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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.

How many questions are included in the practice tests?

We offer over 630 practice questions - 180 for Life, 180 for Health, and 270 for Property & Casualty - covering the major topics tested on insurance licensing exams, each with a detailed explanation.

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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.

An endorsement is used to:

add to, remove, or change policy terms

replace the need for underwriting

A scheduled personal property endorsement is often used to:

provide specific coverage for valuable items such as jewelry or fine arts

insure a corporation’s professional advice only

replace auto liability coverage

An additional insured endorsement generally:

adds another party as an insured for specified coverage purposes

cancels the named insured automatically

turns property coverage into health insurance

removes all exclusions from the policy

A waiver of subrogation endorsement usually means the insurer:

agrees not to pursue recovery from a specified party after paying a covered loss

will never investigate any claim

removes the deductible from all losses

guarantees a higher policy limit

A loss payable clause is commonly used to protect the interest of:

a lender or other party with a financial interest in covered property

a life insurance beneficiary only

Why should endorsements be reviewed with the base policy?

endorsement wording can change the meaning of coverage, limits, and exclusions

endorsements are never legally part of the policy

endorsements always broaden coverage without limitation

endorsements only apply to producer exams

A named perils endorsement or form covers losses only when:

the cause of loss is specifically listed as covered

the property is uninsured elsewhere

Which statement about endorsements is most accurate?

They should be read because they can change the original policy wording.

They are always optional advertising pages.

They apply only to life insurance policies.

A contractor damages a customer’s wall while performing work. Which coverage area is most likely involved?

workers compensation wage benefits

life insurance settlement options

A windstorm damages the roof of an insured building. Which coverage area is most directly involved?

professional liability coverage

A store customer slips and is injured on the premises. Which coverage area is most likely involved?

premises liability under general liability coverage

business personal property coverage

life insurance accidental death benefit

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Maine Property & Casualty Insurance Practice Exam Free - 2026

The Maine Bureau of Insurance licenses producers from Portland to Presque Isle. Use these free practice tests to lock down the national exam content before your test date. Access 270+ free Property & Casualty questions with detailed explanations.

270+ Questions

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Maine Property & Casualty Exam Info

Vendor: Pearson VUE
Questions: Property Producer 12-ME-43: 85 total, 2 hrs, $55. Casualty Producer 12-ME-44: 93 total, 2 hrs, $55. Combined P&C Producer 12-ME-03 also offered: 157 total, 3.5 hrs, $80
Time limit: 120 minutes
Passing: Scaled score of 70
Exam fee: $55 per single line; $80 combined
Prelicensing: Not published - confirm with the state insurance department

Verified July 2026 from the Maine Insurance Licensing Candidate Handbook (Pearson VUE #122000, March 2026; outlines Feb 2, 2026). Always confirm with the current official candidate handbook.

Maine Bureau of Insurance

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Study Tip

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

Maine Property & Casualty Exam Topics

P&C Insurance Basics

Property Insurance

Liability Insurance

Auto Insurance

Homeowners Insurance

Commercial Insurance

Claims Process

Ethics & Regulations

Free Maine Property & Casualty Practice Questions with Answers

12 sample questions from the 270-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 Maine

Prepare for multiple insurance licenses in Maine

Life Insurance

Maine Exam

Health Insurance

Maine Exam

Property & Casualty Exams in Nearby States

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

New Hampshire

Official Maine Insurance Resources

Important external links for Maine insurance licensing information

Maine Bureau 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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Maine Property & Casualty Insurance Practice Exam Free - 2026

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Maine Property & Casualty Exam Topics

Free Maine Property & Casualty Practice Questions with Answers

Question 1: An endorsement is used to:

Question 2: A scheduled personal property endorsement is often used to:

Question 3: An additional insured endorsement generally:

Question 4: A waiver of subrogation endorsement usually means the insurer:

Question 5: A loss payable clause is commonly used to protect the interest of:

Question 6: Why should endorsements be reviewed with the base policy?

Question 7: A named perils endorsement or form covers losses only when:

Question 8: Which statement about endorsements is most accurate?

Question 9: A contractor damages a customer’s wall while performing work. Which coverage area is most likely involved?

Question 10: A windstorm damages the roof of an insured building. Which coverage area is most directly involved?

Question 11: A business employee is injured while performing job duties. Which coverage is most directly designed for that exposure?

Question 12: A store customer slips and is injured on the premises. Which coverage area is most likely involved?

Frequently Asked Questions

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

Are these practice tests really free?

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

Can I take the practice test on my phone?

Other Insurance Exams in Maine

Property & Casualty Exams in Nearby States

Official Maine Insurance Resources

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Property & Casualty practice tests by state