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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 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.

An insurer agrees the fire loss is covered but says the damaged inventory is worth far less than the insured claims. Which policy condition is designed for this exact situation?

The concealment or fraud condition

Appraisal has been demanded, each side has selected an appraiser, and the two appraisers cannot agree on the amount of the loss. What happens next under the typical appraisal condition?

The appraisers submit their differences to an umpire, and agreement by any two of the three sets the amount

The claim is referred to the state insurance department, whose examiner issues a binding valuation ruling

The insurer's appraiser figure controls, since the insurer bears the appraisal cost and pays the claim

The insured must file suit within thirty days of the deadlock or forfeit the right to contest the amount

A proof of loss under a typical property policy is best described as which of the following?

A sworn statement of the loss that the insured signs and returns, usually within sixty days after the insurer requests it

A signed release the insured returns acknowledging that the claim payment received represents full and final settlement

A police or fire department report that the insured files with the insurer in place of a personal statement of the loss

The adjuster's written estimate of repair costs, which the insurer must give the insured within sixty days of the loss

A building is insured under two policies from different insurers, each written on a pro rata basis. Policy One carries a limit of $300,000 and Policy Two carries a limit of $100,000. A covered loss of $40,000 occurs. How does the other insurance condition allocate the payment?

Policy One pays $30,000 and Policy Two pays $10,000

Policy One pays the entire $40,000 because it has the larger limit

The insured selects one insurer to pay the full amount and that insurer collects nothing from the other

Each insurer pays $20,000 because both policies cover the same loss

Which action by an insured is most likely to impair the insurer's subrogation rights and jeopardize the claim payment?

Signing a release after the loss that frees the responsible third party from all liability

Providing the insurer with the name and contact information of the responsible party

Reporting the loss to the police as soon as it is discovered

Allowing the insurer to inspect the damaged property before repairs begin

What does the abandonment condition found in property policies provide?

The insured may not turn damaged property over to the insurer and demand payment of the full policy limit

The insurer must accept damaged property and pay the limit whenever repairs would exceed half the value

The insured must abandon all salvage rights to the insurer as a condition of any claim payment

The insurer may abandon the claim without explanation if the insured delays filing proof of loss

Which statement best distinguishes cancellation from nonrenewal?

Cancellation ends coverage during the policy term, while nonrenewal lets the current term run out and declines to issue a new one

Cancellation requires no advance notice to the insured, while nonrenewal requires written notice before the expiration date

Cancellation is used for commercial policies, while nonrenewal is the method used to end personal lines policies

Cancellation is a right available to the insured but not the insurer, while nonrenewal is a right available to the insurer but not the insured

An insured sells her building and wants the buyer to take over her existing property policy. Under the assignment condition, what is required?

The insurer's written consent, because the policy insures the person and not the building

Nothing beyond recording the deed, because the property policy transfers automatically with the title

Written notice to the mortgagee, because the lender controls who is insured under the policy

A proof of loss form filed by the buyer within sixty days, because ownership changes are treated as losses

For an insurer to void coverage under the concealment or fraud condition, the withheld or false information must be which of the following?

Material, meaning it would have affected the insurer's underwriting or rating decision

Contained in the written application rather than given orally

Related solely to the insured's prior claims history

Discovered by the insurer within the first thirty days of the policy period

An insurer broadens its standard homeowners form to cover an additional situation at no extra charge while an insured's policy is already in force. Which condition gives that insured the benefit of the change?

The no benefit to bailee condition

An insured leaves an area rug at a cleaning business, and the rug is destroyed in a fire at that business. The insured's homeowners policy pays the claim. What does the no benefit to bailee condition accomplish?

It prevents the cleaning business from using the insured's policy as a shield against its own liability

It requires the cleaning business to reimburse the insured's deductible

It obligates the insured's insurer to defend the cleaning business against other customers' claims

It voids the insured's coverage because the property was off premises

One dining chair from a matched set of eight is destroyed by a covered peril, and no replacement chair is available. Under the pair or set condition, how is the loss most likely settled?

The insurer pays the difference between the value of the set before the loss and its value after the loss

The insurer pays nothing because a single chair is not a separate insured item

The insurer pays the full limit for personal property because the set can no longer be matched

The insurer replaces all eight chairs with a new matching set of equal quality

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Massachusetts Property & Casualty Insurance Practice Exam Free - 2026

Boston's financial sector makes Massachusetts a demanding, rewarding place to hold an insurance license. The Massachusetts Division of Insurance runs licensing - practice free until you're consistently above passing. Access 330+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Massachusetts Property & Casualty exam: 90 questions (time limit not published by the state); passing score 70 (scaled); exam fee $37; administered by Pearson VUE. Verified July 2026 against the official candidate handbook. Full details and source

330+ Questions

Unlimited Practice

Massachusetts Specific

How the Massachusetts Property & Casualty exam compares

The Massachusetts Property & Casualty exam is 90 questions, a scaled passing score of 70 - separate Property and Casualty exams (figures reflect the Property exam). The examination fee is $37 per exam.

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

Massachusetts 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 - Massachusetts 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 Massachusetts Division of Insurance Candidate Handbook (Pearson VUE #122300, June 2026) + Content Outlines #122301 (effective July 22, 2026) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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

Massachusetts splits the Property & Casualty licensing exam into a general (national) part and a state-specific part on Massachusetts law: Property Producer: 90 total (50+5 general, 30+5 state). Casualty Producer: 90 total (50+5 general, 30+5 state). No combined P&C producer exam listed. Time limit: Not published in the current handbook. Passing: Scaled score of 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 Massachusetts'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 Massachusetts Division of Insurance.

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Massachusetts Property & Casualty Exam Info

Vendor: Pearson VUE (effective July 22, 2026; Prometric administered exams through July 16, 2026)
Questions: Property Producer: 90 total (50+5 general, 30+5 state). Casualty Producer: 90 total (50+5 general, 30+5 state). No combined P&C producer exam listed
Time limit: Not published in the current handbook
Passing: Scaled score of 70
Exam fee: $37 per exam
Prelicensing: Not published - confirm with the state insurance department

Verified July 2026 from the Massachusetts Division of Insurance Candidate Handbook (Pearson VUE #122300, June 2026) + Content Outlines #122301 (effective July 22, 2026). Always confirm with the current official candidate handbook.

Massachusetts Division of Insurance

More Massachusetts Tests

Study Tip

Study the explanation, not the answer. The real exam words questions differently than any practice bank, so understanding why an answer is correct matters far more than memorizing which letter it was.

Massachusetts 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 Massachusetts 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 Massachusetts

Prepare for multiple insurance licenses in Massachusetts

Life Insurance

Massachusetts Exam

Health Insurance

Massachusetts Exam

Property & Casualty Exams in Nearby States

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

Official Massachusetts Insurance Resources

Important external links for Massachusetts insurance licensing information

Massachusetts Division 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

Massachusetts Property & Casualty Insurance Practice Exam Free - 2026

How the Massachusetts Property & Casualty exam compares

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

Choose Your Practice Mode

Massachusetts Property & Casualty Exam Topics

Free Massachusetts Property & Casualty Practice Questions with Answers

Question 1: An insurer agrees the fire loss is covered but says the damaged inventory is worth far less than the insured claims. Which policy condition is designed for this exact situation?

Question 2: Appraisal has been demanded, each side has selected an appraiser, and the two appraisers cannot agree on the amount of the loss. What happens next under the typical appraisal condition?

Question 3: A proof of loss under a typical property policy is best described as which of the following?

Question 4: A building is insured under two policies from different insurers, each written on a pro rata basis. Policy One carries a limit of $300,000 and Policy Two carries a limit of $100,000. A covered loss of $40,000 occurs. How does the other insurance condition allocate the payment?

Question 5: Which action by an insured is most likely to impair the insurer's subrogation rights and jeopardize the claim payment?

Question 6: What does the abandonment condition found in property policies provide?

Question 7: Which statement best distinguishes cancellation from nonrenewal?

Question 8: An insured sells her building and wants the buyer to take over her existing property policy. Under the assignment condition, what is required?

Question 9: For an insurer to void coverage under the concealment or fraud condition, the withheld or false information must be which of the following?

Question 10: An insurer broadens its standard homeowners form to cover an additional situation at no extra charge while an insured's policy is already in force. Which condition gives that insured the benefit of the change?

Question 11: An insured leaves an area rug at a cleaning business, and the rug is destroyed in a fire at that business. The insured's homeowners policy pays the claim. What does the no benefit to bailee condition accomplish?

Question 12: One dining chair from a matched set of eight is destroyed by a covered peril, and no replacement chair is available. Under the pair or set condition, how is the loss most likely settled?

Frequently Asked Questions

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

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

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

Other Insurance Exams in Massachusetts

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Official Massachusetts Insurance Resources

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