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.

The appraisal condition in a property policy is generally used to resolve disputes about what?

The identity of a life insurance beneficiary

A workers compensation class code only

Whether the insured is old enough for health insurance

The liberalization condition generally provides what?

Automatic application of certain coverage broadening changes without additional premium for a specified period

Automatic application of any coverage restrictions the insurer adopts during the policy period without notice

The insured's right to request broadened coverage by endorsement upon payment of additional premium

A refund of unearned premium when the insurer's newly filed forms would have cost the insured less

The concealment or fraud condition generally allows the insurer to deny coverage or void coverage when what occurs?

The insured intentionally misrepresents or conceals material facts

The insured innocently misstates an immaterial detail on the application

The producer withholds a material fact that is known to the insurer

The insured files a claim for a loss that later turns out not to be covered

A deductible in property insurance is best described as what?

The amount the insured must absorb before the policy pays a covered loss

The percentage of each covered loss the insured shares with the insurer

The minimum amount of insurance the insured must carry to avoid penalty

The most the insurer will pay for any one covered loss during the term

Which loss is commonly excluded under many property policies because it is not accidental damage?

Wind damage during a covered storm

Smoke damage from a covered fire

The insured's duties after a loss commonly include which action?

Give prompt notice of the loss to the insurer

Destroy damaged property before inspection in every case

Admit liability to every claimant immediately

Refuse to cooperate with the insurer

The other insurance condition is generally used to determine what?

How coverage applies when more than one policy may cover the same loss

Which of two policies must be cancelled when both cover the same property

How the insurer recovers from a negligent third party after paying a claim

How a loss is split when two insureds share ownership of the same property

A pair or set condition in property insurance is most relevant when what happens?

Only part of a matched pair or set is damaged

An insured names two beneficiaries

Two auto policies renew on the same date

A peril is best described as what?

The chance of financial loss only

A hazard is best described as what?

A condition that increases the chance or severity of loss

The actual cause of a loss, such as fire or windstorm

The uncertainty about whether a loss will occur

The reduction in value of property because of a covered event

Which example is a morale hazard?

Being careless because insurance is available

A slippery floor with no warning sign

Intentionally burning property for insurance money

A hurricane approaching the coast

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Indiana Property & Casualty Insurance Practice Exam Free - 2026

Indiana's insurance industry stretches from Indianapolis to every county seat, overseen by the Indiana Department of Insurance. Practice free, review every explanation, and walk into your exam knowing the reasoning. Access 330+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Indiana Property & Casualty exam: 150 questions in 180 minutes; passing score 70 (scaled); exam fee $69; administered by Pearson VUE; 20-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

330+ Questions

Unlimited Practice

Indiana Specific

How the Indiana Property & Casualty exam compares

The Indiana Property & Casualty exam is 150 questions, 180 minutes - combined Property & Casualty exam. The examination fee is $69.

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 Indiana Insurance Examination Candidate Handbook (Pearson VUE #121500, Sept 2024, rev 11/2025) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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

Indiana splits the Property & Casualty licensing exam into a general (national) part and a state-specific part on Indiana law: Property & Casualty combined exam: 150 total (100 scored + 10 pretest general, 35 scored + 5 pretest state). Time limit: 180 minutes. Passing: 70. 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 Indiana'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 Indiana Department of Insurance.

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Indiana Property & Casualty Exam Info

Vendor: Pearson VUE
Questions: Property & Casualty combined exam: 150 total (100 scored + 10 pretest general, 35 scored + 5 pretest state)
Time limit: 180 minutes
Passing: 70
Exam fee: $69
Prelicensing: Life 20 hrs; Health 20 hrs; Life & Health 40 hrs; Property & Casualty 40 hrs (Indiana DOI resident licensing guidelines); certificate valid 6 months

Verified July 2026 from the Indiana Insurance Examination Candidate Handbook (Pearson VUE #121500, Sept 2024, rev 11/2025). Always confirm with the current official candidate handbook.

Indiana Department of Insurance

More Indiana Tests

Study Tip

Take your first mock exam cold, before studying - it maps your weak topics while you still have time to fix them. Then drill those topics in quiz mode and re-test.

Indiana 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 Indiana 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 Indiana

Prepare for multiple insurance licenses in Indiana

Life Insurance

Indiana Exam

Health Insurance

Indiana Exam

Property & Casualty Exams in Nearby States

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

Official Indiana Insurance Resources

Important external links for Indiana insurance licensing information

Indiana 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.

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

Indiana Property & Casualty Insurance Practice Exam Free - 2026

How the Indiana Property & Casualty exam compares

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

Choose Your Practice Mode

Indiana Property & Casualty Exam Topics

Free Indiana Property & Casualty Practice Questions with Answers

Question 1: The appraisal condition in a property policy is generally used to resolve disputes about what?

Question 2: The liberalization condition generally provides what?

Question 3: The concealment or fraud condition generally allows the insurer to deny coverage or void coverage when what occurs?

Question 4: A deductible in property insurance is best described as what?

Question 5: Which loss is commonly excluded under many property policies because it is not accidental damage?

Question 6: The insured's duties after a loss commonly include which action?

Question 7: The other insurance condition is generally used to determine what?

Question 8: A pair or set condition in property insurance is most relevant when what happens?

Question 9: Which principle says the insured should be restored to the financial position held before the loss, not profit from the loss?

Question 10: A peril is best described as what?

Question 11: A hazard is best described as what?

Question 12: Which example is a morale hazard?

Frequently Asked Questions

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

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

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

Other Insurance Exams in Indiana

Property & Casualty Exams in Nearby States

Official Indiana Insurance Resources

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Property & Casualty practice tests by state