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.

Business personal property coverage commonly applies to which item?

Inventory, furniture, and equipment owned by the business

The owner's personal vacation home only

The owner's private life insurance policy

A customer's medical expenses under health insurance

Business income coverage is generally intended to replace what after a covered property loss?

Lost net income and certain continuing expenses during restoration

The cost to repair or rebuild the damaged building and replace its contents

Gross revenue the business would have earned for the full policy term

Extra costs incurred to keep operating at a temporary location

Extra expense coverage is designed to pay which type of cost?

Necessary expenses to reduce or avoid a business interruption after a covered loss

The net income the business loses while operations are suspended after a covered loss

Ordinary operating expenses the business would have incurred even without a loss

The increased cost to rebuild a damaged building to meet current building codes

A builders risk policy is most often used to cover what?

Directors and officers liability only

Private passenger auto liability

A causes of loss form helps determine what?

Which perils or causes of loss are covered or excluded

The dollar limits of insurance shown on the declarations page

What types of property are covered at the described premises

How the value of damaged property is determined at settlement

A vacancy condition in commercial property insurance is important because vacancy can do what?

Increase loss risk and restrict or reduce coverage under policy conditions

Trigger an automatic premium refund for each month the building sits unoccupied

Void the policy immediately on the first day the building becomes vacant

Shift the coinsurance requirement from the insured to the mortgageholder

Coinsurance in commercial property insurance encourages the insured to do what?

Carry insurance close to the required percentage of the property's value

Share every covered loss with the insurer on a fixed percentage basis

Insure the property for its full market value rather than replacement cost

Select the highest available deductible to keep premiums as low as possible

Commercial general liability insurance is primarily designed to cover which exposure?

Business liability for covered bodily injury, property damage, and certain personal and advertising injury claims

Professional liability for errors, omissions, and negligent advice by the insured in its trade or occupation

Direct physical damage to the insured's own buildings, business personal property, and stock from covered perils

Liability for bodily injury to the insured's own employees arising out of and in the course of their employment

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

Bodily injury and property damage liability

Personal and advertising injury liability

Medical payments regardless of fault

Damage to the insured's own premises and stock

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

Personal and advertising injury liability

Bodily injury and property damage liability

Medical payments without regard to fault

Products-completed operations liability

In a CGL policy, Coverage C usually provides what?

Medical payments for certain injuries without regard to legal liability

Medical payments for the insured's own employees injured on the premises

Defense costs for personal and advertising injury suits within the limits

Bodily injury damages the insured becomes legally obligated to pay to others

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

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

A customer trips over stock while shopping inside the insured's store

A defective product must be withdrawn from the market before anyone is hurt

A subcontractor damages a client's floor while work is still in progress

100% Free - No Registration Required

Oregon Property & Casualty Insurance Practice Exam Free - 2026

The Oregon Division of Financial Regulation oversees producer licensing statewide. Practice the national exam content free here - no registration, unlimited attempts, every answer explained. Access 330+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Oregon Property & Casualty exam: 150 questions in 160 minutes; passing score 70%; exam fee $55; administered by PSI; 20-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

330+ Questions

Unlimited Practice

Oregon Specific

How the Oregon Property & Casualty exam compares

The Oregon Property & Casualty exam is 150 questions, 160 minutes, a 70% cut score - combined Property & Casualty exam. The examination fee is $55 combined.

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

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 PSI State of Oregon Candidate Information Bulletin (hosted by Oregon Division of Financial Regulation) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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Oregon Property & Casualty Exam Info

Vendor: PSI
Questions: Property and Casualty (Includes Law), Series 12-04: 150 questions, 2 hours 40 minutes; separate Property (12-12) and Casualty (12-13) exams at $45 each are also offered
Time limit: 160 minutes
Passing: 70% correct to pass
Exam fee: $55 combined; $45 single-line
Prelicensing: Required: 20 hours per line - Life 20, Health 20, Property 20, Casualty 20 (waivers for CLU applying for Life/Health and CPCU applying for P&C).

Verified July 2026 from the PSI State of Oregon Candidate Information Bulletin (hosted by Oregon Division of Financial Regulation). Always confirm with the current official candidate handbook.

Oregon Division of Financial Regulation

More Oregon 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.

Oregon 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 Oregon Property & Casualty Practice Questions with Answers

12 sample questions from the 330-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 Oregon

Prepare for multiple insurance licenses in Oregon

Life Insurance

Oregon Exam

Health Insurance

Oregon Exam

Property & Casualty Exams in Nearby States

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

Official Oregon Insurance Resources

Important external links for Oregon insurance licensing information

Oregon Division of Financial Regulation

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

Oregon Property & Casualty Insurance Practice Exam Free - 2026

How the Oregon Property & Casualty exam compares

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Oregon Property & Casualty Exam Topics

Free Oregon Property & Casualty Practice Questions with Answers

Question 1: Business personal property coverage commonly applies to which item?

Question 2: Business income coverage is generally intended to replace what after a covered property loss?

Question 3: Extra expense coverage is designed to pay which type of cost?

Question 4: A builders risk policy is most often used to cover what?

Question 5: A causes of loss form helps determine what?

Question 6: A vacancy condition in commercial property insurance is important because vacancy can do what?

Question 7: Coinsurance in commercial property insurance encourages the insured to do what?

Question 8: Commercial general liability insurance is primarily designed to cover which exposure?

Question 9: In a CGL policy, Coverage A most commonly applies to what?

Question 10: In a CGL policy, Coverage B is commonly associated with what?

Question 11: In a CGL policy, Coverage C usually provides what?

Question 12: Products-completed operations coverage is most relevant to which situation?

Frequently Asked Questions

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

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Other Insurance Exams in Oregon

Property & Casualty Exams in Nearby States

Official Oregon Insurance Resources

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Property & Casualty practice tests by state