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 900 practice questions - 276 for Life, 280 for Health, and 384 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 the 'products-completed operations' hazard?

Liability for injury or damage arising from products sold or work completed away from premises

Liability for injury or damage arising from ongoing operations at the insured's job site

Liability for injury or damage occurring to customers while visiting the insured's premises

Liability for the cost of recalling or replacing a product that is found to be defective after sale

What is 'premises and operations' coverage?

Liability coverage for injuries or damage occurring on insured premises or from ongoing operations

Liability coverage for injuries or damage caused by the insured's products after they are sold

Property coverage for damage to the insured's own building and equipment used in its operations

Liability coverage for injuries or damage arising from the insured's work after it is completed

What is 'personal and advertising injury' coverage?

Coverage for offenses like libel, slander, false arrest, and copyright infringement in advertising

Coverage for bodily injury to customers caused by a product the insured promoted in its ads

Coverage for medical expenses and lost wages after an auto accident regardless of fault

Coverage for the cost of reprinting or rerunning an advertisement that contained a factual error

What is 'umbrella' liability insurance?

Excess liability coverage that provides additional limits above underlying policies

A package policy that combines property and liability coverage under a single contract

Primary liability coverage that pays first before any other policy the insured carries

Liability coverage that replaces the insured's auto and homeowners policies with one contract

What is 'excess' liability insurance?

Coverage that pays only after underlying policy limits are exhausted

Coverage placed with a non-admitted insurer when admitted carriers decline the risk

Coverage that shares each loss proportionally with the insured's primary policy

Coverage that broadens the terms of the underlying policy to fill gaps in protection

What is 'hired and non-owned auto' coverage?

Liability coverage for vehicles used for business that aren't owned by the insured

Physical damage coverage for vehicles the business leases under a long-term contract

Liability coverage for vehicles the business owns and registers in its own name

Liability coverage for employees' personal vehicles while driven for personal errands

What is 'motor carrier' insurance?

Commercial auto coverage required for businesses transporting goods or passengers for hire

What is 'cargo' insurance?

Coverage for goods being transported against loss or damage during transit

Coverage for the truck or vessel itself against physical damage while carrying goods

Liability coverage for a carrier's bodily injury claims arising from its delivery vehicles

Coverage for goods stored in the insured's warehouse against fire, theft, and vandalism

A dry cleaner damages a customer's garment but is not legally at fault. Which form would still pay the customer?

A bailees customers form, which pays regardless of the bailee's legal liability

A bailee legal liability form, because the goods were in the insured's care

The cleaner's own commercial property policy

No coverage applies unless the customer sues successfully

What is 'pollution liability' insurance?

Coverage for cleanup costs and third-party damages from pollution incidents

Coverage for regulatory fines and penalties assessed by the EPA for emissions violations

The absolute pollution exclusion that removes contamination claims from a CGL policy

Coverage for gradual wear and deterioration of the insured's own storage tanks and pipes

What is 'contractual liability' coverage?

Coverage for liability assumed under a contract that would otherwise be the other party's responsibility

Coverage for the insured's financial losses when the other party fails to perform a contract

Coverage that shifts the insured's own negligence liability onto the other party to the contract by agreement

Coverage for a professional's liability arising from errors in drafting contracts for clients

What is 'vicarious liability'?

Liability for the actions of another person for whom one is responsible

Liability imposed without fault for engaging in an abnormally dangerous activity

Liability that arises from an intentional act of the defendant rather than from negligence

Liability shared between two defendants in proportion to each one's degree of fault

100% Free - No Registration Required

Delaware Property & Casualty Insurance Practice Exam Free - 2026

Delaware may be small, but its licensing exam covers the same national content majors face anywhere - plus rules from the Delaware Department of Insurance. Drill free practice questions until the answers come automatically. Access 330+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Delaware Property & Casualty exam: 102 questions in 135 minutes; passing score not published by the state; exam fee $90; administered by Pearson VUE; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

330+ Questions

Unlimited Practice

Delaware Specific

How the Delaware Property & Casualty exam compares

The Delaware Property & Casualty exam is 102 questions, 135 minutes - separate Property and Casualty exams (figures reflect the Property exam). The examination fee is $90.

It is shorter than the typical Property & Casualty exam of about 145 questions, so each item carries more weight.

Delaware 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.

Mirrors the Property exam - Delaware tests Property and Casualty separately.

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 Delaware Insurance Candidate Handbook (June 2025, #120800) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

The Delaware Property & Casualty producer exam: general and state parts

Delaware splits the Property & Casualty licensing exam into a general (national) part and a state-specific part on Delaware law: Property exam: General 50+10 (75 min) + State 35+7 (60 min) = 102 q; Casualty is a separate exam: General 50+10 + State 45+9 = 114 q, 135 min. Time limit: 135 minutes. Passing: scaled score (not published per exam). The general part is what the practice tests on this page drill - policy types, provisions and riders, underwriting, and federal rules - while the state part comes from Delaware's own statutes and regulations, listed in the official content outline.

Candidates who pass the general part but fail the state part usually studied a national textbook and skipped their state's law chapter. Read the outline's state section, note every statute it cites, and confirm the details with the Delaware Department of Insurance.

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 Delaware selection

Delaware Property & Casualty Exam Info

Vendor: Pearson VUE
Questions: Property exam: General 50+10 (75 min) + State 35+7 (60 min) = 102 q; Casualty is a separate exam: General 50+10 + State 45+9 = 114 q, 135 min
Time limit: 135 minutes
Passing: scaled score (not published per exam)
Exam fee: $90
Prelicensing: None - 'The Delaware Department of Insurance does not require a specific program of pre-licensing education'

Verified July 2026 from the Delaware Insurance Candidate Handbook (June 2025, #120800). Always confirm with the current official candidate handbook.

Delaware Department of Insurance

More Delaware Tests

Study Tip

Spread practice across several days instead of one long session. Short, repeated sessions with explanations beat cramming for vocabulary-heavy insurance exams.

Delaware 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 Delaware Property & Casualty Practice Questions with Answers

12 sample questions from the 330-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 Delaware

Prepare for multiple insurance licenses in Delaware

Life Insurance

Delaware Exam

Health Insurance

Delaware Exam

Property & Casualty Exams in Nearby States

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

Pennsylvania

Maryland

New Jersey

Official Delaware Insurance Resources

Important external links for Delaware insurance licensing information

Delaware 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 Delaware Property & Casualty exam preparation today.

Learn more about exam preparation:

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

Delaware Property & Casualty Insurance Practice Exam Free - 2026

How the Delaware Property & Casualty exam compares

The Delaware Property & Casualty producer exam: general and state parts

Choose Your Practice Mode

Delaware Property & Casualty Exam Topics

Free Delaware Property & Casualty Practice Questions with Answers

Question 1: What is the 'products-completed operations' hazard?

Question 2: What is 'premises and operations' coverage?

Question 3: What is 'personal and advertising injury' coverage?

Question 4: What is 'umbrella' liability insurance?

Question 5: What is 'excess' liability insurance?

Question 6: What is 'hired and non-owned auto' coverage?

Question 7: What is 'motor carrier' insurance?

Question 8: What is 'cargo' insurance?

Question 9: A dry cleaner damages a customer's garment but is not legally at fault. Which form would still pay the customer?

Question 10: What is 'pollution liability' insurance?

Question 11: What is 'contractual liability' coverage?

Question 12: What is 'vicarious liability'?

Frequently Asked Questions

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

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Is the Delaware Property & Casualty producer exam one test or two?

Other Insurance Exams in Delaware

Property & Casualty Exams in Nearby States

Official Delaware Insurance Resources

Ready to Start Practicing?

Property & Casualty practice tests by state