy Conditions

Policy Provisions & Conditions

Professional Liability

Property Exclusions

Property Insurance

Property Valuation

Residual & Surplus Lines Markets

Surety & Fidelity Bonds

Valuation, Coinsurance & Limits

Workers Compensation

State Insurance Law

Free Alabama Property & Casualty Practice Questions with Answers

12 sample questions from the 390-question Property & Casualty bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.

Want to study offline? Download the free Property & Casualty questions & answers PDF.

Frequently Asked Questions

Other Insurance Exams in Alabama

Prepare for multiple insurance licenses in Alabama

Life Insurance

Alabama Exam

Health Insurance

Alabama Exam

Property & Casualty Exams in Nearby States

Planning to get licensed in multiple states? Practice for neighboring state exams too.

Official Alabama Insurance Resources

Important external links for Alabama insurance licensing information

Alabama Department of Insurance

Official state regulator for insurance licensing, requirements, and exam information.

NAIC - National Association of Insurance Commissioners

The standard-setting and regulatory support organization for state insurance regulators.

Prometric Testing Services

Official testing provider for insurance licensing exams in many states.

PSI Services

Insurance licensing exam administration for select states.

Ready to Start Practicing?

Choose a practice mode above and begin your free Alabama Property & Casualty exam preparation today.

Learn more about exam preparation:

How to Pass Your Insurance Exam Free Q&A PDFs All Articles

Alabama Property & Casualty Insurance Practice Exam Free - 2026

How the Alabama Property & Casualty exam compares

Choose Your Practice Mode

Alabama Property & Casualty Exam Topics

Free Alabama Property & Casualty Practice Questions with Answers

Question 1: What is property insurance?

Question 2: What is casualty insurance?

Question 3: What is 'actual cash value' (ACV)?

Question 4: What is 'replacement cost' coverage?

Question 5: What is a 'peril' in insurance?

Question 6: What is a 'named perils' policy?

Question 7: What is an 'open perils' (all-risk) policy?

Question 8: What is 'indemnification' in insurance?

Question 9: What is 'coinsurance' in property insurance?

Question 10: What happens if a property owner fails to meet the coinsurance requirement?

Question 11: What is an 'endorsement' or 'rider' in property insurance?

Question 12: What is a 'floater' policy?

Frequently Asked Questions

How many questions are on the Alabama Property & Casualty exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the Alabama insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in Alabama

Property & Casualty Exams in Nearby States

Official Alabama Insurance Resources

Ready to Start Practicing?

Property & Casualty practice tests by state