Last reviewed: July 20, 2026

Arizona Property & Casualty Insurance Practice Exam Free - 2026

Use this free Arizona property and casualty insurance practice exam page to review licensing concepts before exam day. The page includes crawlable Arizona regulator and exam-source context, while the interactive practice test loads on the same URL.

Arizona property and casualty exam quick facts

State: Arizona
License category: Property & Casualty Insurance
Regulator: Arizona Department of Insurance and Financial Institutions
Exam vendor/source note: Arizona DIFI identifies PSI Services LLC as the official vendor for administering pre-licensing examinations and continuing education for insurance professionals.
Core practice topics: property insurance, casualty insurance, liability, auto, homeowners, commercial coverage, claims basics, ethics, and state-specific insurance rules.
Practice resource type: Independent free study aid with instant practice questions and explanations.

Arizona P&C exam facts (verified July 2026)

Exam structure	Combined Property & Casualty exam (Series 13-34), with separate Property (13-42) and Casualty (13-43) options
Exam vendor	PSI Services (for Arizona DIFI) - Arizona switched from Prometric to PSI; older Prometric bulletins are obsolete
Number of questions	150 questions on the combined exam (single-line exams: 100 each); unscored experimental items may be added
Time limit	150 minutes combined (120 minutes for a single-line exam)
Passing score	70% correct
Exam fee	$59 combined ($50 Property-only, $42 Casualty-only)
Prelicensing education	None - Arizona does not require prelicensing education (study courses are optional)

Source: Arizona DIFI / PSI Candidate Information Bulletin and the state department page. Verified 2026-07-20. Exam details change - always confirm against the current official candidate handbook before scheduling.

Official Arizona sources to verify

Use these official or exam-vendor resources to confirm the current candidate handbook, scheduling process, fees, identification rules, retake rules, prelicensing rules, fingerprint/background rules where applicable, and license-specific requirements.

State-specific preparation notes

Arizona P&C candidates should confirm the current PSI candidate bulletin and DIFI licensing steps before registering.
Review Arizona-specific insurance law, producer duties, and state regulations in addition to national P&C coverage topics.
Use practice explanations to identify whether errors are from coverage concepts, terminology, or Arizona-specific rules.

Suggested study flow

Open the official candidate handbook or content outline for Arizona.
Take a practice set on this page without looking up answers.
Review every missed explanation and group weak areas by topic.
Return to the official outline and study state-specific sections separately from national insurance concepts.
Before exam day, verify scheduling, identification, testing environment, and retake rules through official sources.

Independent study disclaimer

Insurance Exam Practice is an independent educational resource. It is not affiliated with Arizona Department of Insurance and Financial Institutions, PSI, NIPR, NAIC, or any other exam administrator unless specifically stated. Practice questions are for study support only and do not guarantee exam results, licensing eligibility, or licensing approval.

Free Arizona Property & Casualty practice questions with answers

These free Arizona property and casualty exam questions come with complete answers and explanations - the same material the interactive mock exam draws from.

Question 1: What is a 'no-fault' auto insurance state?

A. A state without auto insurance requirements
B. A state where no one is ever at fault
C. A state where the government pays claims
D. A state where each driver's insurance pays their own damages regardless of fault

Correct answer: D. A state where each driver's insurance pays their own damages regardless of fault

Explanation: In no-fault states, each driver's own insurance pays for their medical expenses and certain other losses regardless of who caused the accident. This limits lawsuits and speeds up payments.

Question 2: What are the main coverages in a homeowners policy?

A. Only dwelling coverage
B. Property only
C. Dwelling, other structures, personal property, loss of use, liability, and medical payments
D. Just liability and medical

Correct answer: C. Dwelling, other structures, personal property, loss of use, liability, and medical payments

Explanation: A standard homeowners policy includes: Coverage A (dwelling), Coverage B (other structures), Coverage C (personal property), Coverage D (loss of use), Coverage E (personal liability), and Coverage F (medical payments).

Question 3: What does 'dwelling coverage' (Coverage A) protect?

A. Your personal belongings inside
B. Liability from guests
C. Detached garages only
D. The structure of your home and attached structures

Correct answer: D. The structure of your home and attached structures

Explanation: Dwelling coverage (Coverage A) protects the physical structure of your home and any structures attached to it, such as an attached garage or deck, against covered perils.

Question 4: What does 'other structures' coverage (Coverage B) protect?

A. Detached structures on your property like fences, sheds, or detached garages
B. Neighbors' property
C. Other homes you own
D. Commercial buildings

Correct answer: A. Detached structures on your property like fences, sheds, or detached garages

Explanation: Other structures coverage (Coverage B) protects structures on your property that are not attached to the dwelling, such as detached garages, fences, storage sheds, and pools.

Question 5: What does 'personal property' coverage (Coverage C) protect?

A. Your belongings both at home and while traveling
B. Only items inside the home
C. Vehicles in the garage
D. Business equipment

Correct answer: A. Your belongings both at home and while traveling

Explanation: Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics, whether at home or temporarily away from home (like while traveling).

Question 6: What is 'loss of use' coverage (Coverage D)?

A. Coverage for additional living expenses if your home is uninhabitable
B. Coverage for loss of income
C. Coverage for lost keys
D. Coverage for losing the policy

Correct answer: A. Coverage for additional living expenses if your home is uninhabitable

Explanation: Loss of use coverage (Coverage D) pays for additional living expenses like hotel stays and restaurant meals if your home becomes uninhabitable due to a covered loss.

Question 7: What is an HO-3 policy?

A. A renter's insurance policy
B. A condo insurance policy
C. The most common homeowners policy with open-peril dwelling and named-peril personal property coverage
D. A policy for mobile homes

Correct answer: C. The most common homeowners policy with open-peril dwelling and named-peril personal property coverage

Explanation: HO-3 is the most common homeowners policy. It provides open-peril (all-risk) coverage for the dwelling and named-peril coverage for personal property.

Question 8: What is an HO-4 policy?

A. A policy for condos
B. A policy for older homes
C. A renter's insurance policy for tenants
D. A comprehensive homeowners policy

Correct answer: C. A renter's insurance policy for tenants

Explanation: HO-4 is renter's insurance. It covers the tenant's personal property and liability but not the building structure (which is the landlord's responsibility).

Question 9: What is an HO-6 policy?

A. A policy for manufactured homes
B. A condo owners policy
C. A basic homeowners policy
D. A farm insurance policy

Correct answer: B. A condo owners policy

Explanation: HO-6 is a condominium owners policy. It covers the condo owner's personal property, improvements made to the unit, and liability. The condo association typically insures the building structure.

Question 10: What is a 'Business Owners Policy' (BOP)?

A. An executive benefits policy
B. Personal insurance for business owners
C. A package policy combining property and liability coverage for small businesses
D. A policy covering business owners' homes

Correct answer: C. A package policy combining property and liability coverage for small businesses

Explanation: A Business Owners Policy (BOP) is a package policy designed for small businesses that combines commercial property coverage, business liability, and business interruption coverage.

Question 11: What is 'business interruption' insurance?

A. Coverage for business meetings
B. Insurance for supply chain issues
C. Insurance for employee breaks
D. Coverage for lost income and expenses when business operations are suspended

Correct answer: D. Coverage for lost income and expenses when business operations are suspended

Explanation: Business interruption insurance covers lost income and continuing operating expenses when a business must suspend operations due to a covered property loss, such as a fire.

Question 12: What is 'general liability' insurance for businesses?

A. Insurance for general contractors only
B. Coverage protecting against third-party claims of bodily injury or property damage
C. Coverage for all business risks
D. Coverage for employee injuries

Correct answer: B. Coverage protecting against third-party claims of bodily injury or property damage

Explanation: Commercial general liability (CGL) insurance protects businesses against third-party claims of bodily injury, property damage, personal injury (like slander), and advertising injury.

Want more than 12 questions? The interactive test on this page draws from the full 270-question Property & Casualty bank, and you can download the free Property & Casualty questions and answers PDF to study offline.

Arizona property and casualty practice exam FAQ

Is this Arizona property and casualty practice exam official?

No. This page is an independent study resource and is not an official exam from Arizona Department of Insurance and Financial Institutions, PSI, Pearson VUE, PSI, Prometric, NIPR, NAIC, or any other regulator or exam administrator.

What should I study for the Arizona P&C insurance exam?

Start with the current candidate handbook or content outline, then review property insurance, casualty insurance, liability, auto, homeowners, commercial coverage, claims basics, ethics, and state-specific insurance rules.

Can this practice test guarantee that I will pass in Arizona?

No. Practice questions can help you find weak areas, but they do not guarantee passing, licensing eligibility, or application approval.

Where should I verify Arizona P&C exam rules?

Verify scheduling, fees, identification, prelicensing, retake, fingerprinting, and application rules through Arizona Department of Insurance and Financial Institutions and the current exam-vendor resources.

How should I use this page before exam day?

Take a practice set, review missed explanations, compare weak topics against the official Arizona outline, and re-test only after reviewing the relevant coverage concepts and state rules.

Also preparing for another license in Arizona?

Property & Casualty practice exams in nearby states:

Browse all states on the Property & Casualty Insurance practice test hub, or Property & Casualty Exam Questions and Answers PDF (Free Download).