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 a 'payment bond'?

A surety bond guaranteeing a contractor will pay subcontractors and suppliers

A surety bond guaranteeing the project owner will pay the contractor on schedule

A surety bond guaranteeing a contractor will finish the project as specified

A surety bond guaranteeing a contractor will enter into the contract once the bid is awarded

What is a 'bid bond'?

A surety bond guaranteeing a contractor will enter into a contract if awarded the bid

A surety bond guaranteeing the contractor will complete the work according to the contract

A surety bond guaranteeing the owner will award the contract to the lowest responsible bidder

A surety bond guaranteeing the contractor will pay all subcontractors and material suppliers

What is 'subrogation' in insurance?

The insurer's right to pursue a third party responsible for a loss after paying the claim

The insured's right to sue the insurer for bad faith after a claim is denied

The insurer's right to cancel a policy after paying a claim to a third party

The insured's right to recover from the responsible party before the insurer pays

What is the main purpose of Coverage C in a homeowners policy?

To insure personal property owned or used by an insured

To insure detached structures such as a garage or shed

To insure the dwelling and structures attached to it

To pay additional living expenses when the home is unfit to live in

A homeowners policy includes Coverage D. What does this coverage usually address?

Loss of use or additional living expense

Damage to other structures on the premises

Medical payments to injured guests

Personal liability for injury to others

Coverage F in a homeowners policy is commonly designed to pay which type of claim?

Medical payments to others without requiring legal liability

Damage to the insured's automobile

Replacement of the insured's own roof after wear and tear

The insured's business payroll after a fire

Which loss is commonly excluded or limited under many homeowners policies unless additional coverage is purchased?

Smoke damage from a covered fire

Fire damage to covered property

A scheduled personal property endorsement is most often used to do what?

Provide broader or higher-limit coverage for specifically listed valuable items

Increase the Coverage C limit for all personal property in the home by a set percentage

Extend the dwelling coverage to a detached structure used for business

Add replacement cost settlement to all personal property in the home

100% Free - No Registration Required

Florida Property & Casualty Insurance Practice Exam Free - 2026

Hurricanes, retirees, and rapid growth make Florida one of the busiest insurance markets in the country. The Florida Department of Financial Services oversees licensing - practice here free until you're ready to pass. Access 330+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Florida Property & Casualty exam: 175 questions (160 scored) in 180 minutes; passing score 70%; exam fee $44; administered by Pearson VUE. Verified July 2026 against the official candidate handbook. Full details and source

330+ Questions

Unlimited Practice

Florida Specific

How the Florida Property & Casualty exam compares

The Florida Property & Casualty exam is 175 questions, 180 minutes, a 70% cut score - combined Property & Casualty exam. The examination fee is $44.

It is one of the longer Property & Casualty exams in the country; the typical Property & Casualty exam runs about 145 questions.

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 Florida Insurance Examination Content Outlines effective Jan 1, 2026 (#121003) + Candidate Handbook 08/2024 (#121000) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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Simulate the real exam experience with timed questions

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50-150 questions
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Pick your topics and question count to drill exactly what you need

Focus on just your weakest topics
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Florida Property & Casualty Exam Info

Vendor: Pearson VUE
Questions: 160 scored + 15 pretest (General Lines Agent - property & casualty, license 0220)
Time limit: 180 minutes
Passing: 70%
Exam fee: $44
Prelicensing: Handbook states some license categories require pre-licensing education (course hours set by FL statute per license type); official hour counts could not be verified - MyFloridaCFO/DFS and flsenate.gov were unreachable during verification

Verified July 2026 from the Florida Insurance Examination Content Outlines effective Jan 1, 2026 (#121003) + Candidate Handbook 08/2024 (#121000). Always confirm with the current official candidate handbook.

Florida Department of Financial Services

More Florida Tests

Study Tip

Study the explanation, not the answer. The real exam words questions differently than any practice bank, so understanding why an answer is correct matters far more than memorizing which letter it was.

Florida 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 Florida 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 Florida

Prepare for multiple insurance licenses in Florida

Life Insurance

Florida Exam

Health Insurance

Florida Exam

Property & Casualty Exams in Nearby States

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

Georgia

Alabama

Official Florida Insurance Resources

Important external links for Florida insurance licensing information

Florida Department of Financial Services

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.

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

Learn more about exam preparation:

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

Florida Property & Casualty Insurance Practice Exam Free - 2026

How the Florida Property & Casualty exam compares

Choose Your Practice Mode

Florida Property & Casualty Exam Topics

Free Florida Property & Casualty Practice Questions with Answers

Question 1: What is a 'payment bond'?

Question 2: What is a 'bid bond'?

Question 3: What is 'subrogation' in insurance?

Question 4: In a standard homeowners policy, which coverage is primarily intended for the dwelling itself?

Question 5: Which homeowners coverage usually applies to a detached garage on the residence premises?

Question 6: What is the main purpose of Coverage C in a homeowners policy?

Question 7: A homeowners policy includes Coverage D. What does this coverage usually address?

Question 8: Which homeowners coverage part is most closely tied to personal liability claims against an insured?

Question 9: Coverage F in a homeowners policy is commonly designed to pay which type of claim?

Question 10: Which loss is commonly excluded or limited under many homeowners policies unless additional coverage is purchased?

Question 11: A scheduled personal property endorsement is most often used to do what?

Question 12: Which valuation approach pays the cost to replace damaged property with new property of like kind and quality, without deducting for depreciation?

Frequently Asked Questions

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

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Other Insurance Exams in Florida

Property & Casualty Exams in Nearby States

Official Florida Insurance Resources

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Property & Casualty practice tests by state