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.

A fire loss occurs under a North Carolina standard fire policy. Which pair of time periods is correct?

Proof of loss within 60 days after the loss unless extended in writing by the insurer; payment 60 days after proof of loss is received and the amount of loss is ascertained

Proof of loss within 30 days after the loss unless extended in writing by the insurer; payment 30 days after proof of loss is received and the loss is ascertained

Proof of loss within 180 days after the loss unless extended in writing by the insurer; payment immediately upon receipt of proof of loss and ascertainment of the loss

Proof of loss within 90 days after the loss unless extended in writing by the insurer; payment 15 days after proof of loss is received and the loss is ascertained

A North Carolina insurer is terminating a private passenger automobile policy because the insured failed to pay the premium. The effective date of termination may be:

15 days from the date the notice is mailed

Immediately upon mailing the notice

30 days from the date the notice is mailed

At least 60 days after the notice is mailed

A North Carolina commercial property policy has been in effect for 45 days and is not a renewal. The insurer decides it no longer wants the risk. What may it do?

Cancel for any reason on 15 days' written notice, because the cancellation restrictions do not apply during the first 60 days

Cancel for one of the enumerated statutory reasons on 30 days' written notice, because the cancellation restrictions apply from the day the policy takes effect

Cancel immediately without written notice, because the cancellation restrictions and the notice requirement do not apply during the first 60 days

Wait until the policy has been in effect 60 days and then cancel for any reason on 15 days' written notice, because early cancellation is barred

An insurer wants the Commissioner's permission to begin writing homeowners insurance on single-family dwellings in North Carolina. What must it do first?

Become a member of the North Carolina Rate Bureau

Obtain a rate deviation approval from the Commissioner

Join the Coastal Property Insurance Pool

File its own independent rates with the Department for prior approval

What is 'workers compensation' insurance?

Coverage for employees injured on the job, regardless of fault

Coverage for employees injured on the job when the employer is proven negligent

Coverage for employers sued by employees for wrongful termination

Coverage for lost wages when an employee is laid off or furloughed

Is workers compensation insurance required?

Yes, it's mandatory in most states for employers with employees

No, it's optional in every state unless the employer elects coverage

Yes, it's required in every state for employers with 50 or more employees

Yes, it's required by federal law for every employer nationwide

What is the insured's first duty after a loss?

Promptly notify the insurance company of the loss

File a sworn proof of loss before any other action

Obtain repair estimates from at least two contractors

Begin permanent repairs to restore the property

What is a 'proof of loss'?

A formal sworn statement from the insured documenting the loss

A report prepared by the adjuster estimating the amount of damage

A written notice from the insurer acknowledging that a claim was filed

A police or fire department report confirming the loss occurred

What is the purpose of a claims adjuster?

To investigate claims and determine the amount the insurer should pay

To adjust premiums and coverage limits at each policy renewal

To decide whether an applicant meets the insurer's underwriting standards

To approve or deny claims on behalf of the state insurance department

What is 'salvage' in property claims?

Damaged property the insurer takes over after paying a loss, which it may sell to reduce the net cost

Damaged property the insured is required to keep and repair at their own expense after a partial claim payment

The insurer's right to recover its claim payment from the third party who caused the loss

The amount by which a claim payment is reduced for depreciation on damaged property

What is 'subrogation' in property and casualty insurance?

The insurer's right to pursue recovery from the party responsible for the loss

The insured's right to sue the insurer for an unreasonable claim denial

The insurer's right to take over damaged property after paying a total loss

The insurer's right to cancel the policy after paying a large claim

What is 'fraud' in insurance?

Intentional deception to obtain insurance benefits illegally

Unintentional misstatement of a material fact on an application

Failure to disclose a fact the applicant did not know was material

Purchasing coverage from several insurers on the same property

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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 408+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The North Carolina Property & Casualty exam: 60 questions in 75 minutes; passing score 70 (scaled); exam fee $45; administered by Pearson VUE; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

408+ Questions

Unlimited Practice

North Carolina Specific

How the North Carolina Property & Casualty exam compares

The North Carolina Property & Casualty exam is 60 questions, 75 minutes, a scaled passing score of 70 - separate Property and Casualty licenses/exams - no combined P&C exam. The examination fee is $45 per exam attempt.

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

North Carolina 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.

Mirrors the Property exam - North Carolina tests Property and Casualty separately.

Because a large share of the real exam is North Carolina law, this practice bank includes 18 questions written specifically on North Carolina 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 NC Insurance Licensing Candidate Handbook (Pearson VUE) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

Official content outline: what the North Carolina Property & Casualty exam tests

North Carolina Property Agent and Casualty Agent examinations (two separate licenses - there is no combined P&C exam)

Each exam: 55 scored + up to 5 pretest questions, 1 hour 15 minutes, two parts (general and state) scored together

Outline section	Questions / weight
Property exam: Terms and concepts	7
Property exam: Personal insurance coverages	18
Property exam: Commercial insurance coverages	15
Property exam: North Carolina statutes and regulations pertinent to property insurance	13
Casualty exam: Terms and concepts	11
Casualty exam: Personal insurance coverages	30
Casualty exam: North Carolina statutes and regulations pertinent to casualty insurance	15

North Carolina state law on the exam: 13 of 55 questions on the Property exam and 15 of 55 on the Casualty exam

Contract of insurance and the Commissioner of Insurance (G.S. 58-1-10, 58-2)
General regulations for insurance (58-3) and unauthorized insurers (Article 28)
Licensing of agents, limited representatives and adjusters (Article 33); continuing education (11 NCAC 6A .0800)
Insurance Information and Privacy Protection Act (Article 39) and unfair trade practices (58-63)
False pretenses and cheats (G.S. 14-100)
The North Carolina Rate Bureau (Article 36) and, on the Casualty exam, the Motor Vehicle Reinsurance Facility (Article 37), the Post-Assessment Insurance Guaranty Association (Article 48), the motor vehicle liability policy and cancellation rules (G.S. 20-279.21, 20-310), and the Workers' Compensation Act (Chapter 97)

North Carolina scores the general and state parts as one exam, so there is no separate state-law pass mark - but at 13 to 15 questions the state section is roughly a quarter of the test. The Rate Bureau and the Reinsurance Facility are unique to North Carolina and rarely covered by national study material.

Source: North Carolina Insurance Licensing Candidate Handbook (Pearson VUE #123400, October 2025; content outlines effective March 15, 2024) (effective March 15, 2024). Outlines change; confirm with the current document before you book.

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Simulate the real exam experience with timed questions

Timed test
50-150 questions
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Instant feedback
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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
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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

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 North Carolina Property & Casualty Practice Questions with Answers

12 sample questions from the 408-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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Choose a practice mode above and begin your free North Carolina Property & Casualty exam preparation today.

Learn more about exam preparation:

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

North Carolina Property & Casualty Insurance Practice Exam Free - 2026

How the North Carolina Property & Casualty exam compares

Official content outline: what the North Carolina Property & Casualty exam tests

North Carolina state law on the exam: 13 of 55 questions on the Property exam and 15 of 55 on the Casualty exam

Choose Your Practice Mode

North Carolina Property & Casualty Exam Topics

Free North Carolina Property & Casualty Practice Questions with Answers

Question 1: A fire loss occurs under a North Carolina standard fire policy. Which pair of time periods is correct?

Question 2: A North Carolina insurer is terminating a private passenger automobile policy because the insured failed to pay the premium. The effective date of termination may be:

Question 3: A North Carolina commercial property policy has been in effect for 45 days and is not a renewal. The insurer decides it no longer wants the risk. What may it do?

Question 4: An insurer wants the Commissioner's permission to begin writing homeowners insurance on single-family dwellings in North Carolina. What must it do first?

Question 5: What is 'workers compensation' insurance?

Question 6: Is workers compensation insurance required?

Question 7: What is the insured's first duty after a loss?

Question 8: What is a 'proof of loss'?

Question 9: What is the purpose of a claims adjuster?

Question 10: What is 'salvage' in property claims?

Question 11: What is 'subrogation' in property and casualty insurance?

Question 12: What is 'fraud' in insurance?

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?

How much North Carolina state law is on the Property & Casualty exam?

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