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.

An Ohio employer has paid all required premiums into the state insurance fund. An employee is injured on the job. What is the effect on the employer's liability?

The employer is not liable to respond in damages at common law or by statute for the injury

The employer remains liable at common law for any condition not compensable under Chapter 4123

The employer is liable only for damages exceeding the benefits the employee receives

The employer's liability is capped at the amount of premium it paid during the year of injury

How does Ohio law treat uninsured and underinsured motorist coverage in an automobile liability policy?

It may be included, but the insurer is not required to include or offer it

The insurer must offer it and obtain a written rejection to omit it

It must be included in every policy at limits equal to the liability limits

It must be included unless the named insured carries qualified health coverage

What are Ohio's minimum motor vehicle financial responsibility limits?

$25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage

$15,000 per person, $30,000 per accident for bodily injury, and $10,000 for property damage

$50,000 per person, $100,000 per accident for bodily injury, and $25,000 for property damage

$30,000 per person, $60,000 per accident for bodily injury, and $20,000 for property damage

Which of the following is a permitted reason for an Ohio insurer to cancel an automobile insurance policy in the middle of the policy period?

The named insured's driver's license has been suspended, revoked, or has expired

The insured has filed two comprehensive claims in the past year

The insurer has decided to withdraw from writing personal auto in that territory

The insured's annual mileage has increased substantially since the policy was issued

Coverage F in a homeowners policy is commonly designed to pay which type of claim?

Medical payments to others without requiring legal liability

Damage to the insured's automobile

Replacement of the insured's own roof after wear and tear

The insured's business payroll after a fire

Which loss is commonly excluded or limited under many homeowners policies unless additional coverage is purchased?

Smoke damage from a covered fire

Fire damage to covered property

A scheduled personal property endorsement is most often used to do what?

Provide broader or higher-limit coverage for specifically listed valuable items

Increase the Coverage C limit for all personal property in the home by a set percentage

Extend the dwelling coverage to a detached structure used for business

Add replacement cost settlement to all personal property in the home

In personal auto insurance, bodily injury liability coverage is primarily designed to pay for what?

Injuries to others for which the insured is legally liable

Injuries to the insured and passengers regardless of who is at fault

Damage to the insured's own vehicle from a collision

Injuries to the insured caused by a driver who has no insurance

Property damage liability in an auto policy most directly applies to which situation?

The insured damages another person's vehicle in a covered accident

The insured needs roadside assistance

The insured wants a lower deductible

Collision coverage in a personal auto policy generally covers which type of loss?

Damage to the covered auto from impact with another vehicle or object

Damage to another person's vehicle that the insured strikes

Damage to the covered auto from hail, flood, or contact with animals

Bodily injury to the insured's passengers regardless of fault

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Ohio Property & Casualty Insurance Practice Exam Free - 2026

Columbus, Cleveland, and Cincinnati anchor a major insurance employment market regulated by the Ohio Department of Insurance. Ohio's PSI exams are very passable with preparation - start with a free mock exam now. Access 346+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Ohio Property & Casualty exam: 150 questions in 150 minutes; passing score 70%; exam fee $49; administered by PSI; 20-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

346+ Questions

Unlimited Practice

Ohio Specific

How the Ohio Property & Casualty exam compares

The Ohio Property & Casualty exam is 150 questions, 150 minutes, a 70% cut score - combined P&C exam (Series 11-36), with separate Property (11-46) and Casualty (11-47) options. The examination fee is $49 per examination.

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

Because a large share of the real exam is Ohio law, this practice bank includes 16 questions written specifically on Ohio 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 Ohio DOI / PSI Candidate Handbook and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

Choose Your Practice Mode

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Simulate the real exam experience with timed questions

Timed test
50-150 questions
No answer hints

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Instant feedback
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Study all questions with answers visible

All answers shown
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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
5-150 questions, timed or untimed
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Ohio Property & Casualty Exam Info

Vendor: PSI Services
Questions: 150 questions combined (Property-only: 100)
Time limit: 150 minutes combined (120 for Property exam)
Passing: 70% minimum
Exam fee: $49 per examination
Prelicensing: 20 hours per major line (40 for both)

Verified July 2026 from the Ohio DOI / PSI Candidate Handbook. Always confirm with the current official candidate handbook.

Ohio Department of Insurance

More Ohio Tests

Study Tip

Spread practice across several days instead of one long session. Short, repeated sessions with explanations beat cramming for vocabulary-heavy insurance exams.

Ohio 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 Ohio Property & Casualty Practice Questions with Answers

12 sample questions from the 346-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 Ohio

Prepare for multiple insurance licenses in Ohio

Life Insurance

Ohio Exam

Health Insurance

Ohio Exam

Property & Casualty Exams in Nearby States

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

Official Ohio Insurance Resources

Important external links for Ohio insurance licensing information

Ohio 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 Ohio Property & Casualty exam preparation today.

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

Ohio Property & Casualty Insurance Practice Exam Free - 2026

How the Ohio Property & Casualty exam compares

Choose Your Practice Mode

Ohio Property & Casualty Exam Topics

Free Ohio Property & Casualty Practice Questions with Answers

Question 1: An Ohio employer has paid all required premiums into the state insurance fund. An employee is injured on the job. What is the effect on the employer's liability?

Question 2: How does Ohio law treat uninsured and underinsured motorist coverage in an automobile liability policy?

Question 3: What are Ohio's minimum motor vehicle financial responsibility limits?

Question 4: Which of the following is a permitted reason for an Ohio insurer to cancel an automobile insurance policy in the middle of the policy period?

Question 5: Coverage F in a homeowners policy is commonly designed to pay which type of claim?

Question 6: Which loss is commonly excluded or limited under many homeowners policies unless additional coverage is purchased?

Question 7: A scheduled personal property endorsement is most often used to do what?

Question 8: Which valuation approach pays the cost to replace damaged property with new property of like kind and quality, without deducting for depreciation?

Question 9: Actual cash value is commonly described as replacement cost minus what?

Question 10: In personal auto insurance, bodily injury liability coverage is primarily designed to pay for what?

Question 11: Property damage liability in an auto policy most directly applies to which situation?

Question 12: Collision coverage in a personal auto policy generally covers which type of loss?

Frequently Asked Questions

How many questions are on the Ohio Property & Casualty exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the Ohio insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in Ohio

Property & Casualty Exams in Nearby States

Official Ohio Insurance Resources

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Property & Casualty practice tests by state