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 1300 practice questions - 401 for Life, 400 for Health, and 534 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.

An endorsement is used to:

add to, remove, or change policy terms

bind coverage until the policy is issued

summarize the policy's key terms for the insured

record the insured's premium payment history

A scheduled personal property endorsement is often used to:

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

extend the dwelling limit to cover detached structures on the premises

provide liability coverage for injuries caused by the insured's pets

cover business personal property the insured keeps at a separate business location

An additional insured endorsement generally:

adds another party as an insured for specified coverage purposes

names a second party to receive claim payments for damaged property

transfers the policy to a new owner with the insurer's consent

designates a party the insurer agrees not to pursue in subrogation

A waiver of subrogation endorsement usually means the insurer:

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

extends insured status to a specified party for claims arising from the insured's work

agrees to pay a specified party directly before the named insured receives any payment

gives up its right to cancel the policy while the specified party holds an interest

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 contractor doing work for the insured under a written agreement

a tenant who occupies part of the insured building under a lease

an employee who is injured while using the insured's equipment

Why should endorsements be reviewed with the base policy?

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

the base policy wording overrides any endorsement that conflicts with it

endorsements expire at the first renewal unless they are re-signed

endorsements bind the insurer but do not bind the insured who accepted them

A named perils endorsement or form covers losses only when:

the cause of loss is specifically listed as covered

the cause of loss is not specifically listed as excluded

the loss exceeds the deductible stated in the schedule

the cause of loss is both sudden and accidental in nature

Which statement about endorsements is most accurate?

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

They must be attached at policy inception and cannot be added during the term.

They broaden coverage but are not permitted to add exclusions.

They require a separate premium and a separate policy number.

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

life insurance settlement options

workers compensation wage benefits

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

medical payments under the business auto policy

workers compensation medical benefits coverage

products-completed operations liability coverage under the CGL

100% Free - No Registration Required

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 390+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Maine Property & Casualty exam: 85 questions in 120 minutes; passing score 70 (scaled); exam fee $55; administered by Pearson VUE. Verified July 2026 against the official candidate handbook. Full details and source

390+ Questions

Unlimited Practice

Maine Specific

How the Maine Property & Casualty exam compares

The Maine Property & Casualty exam is 85 questions, 120 minutes, a scaled passing score of 70 - separate Property and Casualty exams (figures reflect the Property exam). The examination fee is $55 per single line.

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

Maine does not publish a prelicensing requirement in its candidate handbook. Confirm current rules with the state insurance department before booking, since this is the detail that most often changes.

Mirrors the Property exam - Maine 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 Maine Insurance Licensing Candidate Handbook (Pearson VUE #122000, March 2026; outlines Feb 2, 2026) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

Choose Your Practice Mode

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Simulate the real exam experience with timed questions

Timed test
50-150 questions
No answer hints

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Instant feedback
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Review Mode

Study all questions with answers visible

All answers shown
Full explanations
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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
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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

More Maine 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.

Maine 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 Maine Property & Casualty Practice Questions with Answers

12 sample questions from the 390-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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How to Pass Your Insurance Exam Free Q&A PDFs All Articles

Maine Property & Casualty Insurance Practice Exam Free - 2026

How the Maine Property & Casualty exam compares

Choose Your Practice Mode

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?

How accurate are these practice questions?

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