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.

What is a 'surety bond'?

A three-party agreement guaranteeing one party will fulfill an obligation to another

A two-party contract in which an insurer agrees to pay for losses in exchange for a premium

A debt instrument issued by an insurer to raise capital from outside investors

A reinsurance treaty transferring part of an insurer's risk to a second insurer

What is a 'fidelity bond'?

Coverage protecting against employee dishonesty and theft

A guarantee that a contractor will complete a construction project

A marriage-related insurance product

What is the 'National Flood Insurance Program' (NFIP)?

A federal program providing flood insurance where private coverage is limited

A state-run residual market pool that writes flood coverage for rejected applicants

A federal program reimbursing private insurers for catastrophic hurricane losses

A federal grant program that pays for flood repairs without requiring a policy

Is flood damage typically covered by standard homeowners policies?

No, flood coverage requires a separate policy

Yes, but limited to the dwelling coverage amount

Yes, if the flood is caused by a named storm

No, unless the home is in a designated flood zone

Is earthquake damage typically covered by standard homeowners policies?

No, earthquake coverage usually requires a separate policy or endorsement

Yes, earthquake is a named peril on every standard homeowners form

No, earthquake damage is covered under commercial property forms instead

Yes, but the policy applies a separate percentage deductible to earthquake losses

What is the 'attractive nuisance' doctrine?

Liability for injuries to children attracted to dangerous conditions on property

Liability for injuries to adult trespassers who ignore posted warning signs

Liability imposed on a business for the negligent acts of its employees

Liability for injuries to invited guests caused by hazards the owner failed to repair

What is 'vicarious liability'?

Liability imposed on one party for the actions of another

Liability imposed without any proof of negligence or fault

Liability that allows each defendant to be held for the full judgment

Liability of a property owner for injuries to children lured by hazards

What is 'strict liability'?

Liability imposed without proof of negligence or fault

Liability imposed on an employer for an employee's negligent acts

Liability that is reduced by the injured party's own share of fault

Liability that requires the plaintiff to prove a breach of duty

What is 'joint and several liability'?

Each defendant can be held responsible for the full amount of damages

Each defendant is responsible for damages strictly in proportion to its share of fault

Each defendant is responsible for an equal share of the damages regardless of fault

The plaintiff must sue every defendant together before collecting any damages

What is 'comparative negligence'?

A system where damages are reduced by the plaintiff's percentage of fault

A system where any fault by the plaintiff completely bars recovery of damages

A system where damages are divided equally among all negligent defendants

A system where the defendant is liable regardless of whether negligence is proven

What is 'contributory negligence'?

A defense that bars recovery if the plaintiff contributed to their own injury at all

A rule that reduces the plaintiff's award in proportion to their percentage of fault

A defense that bars recovery when the plaintiff was more than 50 percent at fault

A defense that shifts the entire loss to the defendant who contributed most to the injury

What is an 'aggregate limit' in liability insurance?

The maximum amount the insurer will pay for all claims during a policy period

The maximum amount the insurer will pay for all claims arising from a single event

The maximum amount the insured must pay out of pocket before coverage responds

The total of the limits carried under all of the insured's liability policies combined

100% Free - No Registration Required

New Jersey Property & Casualty Insurance Practice Exam Free - 2026

New Jersey's Department of Banking and Insurance runs one of the more distinctive licensing systems - including separate Property and Casualty exams. Whatever line you're pursuing, practice free here first. Access 330+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The New Jersey Property & Casualty exam: 79 questions in 210 minutes; passing score 70%; exam fee $38; administered by PSI; 20-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

330+ Questions

Unlimited Practice

New Jersey Specific

How the New Jersey Property & Casualty exam compares

The New Jersey Property & Casualty exam is 79 questions, 210 minutes, a 70% cut score - separate Property and Casualty producer exams - no combined P&C exam. The examination fee is $38 per examination.

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

New Jersey requires 20 hours of prelicensing education before you can take the exam.

Mirrors the Property exam - New Jersey 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 NJ DOBI / PSI Candidate Information Bulletin 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 New Jersey selection

New Jersey Property & Casualty Exam Info

Vendor: PSI Services
Questions: Property: 79 scored questions; Casualty: 91 scored questions
Time limit: 210 minutes (3.5 hours) per exam
Passing: 70% correct on each exam
Exam fee: $38 per examination
Prelicensing: 20 hours per line (40 hours for both)

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

New Jersey Department of Banking and Insurance

More New Jersey Tests

Study Tip

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.

New Jersey 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 Jersey 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 New Jersey

Prepare for multiple insurance licenses in New Jersey

Life Insurance

New Jersey Exam

Health Insurance

New Jersey Exam

Property & Casualty Exams in Nearby States

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

New York

Pennsylvania

Delaware

Official New Jersey Insurance Resources

Important external links for New Jersey insurance licensing information

New Jersey Department of Banking and 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.

Ready to Start Practicing?

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

Learn more about exam preparation:

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

New Jersey Property & Casualty Insurance Practice Exam Free - 2026

How the New Jersey Property & Casualty exam compares

Choose Your Practice Mode

New Jersey Property & Casualty Exam Topics

Free New Jersey Property & Casualty Practice Questions with Answers

Question 1: What is a 'surety bond'?

Question 2: What is a 'fidelity bond'?

Question 3: What is the 'National Flood Insurance Program' (NFIP)?

Question 4: Is flood damage typically covered by standard homeowners policies?

Question 5: Is earthquake damage typically covered by standard homeowners policies?

Question 6: What is the 'attractive nuisance' doctrine?

Question 7: What is 'vicarious liability'?

Question 8: What is 'strict liability'?

Question 9: What is 'joint and several liability'?

Question 10: What is 'comparative negligence'?

Question 11: What is 'contributory negligence'?

Question 12: What is an 'aggregate limit' in liability insurance?

Frequently Asked Questions

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

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Other Insurance Exams in New Jersey

Property & Casualty Exams in Nearby States

Official New Jersey Insurance Resources

Ready to Start Practicing?

Property & Casualty practice tests by state