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 a 'payment bond'?

A surety bond guaranteeing a contractor will pay subcontractors and suppliers

A surety bond guaranteeing the project owner will pay the contractor on schedule

A surety bond guaranteeing a contractor will finish the project as specified

A surety bond guaranteeing a contractor will enter into the contract once the bid is awarded

What is a 'bid bond'?

A surety bond guaranteeing a contractor will enter into a contract if awarded the bid

A surety bond guaranteeing the contractor will complete the work according to the contract

A surety bond guaranteeing the owner will award the contract to the lowest responsible bidder

A surety bond guaranteeing the contractor will pay all subcontractors and material suppliers

What is 'subrogation' in insurance?

The insurer's right to pursue a third party responsible for a loss after paying the claim

The insured's right to sue the insurer for bad faith after a claim is denied

The insurer's right to cancel a policy after paying a claim to a third party

The insured's right to recover from the responsible party before the insurer pays

What is the main purpose of Coverage C in a homeowners policy?

To insure personal property owned or used by an insured

To insure detached structures such as a garage or shed

To insure the dwelling and structures attached to it

To pay additional living expenses when the home is unfit to live in

A homeowners policy includes Coverage D. What does this coverage usually address?

Loss of use or additional living expense

Damage to other structures on the premises

Medical payments to injured guests

Personal liability for injury to others

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

100% Free - No Registration Required

Rhode Island Property & Casualty Insurance Practice Exam Free - 2026

The Rhode Island Insurance Division licenses producers across the Ocean State. Practice in short free sessions with instant explanations - ideal preparation around work or classes. Access 390+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Rhode Island Property & Casualty exam: 87 questions in 120 minutes; passing score 70 (scaled); exam fee $80; administered by Pearson VUE; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

390+ Questions

Unlimited Practice

Rhode Island Specific

How the Rhode Island Property & Casualty exam compares

The Rhode Island Property & Casualty exam is 87 questions, 120 minutes - separate Property and Casualty exams (figures reflect the Property exam). The examination fee is $80 per exam.

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

Rhode Island 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 - Rhode Island 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 Rhode Island Department of Business Regulation Insurance Licensing Candidate Handbook (Pearson VUE #124000, rev 05/2026; outlines effective 5/28/2026) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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Simulate the real exam experience with timed questions

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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
5-150 questions, timed or untimed
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Rhode Island Property & Casualty Exam Info

Vendor: Pearson VUE
Questions: No combined P&C producer exam. Property Producer: General 50+5 pretest plus RI-specific 26 scored + 6 pretest = 87 questions / 120 min. Casualty Producer: General 50+5 plus RI-specific 32 scored + 6 pretest = 93 questions / 120 min
Time limit: 120 minutes
Passing: 70 (scaled score)
Exam fee: $80 per exam
Prelicensing: None listed. Handbook licensure steps are exam + application only; DBR insurance-professionals pages list only continuing education requirements - no prelicensing education requirement found.

Verified July 2026 from the Rhode Island Department of Business Regulation Insurance Licensing Candidate Handbook (Pearson VUE #124000, rev 05/2026; outlines effective 5/28/2026). Always confirm with the current official candidate handbook.

Rhode Island Insurance Division

More Rhode Island 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.

Rhode Island 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 Rhode Island 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 Rhode Island

Prepare for multiple insurance licenses in Rhode Island

Life Insurance

Rhode Island Exam

Health Insurance

Rhode Island Exam

Property & Casualty Exams in Nearby States

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

Massachusetts

Connecticut

Official Rhode Island Insurance Resources

Important external links for Rhode Island insurance licensing information

Rhode Island Insurance Division

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

Rhode Island Property & Casualty Insurance Practice Exam Free - 2026

How the Rhode Island Property & Casualty exam compares

Choose Your Practice Mode

Rhode Island Property & Casualty Exam Topics

Free Rhode Island Property & Casualty Practice Questions with Answers

Question 1: What is a 'payment bond'?

Question 2: What is a 'bid bond'?

Question 3: What is 'subrogation' in insurance?

Question 4: In a standard homeowners policy, which coverage is primarily intended for the dwelling itself?

Question 5: Which homeowners coverage usually applies to a detached garage on the residence premises?

Question 6: What is the main purpose of Coverage C in a homeowners policy?

Question 7: A homeowners policy includes Coverage D. What does this coverage usually address?

Question 8: Which homeowners coverage part is most closely tied to personal liability claims against an insured?

Question 9: Coverage F in a homeowners policy is commonly designed to pay which type of claim?

Question 10: Which loss is commonly excluded or limited under many homeowners policies unless additional coverage is purchased?

Question 11: A scheduled personal property endorsement is most often used to do what?

Question 12: Which valuation approach pays the cost to replace damaged property with new property of like kind and quality, without deducting for depreciation?

Frequently Asked Questions

How many questions are on the Rhode Island Property & Casualty exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the Rhode Island insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in Rhode Island

Property & Casualty Exams in Nearby States

Official Rhode Island Insurance Resources

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Property & Casualty practice tests by state