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 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.

When do Michigan PIP benefits become overdue, and what interest applies?

Overdue if unpaid 30 days after the insurer receives reasonable proof of the fact and amount of loss, with 12% simple interest per annum

Overdue if unpaid 60 days after the insurer receives reasonable proof of the fact and amount of loss, with 12% simple interest per annum

Overdue if unpaid 30 days after the insurer receives reasonable proof of the fact and amount of loss, with interest at the statutory judgment rate

Overdue if unpaid 30 days after the date of the accident, with 12% compound interest per annum from the date of the accident

In a Michigan lawsuit for overdue personal or property protection insurance benefits, when is a reasonable attorney fee charged against the insurer in addition to the benefits recovered?

When the court finds the insurer unreasonably refused to pay the claim or unreasonably delayed making proper payment

When the claimant prevails on any part of the claim, since the statute shifts fees to the losing insurer as a matter of course

When the court finds that the insurer committed fraud or acted with malice in handling the claim, not merely unreasonably

When the benefits recovered exceed the amount the insurer offered before suit, regardless of whether the insurer's position was reasonable

A person injured in a Michigan auto accident gave the insurer no written notice of injury and received no PIP payment. By when must an action for PIP benefits be commenced?

Within 1 year after the date of the accident

Within 6 months after the accident

Within 3 years after the accident

Within 1 year after the last medical treatment, with no outer limit

What is the Michigan Catastrophic Claims Association, and who belongs to it?

A statutory reimbursement association that indemnifies member insurers for PIP benefits paid on a single catastrophic claim above a statutory attachment amount; membership is a condition of authority for every insurer writing the required security

A state agency within DIFS that pays PIP benefits directly to catastrophically injured claimants once their insurer's obligation is exhausted; it is funded by an appropriation from the general fund rather than by assessments on insurers

A voluntary pool that insurers may join to share residual bodily injury liability losses above a stated retention; members are assessed on a per-claim basis and may withdraw from the pool on written notice to the Director of DIFS

A statutory placement facility that assigns applicants who cannot obtain auto insurance in the voluntary market to member insurers in proportion to their premium volume; membership is a condition of authority for every insurer writing auto insurance in Michigan

A dwelling policy is written on the basic form without any optional perils added. Which group of perils does it cover?

Fire, lightning, and internal explosion

Theft, vandalism, and accidental discharge of water

Falling objects, weight of ice and snow, and freezing of plumbing

All risks of direct physical loss except those specifically excluded

Which statement correctly compares loss settlement for the dwelling under the basic dwelling form and the broad dwelling form?

The basic form settles the dwelling on an actual cash value basis, while the broad form provides replacement cost when the coinsurance requirement is met

Both the basic and broad forms settle the dwelling at actual cash value, and replacement cost settlement is available under the special form alone

The basic form settles at replacement cost, while the broad form settles at actual cash value unless the insured carries eighty percent of value

Both forms settle the dwelling at replacement cost without deduction for depreciation, regardless of the amount of insurance carried relative to value

How does the special dwelling form treat perils for the dwelling compared with personal property?

Open perils on the dwelling and other structures, with broad named perils on personal property

Open perils on personal property, with broad named perils on the dwelling and other structures

Open perils on the dwelling, other structures, and personal property alike, subject to the exclusions

Broad named perils on the dwelling and other structures, with basic named perils on personal property

A detached storage shed and a fence on the described location are damaged by a covered peril under a dwelling policy. Which coverage responds?

Coverage C, because the structures hold the insured's belongings

Coverage D, because the structures affect the rental value of the premises

Coverage A, because all structures on the lot are part of the dwelling

An owner rents out a house insured under a dwelling policy. A covered fire makes the house unfit to live in, and the tenant stops paying rent during repairs. Which coverage is designed for the owner's lost income?

Coverage E, additional living expense

Which statement about additional living expense coverage under dwelling forms is correct?

It is not automatically included in the basic dwelling form and generally must be added by endorsement

It is included in all three dwelling forms at ten percent of the Coverage A limit as an additional amount of insurance

It pays the insured's mortgage and property tax payments while the dwelling is uninhabitable after a covered loss

It is designed for dwellings rented to others, while an owner occupant relies on fair rental value coverage instead

Which is a key difference between a dwelling policy and a homeowners policy?

A dwelling policy does not automatically include personal liability or theft coverage, while a homeowners policy does

A dwelling policy automatically includes theft coverage for contents, while a homeowners policy requires a theft endorsement

A dwelling policy includes Section II personal liability coverage automatically, while a homeowners policy requires a liability supplement

A dwelling policy settles the dwelling at replacement cost under every form, while a homeowners policy pays actual cash value on the dwelling

Which risk is most clearly eligible for a dwelling policy but not for a standard owner-occupied homeowners policy?

A four-family rental dwelling owned by an investor who lives elsewhere

A single-family home occupied year round by the owner and her family

A condominium unit that the insured owns and occupies as a primary residence

An apartment occupied by a tenant who owns the contents but not the building

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Michigan Property & Casualty Insurance Practice Exam Free - 2026

Michigan licenses producers through DIFS with PSI-administered exams, and its distinctive no-fault auto history makes insurance knowledge especially valuable here. Prepare free with questions and explanations before you book. Access 350+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Michigan Property & Casualty exam: 150 questions in 150 minutes; passing score 74%; exam fee $41; administered by PSI; 40-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

350+ Questions

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Michigan Specific

How the Michigan Property & Casualty exam compares

The Michigan Property & Casualty exam is 150 questions, 150 minutes, a 74% cut score - combined P&C exam (Series 16-81), with separate Property (16-67) and Casualty (16-68) options. The examination fee is $41 per examination.

At 74%, Michigan sets a higher bar than the 70% most states require, which leaves less room for error than candidates expect.

Michigan requires 40 hours of prelicensing education before you may sit - one of the heaviest classroom requirements in the country.

Because a large share of the real exam is Michigan law, this practice bank includes 20 questions written specifically on Michigan statutes and regulations, each citing the provision it comes from.

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 Michigan DIFS / PSI Candidate Information Bulletin and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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Michigan Property & Casualty Exam Info

Vendor: PSI Services
Questions: 150 scored questions on the combined exam (100 per single-line exam)
Time limit: 150 minutes combined (120 minutes single-line)
Passing: 74% combined (Property-only 75%, Casualty-only 74%)
Exam fee: $41 per examination
Prelicensing: 40 hours combined (20 per single line)

Verified July 2026 from the Michigan DIFS / PSI Candidate Information Bulletin. Always confirm with the current official candidate handbook.

Michigan DIFS

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Take your first mock exam cold, before studying - it maps your weak topics while you still have time to fix them. Then drill those topics in quiz mode and re-test.

Michigan 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 Michigan Property & Casualty Practice Questions with Answers

12 sample questions from the 350-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 Michigan

Prepare for multiple insurance licenses in Michigan

Life Insurance

Michigan Exam

Health Insurance

Michigan Exam

Property & Casualty Exams in Nearby States

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

Ohio

Indiana

Wisconsin

Official Michigan Insurance Resources

Important external links for Michigan insurance licensing information

Michigan DIFS

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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Michigan Property & Casualty Insurance Practice Exam Free - 2026

How the Michigan Property & Casualty exam compares

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Michigan Property & Casualty Exam Topics

Free Michigan Property & Casualty Practice Questions with Answers

Question 1: When do Michigan PIP benefits become overdue, and what interest applies?

Question 2: In a Michigan lawsuit for overdue personal or property protection insurance benefits, when is a reasonable attorney fee charged against the insurer in addition to the benefits recovered?

Question 3: A person injured in a Michigan auto accident gave the insurer no written notice of injury and received no PIP payment. By when must an action for PIP benefits be commenced?

Question 4: What is the Michigan Catastrophic Claims Association, and who belongs to it?

Question 5: A dwelling policy is written on the basic form without any optional perils added. Which group of perils does it cover?

Question 6: Which statement correctly compares loss settlement for the dwelling under the basic dwelling form and the broad dwelling form?

Question 7: How does the special dwelling form treat perils for the dwelling compared with personal property?

Question 8: A detached storage shed and a fence on the described location are damaged by a covered peril under a dwelling policy. Which coverage responds?

Question 9: An owner rents out a house insured under a dwelling policy. A covered fire makes the house unfit to live in, and the tenant stops paying rent during repairs. Which coverage is designed for the owner's lost income?

Question 10: Which statement about additional living expense coverage under dwelling forms is correct?

Question 11: Which is a key difference between a dwelling policy and a homeowners policy?

Question 12: Which risk is most clearly eligible for a dwelling policy but not for a standard owner-occupied homeowners policy?

Frequently Asked Questions

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

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

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Other Insurance Exams in Michigan

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Official Michigan Insurance Resources

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