New York Property & Casualty Insurance Practice Exam Free - 2026
New York is the most demanding licensing state in the country, with the Department of Financial Services requiring more prelicensing study than almost anywhere else. Make those hours pay off with free exam-style practice. Access 348+ free Property & Casualty questions with detailed explanations.
Exam quick facts. The New York Property & Casualty exam: 150 questions in 150 minutes; passing score 70%; exam fee $40; administered by PSI; 90-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source
How the New York Property & Casualty exam compares
The New York Property & Casualty exam is 150 questions, 150 minutes, a 70% cut score - one combined P&C exam (Series 17-56) for both agent and broker. The examination fee is $40 per examination.
New York requires 90 hours of prelicensing education before you may sit - one of the heaviest classroom requirements in the country.
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.
Figures above are taken from NY DFS / PSI Candidate Information Bulletin and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.
Official content outline: what the New York Property & Casualty exam tests
New York Property and Casualty Insurance Agent/Broker (Series 17-56)
150 questions, 2.5-hour time limit, 70% to pass
| Outline section | Questions / weight |
|---|---|
| Insurance regulation | 9% |
| General insurance | 9% |
| Property and casualty insurance basics | 13% |
| Dwelling (2014) policy | 6% |
| Homeowners (2011) policy | 14% |
| Auto insurance | 11% |
| Commercial package policy (CPP) | 11% |
| Businessowners (2010) policy | 8% |
| Workers' compensation insurance | 8% |
| Other coverages and options | 7% |
| Accident and health insurance | 4% |
New York state law on the exam: 9% as a named section, plus New York statute citations inside almost every product section
- Licensing: agent and broker licenses, appointment and termination of appointment (Insurance Law 2103, 2104, 2112; Regulations 9, 18, 29)
- Unfair and prohibited practices: misrepresentation and false advertising (2123, 2603; Regulation 64), rebating, and the unfair claims settlement rules (2601; Regulation 64 Part 216)
- Prohibition of geographical redlining and the use of insurance credit scores (3429-3433; Regulation 90)
- Representations, warranties, rescission and concealment (3105, 3106)
- New York-specific policy provisions: the DP 01 31 and other New York endorsements, hired and non-owned auto (BP 04 36), no-fault auto and the Motor Vehicle Accident Indemnification Corporation
- The New York Property Insurance Underwriting Association (FAIR Plan, 5401-5412) and the Coastal Market Assistance Program
PSI weights the New York exam by percentage rather than by fixed counts, and it is one of the few P&C exams with an accident-and-health section. Homeowners, auto and the commercial package policy together make up more than a third of the questions, and the New York endorsements named in the outline (DP 01 31, BP 04 36) are asked about by form number.
Source: PSI New York Insurance Licensing Candidate Information Bulletin - Series 17-56 content outline (effective Current bulletin (read September 2026)). Outlines change; confirm with the current document before you book.
Choose Your Practice Mode
- Vendor: PSI Services
- Questions: 150 questions
- Time limit: 150 minutes
- Passing: 70% correct
- Exam fee: $40 per examination
- Prelicensing: 90 hours for the Property/Casualty line
Verified July 2026 from the NY DFS / PSI Candidate Information Bulletin. Always confirm with the current official candidate handbook.
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.
New York Property & Casualty Exam Topics
Free New York Property & Casualty Practice Questions with Answers
12 sample questions from the 348-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 York
Prepare for multiple insurance licenses in New York
Property & Casualty Exams in Nearby States
Planning to get licensed in multiple states? Practice for neighboring state exams too.
Official New York Insurance Resources
Important external links for New York insurance licensing information
New York Department of Financial Services
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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