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.

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.

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.

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

equipment breakdown with spoilage coverage

life insurance waiver of premium

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

hired auto liability and physical damage needs

professional liability retroactive date

group health coordination of benefits

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 exclusion automatically becomes invalid

the claim must be paid under auto liability

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

coverage and limits may apply differently by listed location

they replace the need for policy limits

they guarantee every off-premises loss

they apply only to personal health policies

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

both cover only employee medical benefits

inland marine replaces all liability coverage

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

an extended reporting period if available

changing the building deductible only

adding comprehensive auto coverage to a personal car

naming a life insurance beneficiary

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

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

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

underinsurance may reduce claim payment after a partial loss

coinsurance always eliminates deductibles

insured value affects only auto liability claims

coinsurance applies only to annuities

Which situation best illustrates a moral hazard?

an insured intentionally exaggerates a claim because insurance will pay

a building is located in a hail-prone area

a policy uses a high deductible

Why should coverage be reviewed when a business changes operations?

new activities can create exposures not contemplated by the current policy

coverage automatically expands to every new activity without limit

state insurance law requires no updates

What is property insurance?

Insurance that protects physical property against damage or loss

Life insurance on property owners

Insurance on investment properties only

Insurance for property management companies

What is casualty insurance?

Insurance covering legal liability for injuries or damage caused to others

Insurance for military casualties

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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 270+ free Property & Casualty questions with detailed explanations.

270+ Questions

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Maryland Specific

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Simulate the real exam experience with timed questions

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50-150 questions
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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

P&C Insurance Basics

Property Insurance

Liability Insurance

Auto Insurance

Homeowners Insurance

Commercial Insurance

Claims Process

Ethics & Regulations

Free Maryland 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 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.

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

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

Maryland Property & Casualty Insurance Practice Exam Free - 2026

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: What is property insurance?

Question 12: What is casualty insurance?

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