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.

A restaurant refrigerator breaks down and food spoils. Which coverage combination may be relevant?

equipment breakdown with spoilage coverage

business income with an ordinance or law endorsement

commercial property with fire legal liability

products liability with a recall expense endorsement

A business rents a van for a one-week project. Which commercial auto exposure should be reviewed?

hired auto liability and physical damage needs

non-owned auto coverage for employee vehicles

garagekeepers legal liability for customer vehicles

uninsured motorist coverage on the owned fleet

A policy excludes flood, but the insured suffers flood damage to a building. What is the likely coverage concern?

the loss may require separate flood coverage

the claim must be paid under auto liability

the exclusion automatically becomes invalid

A business has property at multiple locations. Why are location schedules important?

coverage and limits may apply differently by listed location

they extend coverage to any newly acquired location for a full year

they eliminate the coinsurance requirement for scheduled locations

they allow the insured to move limits between locations after a loss

Why might a contractor need both CGL and inland marine coverage?

CGL addresses liability claims, while inland marine may cover tools or equipment in transit or at job sites

CGL covers tools and equipment at job sites, while inland marine addresses liability for injury to others

CGL covers work performed on the premises, while inland marine covers liability arising off the premises

CGL covers the contractor's own building and contents, while inland marine covers vehicles used on the job

A claims-made liability policy is canceled without replacement. What should the insured consider?

an extended reporting period if available

adding comprehensive auto coverage to a personal car

naming a life insurance beneficiary

changing the building deductible

A blanket insurance limit is best described as a limit that may apply:

over more than one item or location, depending on policy wording

to one specifically described item at a stated insurance amount

to all locations, but at no more than the value of any one

to property away from the premises for a stated period of days

A property policy has a coinsurance clause. Why is the insured value important?

underinsurance may reduce claim payment after a partial loss

the insurer may pay more than the face limit when values rise

the insured is required to pay a share of every loss regardless of limit

premium credits apply once the insured value exceeds the coinsurance amount

Which situation best illustrates a moral hazard?

an insured intentionally exaggerates a claim because insurance will pay

an insured leaves doors unlocked because the property is insured for full value

a worker stores flammable solvents in an unventilated wooden shed

a building in a high-crime area is left without an alarm system

Why should coverage be reviewed when a business changes operations?

new activities can create exposures not contemplated by the current policy

state insurance law requires no updates

coverage automatically expands to every new activity without limit

A fire destroys an insured home, and the investigation shows the named insured intentionally set the fire. The lender is named under a standard mortgage clause. How does this affect the lender?

The lender may still collect its share of the loss even though the insured's own claim is denied

The lender is paid only if it can prove it had no knowledge of the arson before the policy was issued

The lender must sue the insured directly and has no rights under the policy

The lender loses all rights because the policy is void from inception

Under a standard mortgage clause, which obligation does the mortgagee accept in exchange for its protected status?

It must pay the premium if the owner does not, and notify the insurer of a known increase in hazard or change in ownership

It must inspect the property at least once each year and certify to the insurer that no increase in hazard exists

It must keep the property insured for at least the outstanding loan balance plus interest, and forfeit its rights if the amount falls short

It must absorb the insured's deductible on every claim and waive its right to receive separate notice of cancellation from the insurer

100% Free - No Registration Required

Maryland Property & Casualty Insurance Practice Exam Free - 2026

The Maryland Insurance Administration oversees one of the Mid-Atlantic's busiest licensing pipelines. From Baltimore to the DC suburbs, candidates use free practice here to pass on the first attempt. Access 390+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Maryland Property & Casualty exam: 90 questions in 105 minutes; passing score 70%; exam fee $62; administered by Prometric; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

390+ Questions

Unlimited Practice

Maryland Specific

How the Maryland Property & Casualty exam compares

The Maryland Property & Casualty exam is 90 questions, 105 minutes, a 70% cut score - separate Property and Casualty exams (figures reflect the Property exam). The examination fee is $62 per exam.

Testing is through Prometric, now the least common of the three national vendors - worth checking seat availability early.

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

Maryland 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 - Maryland 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 Maryland Insurance Administration Licensing Information Bulletin + Prometric exam content outlines (Series 20-xx) + Prometric MD Insurance Exam FAQ and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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 Maryland selection

Maryland Property & Casualty Exam Info

Vendor: Prometric
Questions: Property Producer 20-31: 90 total (80 scored + 10 unscored), 105 min. Casualty Producer 20-26: 90 total (80+10), 105 min. Combined P&C Producer Combo 20-32 also offered: 130 total (120 scored + 10 unscored), 150 min
Time limit: 105 minutes
Passing: 70% or higher
Exam fee: $62 per exam (including combo)
Prelicensing: None - prelicensing education and experience requirements repealed per MIA Bulletin 24-19 (Repealing the Prelicensing Education and Experience Requirements)

Verified July 2026 from the Maryland Insurance Administration Licensing Information Bulletin + Prometric exam content outlines (Series 20-xx) + Prometric MD Insurance Exam FAQ. Always confirm with the current official candidate handbook.

Maryland Insurance Administration

More Maryland Tests

Study Tip

Don't just aim to pass a practice test once - retake it until you score comfortably above your state's passing mark two or three times in a row. Read the explanation after every question, even the ones you get right, to lock in the rule before exam day.

Maryland 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 Maryland 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 Maryland

Prepare for multiple insurance licenses in Maryland

Life Insurance

Maryland Exam

Health Insurance

Maryland Exam

Property & Casualty Exams in Nearby States

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

Official Maryland Insurance Resources

Important external links for Maryland insurance licensing information

Maryland Insurance Administration

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 Maryland Property & Casualty exam preparation today.

Learn more about exam preparation:

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

Maryland Property & Casualty Insurance Practice Exam Free - 2026

How the Maryland Property & Casualty exam compares

Choose Your Practice Mode

Maryland Property & Casualty Exam Topics

Free Maryland Property & Casualty Practice Questions with Answers

Question 1: A restaurant refrigerator breaks down and food spoils. Which coverage combination may be relevant?

Question 2: A business rents a van for a one-week project. Which commercial auto exposure should be reviewed?

Question 3: A policy excludes flood, but the insured suffers flood damage to a building. What is the likely coverage concern?

Question 4: A business has property at multiple locations. Why are location schedules important?

Question 5: Why might a contractor need both CGL and inland marine coverage?

Question 6: A claims-made liability policy is canceled without replacement. What should the insured consider?

Question 7: A blanket insurance limit is best described as a limit that may apply:

Question 8: A property policy has a coinsurance clause. Why is the insured value important?

Question 9: Which situation best illustrates a moral hazard?

Question 10: Why should coverage be reviewed when a business changes operations?

Question 11: A fire destroys an insured home, and the investigation shows the named insured intentionally set the fire. The lender is named under a standard mortgage clause. How does this affect the lender?

Question 12: Under a standard mortgage clause, which obligation does the mortgagee accept in exchange for its protected status?

Frequently Asked Questions

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

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Other Insurance Exams in Maryland

Property & Casualty Exams in Nearby States

Official Maryland Insurance Resources

Ready to Start Practicing?

Property & Casualty practice tests by state