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.

How many questions are included in the practice tests?

We offer over 630 practice questions - 180 for Life, 180 for Health, and 270 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.

In a CGL policy, Coverage A most commonly applies to what?

Bodily injury and property damage liability

Commercial auto physical damage

In a CGL policy, Coverage B is commonly associated with what?

Personal and advertising injury liability

Flood damage to business property

In a CGL policy, Coverage C usually provides what?

Medical payments for certain injuries without regard to legal liability

Coverage for employee occupational injuries

Coverage for intentional criminal acts by the insured

Business auto collision coverage

Products-completed operations coverage is most relevant to which situation?

A product sold by the insured injures a customer after the sale

The insured's building burns before opening

An employee needs group health coverage

The insured wants to insure a private auto

The premises and operations hazard in CGL coverage generally relates to what?

Liability arising from the insured's premises or ongoing business operations

Losses under personal health insurance only

Damage to the insured's own inventory only

Which claim is most likely excluded by a standard CGL policy and handled by workers compensation instead?

An employee is injured while performing job duties

A visitor's property is damaged by negligence

A product injures a buyer after sale

Which CGL exclusion is designed to prevent the policy from becoming a warranty for the insured's own faulty work?

The personal auto exclusion only

Workers compensation insurance is designed mainly to cover what?

Job-related employee injuries or occupational disease benefits required by law

The business owner's personal life insurance

Employer's liability coverage in a workers compensation policy generally protects the employer against what?

Certain lawsuits by employees or related parties not fully covered by workers compensation benefits

The employer's commercial auto collision damage

The employer's product recall expenses only

The employer's life insurance premiums

A key feature of workers compensation is that benefits are generally provided based on what principle?

No-fault benefits for covered work-related injuries

Only if the employee proves intentional harm

Only if the employer has no insurance

Only for injuries away from work

Which item is commonly used in workers compensation rating?

The owner's personal credit card rewards

The number of life insurance beneficiaries

An experience modification factor in workers compensation is used to reflect what?

The employer's loss experience compared with similar employers

The number of automobiles on a policy

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North Carolina Property & Casualty Insurance Practice Exam Free - 2026

North Carolina eliminated its prelicensing education requirement in October 2025, which means self-directed practice now decides who passes the NCDOI's Pearson VUE exams. These free practice tests are built for exactly that. Access 270+ free Property & Casualty questions with detailed explanations.

270+ Questions

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North Carolina Property & Casualty Exam Info

Vendor: Pearson VUE
Questions: 60 questions per exam (55 scored + 5 pretest)
Time limit: 75 minutes per exam
Passing: Scaled score of 70 (0-100 scale, set by NCDOI)
Exam fee: $45 per exam attempt
Prelicensing: None - repealed effective October 1, 2025

Verified July 2026 from the NC Insurance Licensing Candidate Handbook (Pearson VUE). Always confirm with the current official candidate handbook.

North Carolina Department of Insurance

More North Carolina 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.

North Carolina Property & Casualty Exam Topics

P&C Insurance Basics

Property Insurance

Liability Insurance

Auto Insurance

Homeowners Insurance

Commercial Insurance

Claims Process

Ethics & Regulations

Free North Carolina Property & Casualty Practice Questions with Answers

12 sample questions from the 270-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 North Carolina

Prepare for multiple insurance licenses in North Carolina

Life Insurance

North Carolina Exam

Health Insurance

North Carolina Exam

Property & Casualty Exams in Nearby States

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

Official North Carolina Insurance Resources

Important external links for North Carolina insurance licensing information

North Carolina Department 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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North Carolina Property & Casualty Insurance Practice Exam Free - 2026

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North Carolina Property & Casualty Exam Topics

Free North Carolina Property & Casualty Practice Questions with Answers

Question 1: In a CGL policy, Coverage A most commonly applies to what?

Question 2: In a CGL policy, Coverage B is commonly associated with what?

Question 3: In a CGL policy, Coverage C usually provides what?

Question 4: Products-completed operations coverage is most relevant to which situation?

Question 5: The premises and operations hazard in CGL coverage generally relates to what?

Question 6: Which claim is most likely excluded by a standard CGL policy and handled by workers compensation instead?

Question 7: Which CGL exclusion is designed to prevent the policy from becoming a warranty for the insured's own faulty work?

Question 8: Workers compensation insurance is designed mainly to cover what?

Question 9: Employer's liability coverage in a workers compensation policy generally protects the employer against what?

Question 10: A key feature of workers compensation is that benefits are generally provided based on what principle?

Question 11: Which item is commonly used in workers compensation rating?

Question 12: An experience modification factor in workers compensation is used to reflect what?

Frequently Asked Questions

How many questions are on the North Carolina Property & Casualty exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the North Carolina insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in North Carolina

Property & Casualty Exams in Nearby States

Official North Carolina Insurance Resources

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Property & Casualty practice tests by state