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.

What is 'ocean marine' insurance?

Coverage for ships, cargo, and related maritime exposures

Flood insurance for coastal areas

Insurance for ocean-view properties

What is 'directors and officers' (D&O) liability insurance?

Coverage protecting corporate directors and officers from personal liability for decisions

Coverage protecting the corporation itself against bodily injury claims arising on its business premises

Coverage protecting employee benefit plan trustees from claims of plan mismanagement

Coverage protecting employers from claims of discrimination or wrongful termination

What is 'employment practices liability' (EPL) insurance?

Protection against claims of wrongful employment practices like harassment or discrimination

Protection against claims of mismanagement against a company's directors and officers

Protection paying medical and wage benefits to employees injured on the job

Protection against claims that an employee benefit plan was administered negligently

What is 'cyber liability' insurance?

Coverage for data breaches, cyberattacks, and related exposures

Coverage for physical damage to computers and servers from fire or theft

Coverage for a software developer's errors in the products it designs

Coverage for the theft of cash and securities by a dishonest employee

What is 'garage liability' insurance?

Liability coverage for businesses that service, sell, or store vehicles

Physical damage coverage for customers' vehicles left in the insured's care

Liability coverage for a homeowner's detached garage and other structures

Liability coverage for businesses that haul goods or passengers for hire

What is 'products liability' insurance?

Coverage for claims arising from injuries or damage caused by products sold or manufactured

Coverage for the cost of withdrawing a defective product from the market before anyone is hurt

Coverage for damage to the insured's own inventory while it is stored in the warehouse

Coverage for claims arising from injuries occurring on the insured's premises during business hours

What is 'completed operations' liability?

Coverage for liability arising from work after it has been completed

Coverage for liability arising from work while it is still in progress at a job site

Coverage for the cost of redoing the insured's own defective work

Coverage for injuries to the insured's employees while finishing a job

What is 'bailee' coverage?

Coverage for damage to property in someone's care, custody, or control

Coverage for the insured's own property while it is loaned to another party

A surety bond guaranteeing a defendant will appear in court when required

Coverage for a landlord's liability for injuries to tenants on the premises

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

100% Free - No Registration Required

North Dakota Property & Casualty Insurance Practice Exam Free - 2026

The North Dakota Insurance Department licenses producers across the state. Use these free practice tests with explanations to master the exam content before you schedule. Access 390+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The North Dakota Property & Casualty exam: 110 questions in 150 minutes; passing score 70%; exam fee $64; administered by PSI; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

390+ Questions

Unlimited Practice

North Dakota Specific

How the North Dakota Property & Casualty exam compares

The North Dakota Property & Casualty exam is 110 questions, 150 minutes, a 70% cut score - separate Property and Casualty exams (figures reflect the Property exam). The examination fee is $64 per exam.

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

North Dakota 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 Dakota 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 North Dakota Insurance Department Candidate Information Bulletin (PSI, 12/27/2024, hosted by insurance.nd.gov) 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 North Dakota selection

North Dakota Property & Casualty Exam Info

Vendor: PSI
Questions: No combined P&C exam. Property (Product and Laws): 110 items, 150 min, $64. Casualty (Product and Laws): 110 items, 150 min, $64 - same passing standard (70%, 77 correct)
Time limit: 150 minutes
Passing: 70% (77 correct of 110)
Exam fee: $64 per exam
Prelicensing: None listed. The bulletin's licensing requirements contain no prelicensing education requirement (only product-specific training for LTC - 8 hrs - and annuity sales, which apply after/for those products, not for exam eligibility).

Verified July 2026 from the North Dakota Insurance Department Candidate Information Bulletin (PSI, 12/27/2024, hosted by insurance.nd.gov). Always confirm with the current official candidate handbook.

North Dakota Insurance Department

More North Dakota 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.

North Dakota 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 Dakota 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 North Dakota

Prepare for multiple insurance licenses in North Dakota

Life Insurance

North Dakota Exam

Health Insurance

North Dakota Exam

Property & Casualty Exams in Nearby States

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

Montana

South Dakota

Minnesota

Official North Dakota Insurance Resources

Important external links for North Dakota insurance licensing information

North Dakota 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.

Ready to Start Practicing?

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

Learn more about exam preparation:

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

North Dakota Property & Casualty Insurance Practice Exam Free - 2026

How the North Dakota Property & Casualty exam compares

Choose Your Practice Mode

North Dakota Property & Casualty Exam Topics

Free North Dakota Property & Casualty Practice Questions with Answers

Question 1: What is 'ocean marine' insurance?

Question 2: What is 'directors and officers' (D&O) liability insurance?

Question 3: What is 'employment practices liability' (EPL) insurance?

Question 4: What is 'cyber liability' insurance?

Question 5: What is 'garage liability' insurance?

Question 6: What is 'products liability' insurance?

Question 7: What is 'completed operations' liability?

Question 8: What is 'bailee' coverage?

Question 9: What is a 'surety bond'?

Question 10: What is a 'fidelity bond'?

Question 11: What is the 'National Flood Insurance Program' (NFIP)?

Question 12: Is flood damage typically covered by standard homeowners policies?

Frequently Asked Questions

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

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Other Insurance Exams in North Dakota

Property & Casualty Exams in Nearby States

Official North Dakota Insurance Resources

Ready to Start Practicing?

Property & Casualty practice tests by state