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.

To win a commercial account, a producer offers to give the business owner half of his commission back in cash if the owner buys the policy through him. This inducement is generally known as what?

Rebating, an unfair trade practice in most jurisdictions unless specifically permitted

A lawful discount available to any producer

A producer collects a client's premium check, deposits it in his personal account, and uses part of it to cover office rent, planning to forward the balance to the insurer next month. What standard has the producer violated?

His fiduciary duty, because collected premiums are trust funds that belong to others and must not be commingled or used as his own

None, provided the insurer eventually receives the full premium

Only an internal accounting guideline with no regulatory significance

A client asks her producer to add a newly purchased building to her commercial policy. The producer forgets, and an uninsured fire loss follows. The client sues the producer for the unpaid loss. Which coverage protects the producer against this claim?

Errors and omissions insurance, which covers financial harm caused by the producer's negligent professional mistakes

The producer's own commercial general liability policy

The insurer's errors are always absorbed by the insurer, so no producer coverage is needed

Before the federal flood program existed, private insurers largely refused to write flood coverage on homes because a single storm could damage thousands of insured properties in the same area at once. Which element of an ideally insurable risk does flood fail?

The loss must not be catastrophic to the insurer, meaning exposure units should not all suffer loss at the same time

The premium must be economically feasible

The loss must be definite as to time and place

An insurer that writes 500,000 similar homes can predict its annual fire losses far more accurately than an insurer writing 500 similar homes. Which principle explains this?

The law of large numbers - as the number of similar exposure units grows, actual results approach expected results

After several injury claims, a family entertainment center permanently shuts down its trampoline attraction rather than continue operating it. Which risk management technique has the business used?

Avoidance - eliminating the activity that creates the loss exposure

A commercial insurance buyer notices that renewal premiums are rising sharply, insurers are tightening underwriting standards, and some carriers are declining classes of business they wrote easily two years earlier. Which phase of the insurance market cycle does this describe?

A hard market, marked by rising rates, restricted terms, and reduced capacity

A primary insurer heavily concentrated in coastal homeowners business cedes part of that book to another insurer under a treaty. What is the primary insurer accomplishing?

Buying reinsurance, which transfers part of its assumed risk so it can protect itself from catastrophic losses and write more business

Eliminating its policyholder obligations, which pass directly to the other insurer

Converting its policies into surplus lines business

Rebating premium to its policyholders

A city hires a contractor to rebuild a public road and requires the contractor to post a surety bond guaranteeing completion. Halfway through, the contractor abandons the job. Whom does the bond protect?

The city, as obligee, which is compensated or has the work completed when the principal defaults

The contractor, who is excused from performing

The surety, which keeps the premium

The contractor's employees, who are guaranteed wages

A surety pays a project owner $200,000 after the bonded contractor defaults. What happens next, and why does this show that a surety bond is not true insurance?

The surety seeks reimbursement from the contractor, because the bond premium is a service fee and the principal remains ultimately responsible for its own default

The surety absorbs the loss the way an insurer pays a claim, because the premium was calculated to fund expected losses

The surety bills the project owner for the shortfall

The loss is split equally among all three parties to the bond

A contractor submits the winning bid on a school project but then refuses to sign the contract at its bid price, forcing the district to award the job to the next lowest bidder at a higher cost. Which bond is designed to compensate the district for that difference?

The bid bond the contractor posted with its proposal

100% Free - No Registration Required

New Hampshire Property & Casualty Insurance Practice Exam Free - 2026

The New Hampshire Insurance Department licenses producers across the Granite State. Practice the national exam content free here, and review every explanation before test day. Access 390+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The New Hampshire Property & Casualty exam: 150 questions in 150 minutes; passing score not published by the state; exam fee $72; administered by PSI; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

390+ Questions

Unlimited Practice

New Hampshire Specific

How the New Hampshire Property & Casualty exam compares

The New Hampshire Property & Casualty exam is 150 questions, 150 minutes - combined Property & Casualty exam. The examination fee is $72 combined.

New Hampshire 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.

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 New Hampshire Insurance Department Licensing Examination Candidate Information Bulletin (PSI; vendor since 7/1/2025, linked from insurance.nh.gov) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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Simulate the real exam experience with timed questions

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50-150 questions
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Instant feedback
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All answers shown
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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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New Hampshire Property & Casualty Exam Info

Vendor: PSI
Questions: Combined Property & Casualty (Series 12-64): 150 items, 2.5 hours; separate Property (12-84) and Casualty (12-85) exams at $59 each are also offered
Time limit: 150 minutes
Passing: Not published by the state - your score report shows pass/fail
Exam fee: $72 combined; $59 single-line
Prelicensing: None required. NH Insurance Department producer licensing page: prelicensing courses are optional study tools; the Department does not require or approve prelicensing education.

Verified July 2026 from the New Hampshire Insurance Department Licensing Examination Candidate Information Bulletin (PSI; vendor since 7/1/2025, linked from insurance.nh.gov). Always confirm with the current official candidate handbook.

New Hampshire Insurance Department

More New Hampshire 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.

New Hampshire 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 New Hampshire 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 New Hampshire

Prepare for multiple insurance licenses in New Hampshire

Life Insurance

New Hampshire Exam

Health Insurance

New Hampshire Exam

Property & Casualty Exams in Nearby States

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

Vermont

Maine

Massachusetts

Official New Hampshire Insurance Resources

Important external links for New Hampshire insurance licensing information

New Hampshire Insurance Department

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

New Hampshire Property & Casualty Insurance Practice Exam Free - 2026

How the New Hampshire Property & Casualty exam compares

Choose Your Practice Mode

New Hampshire Property & Casualty Exam Topics

Free New Hampshire Property & Casualty Practice Questions with Answers

Question 1: Every eighteen months, a producer persuades the same client to cash in policy values and use them to buy a new policy with the same insurer. The transactions serve no client need but generate first-year commissions each time. This practice is best described as what?

Question 2: To win a commercial account, a producer offers to give the business owner half of his commission back in cash if the owner buys the policy through him. This inducement is generally known as what?

Question 3: A producer collects a client's premium check, deposits it in his personal account, and uses part of it to cover office rent, planning to forward the balance to the insurer next month. What standard has the producer violated?

Question 4: A client asks her producer to add a newly purchased building to her commercial policy. The producer forgets, and an uninsured fire loss follows. The client sues the producer for the unpaid loss. Which coverage protects the producer against this claim?

Question 5: Before the federal flood program existed, private insurers largely refused to write flood coverage on homes because a single storm could damage thousands of insured properties in the same area at once. Which element of an ideally insurable risk does flood fail?

Question 6: An insurer that writes 500,000 similar homes can predict its annual fire losses far more accurately than an insurer writing 500 similar homes. Which principle explains this?

Question 7: After several injury claims, a family entertainment center permanently shuts down its trampoline attraction rather than continue operating it. Which risk management technique has the business used?

Question 8: A commercial insurance buyer notices that renewal premiums are rising sharply, insurers are tightening underwriting standards, and some carriers are declining classes of business they wrote easily two years earlier. Which phase of the insurance market cycle does this describe?

Question 9: A primary insurer heavily concentrated in coastal homeowners business cedes part of that book to another insurer under a treaty. What is the primary insurer accomplishing?

Question 10: A city hires a contractor to rebuild a public road and requires the contractor to post a surety bond guaranteeing completion. Halfway through, the contractor abandons the job. Whom does the bond protect?

Question 11: A surety pays a project owner $200,000 after the bonded contractor defaults. What happens next, and why does this show that a surety bond is not true insurance?

Question 12: A contractor submits the winning bid on a school project but then refuses to sign the contract at its bid price, forcing the district to award the job to the next lowest bidder at a higher cost. Which bond is designed to compensate the district for that difference?

Frequently Asked Questions

How many questions are on the New Hampshire Property & Casualty exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the New Hampshire insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in New Hampshire

Property & Casualty Exams in Nearby States

Official New Hampshire Insurance Resources

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Property & Casualty practice tests by state