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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.

How many questions are included in the practice tests?

We offer over 630 practice questions - 180 for Life, 180 for Health, and 270 for Property & Casualty - covering the major topics tested on insurance licensing exams, each with a detailed explanation.

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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.

A waiver of subrogation endorsement usually means the insurer:

agrees not to pursue recovery from a specified party after paying a covered loss

will never investigate any claim

removes the deductible from all losses

guarantees a higher policy limit

A loss payable clause is commonly used to protect the interest of:

a lender or other party with a financial interest in covered property

a life insurance beneficiary only

Why should endorsements be reviewed with the base policy?

endorsement wording can change the meaning of coverage, limits, and exclusions

endorsements are never legally part of the policy

endorsements always broaden coverage without limitation

endorsements only apply to producer exams

A named perils endorsement or form covers losses only when:

the cause of loss is specifically listed as covered

the property is uninsured elsewhere

Which statement about endorsements is most accurate?

They should be read because they can change the original policy wording.

They are always optional advertising pages.

They apply only to life insurance policies.

A contractor damages a customer’s wall while performing work. Which coverage area is most likely involved?

workers compensation wage benefits

life insurance settlement options

A windstorm damages the roof of an insured building. Which coverage area is most directly involved?

professional liability coverage

A store customer slips and is injured on the premises. Which coverage area is most likely involved?

premises liability under general liability coverage

business personal property coverage

life insurance accidental death benefit

A computer consultant’s faulty advice causes a client financial loss but no bodily injury or property damage. Which coverage should be reviewed?

commercial auto physical damage

A restaurant refrigerator breaks down and food spoils. Which coverage combination may be relevant?

equipment breakdown with spoilage coverage

life insurance waiver of premium

A business rents a van for a one-week project. Which commercial auto exposure should be reviewed?

hired auto liability and physical damage needs

professional liability retroactive date

group health coordination of benefits

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South Carolina Property & Casualty Insurance Practice Exam Free - 2026

From Charleston to Greenville, South Carolina's growth is driving demand for licensed producers, all regulated by the South Carolina Department of Insurance. Prepare free here before you book your exam. Access 270+ free Property & Casualty questions with detailed explanations.

270+ Questions

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South Carolina Specific

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South Carolina Property & Casualty Exam Info

Vendor: Pearson VUE
Questions: Combined P&C exam: 140 total (general knowledge 100 scored + 5 pretest, plus South Carolina-specific 30 scored + 5 pretest). Separate Property (80 q) and Casualty (80 q) exams also offered; combination exams score as one and require passing the complete exam
Time limit: Not published in the current handbook
Passing: Scaled score of 70 (0-100 scale)
Exam fee: $59 per examination
Prelicensing: None listed - the handbook's licensing steps include no prelicensing education requirement, and it states 'You do not require approval from the State of South Carolina to take the examination'

Verified July 2026 from the South Carolina Licensing Candidate Handbook (Pearson VUE #125000) + SC Examination Content Outlines #125010 (effective September 2, 2025 / September 15, 2026). Always confirm with the current official candidate handbook.

South Carolina Department of Insurance

More South Carolina Tests

Study Tip

Don't just aim to pass a practice test once - retake it until you score comfortably above your state's passing mark two or three times in a row. Read the explanation after every question, even the ones you get right, to lock in the rule before exam day.

South Carolina Property & Casualty Exam Topics

P&C Insurance Basics

Property Insurance

Liability Insurance

Auto Insurance

Homeowners Insurance

Commercial Insurance

Claims Process

Ethics & Regulations

Free South Carolina Property & Casualty Practice Questions with Answers

12 sample questions from the 270-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 South Carolina

Prepare for multiple insurance licenses in South Carolina

Life Insurance

South Carolina Exam

Health Insurance

South Carolina Exam

Property & Casualty Exams in Nearby States

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

North Carolina

Georgia

Official South Carolina Insurance Resources

Important external links for South Carolina insurance licensing information

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

South Carolina Property & Casualty Insurance Practice Exam Free - 2026

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South Carolina Property & Casualty Exam Topics

Free South Carolina Property & Casualty Practice Questions with Answers

Question 1: A waiver of subrogation endorsement usually means the insurer:

Question 2: A loss payable clause is commonly used to protect the interest of:

Question 3: Why should endorsements be reviewed with the base policy?

Question 4: A named perils endorsement or form covers losses only when:

Question 5: Which statement about endorsements is most accurate?

Question 6: A contractor damages a customer’s wall while performing work. Which coverage area is most likely involved?

Question 7: A windstorm damages the roof of an insured building. Which coverage area is most directly involved?

Question 8: A business employee is injured while performing job duties. Which coverage is most directly designed for that exposure?

Question 9: A store customer slips and is injured on the premises. Which coverage area is most likely involved?

Question 10: A computer consultant’s faulty advice causes a client financial loss but no bodily injury or property damage. Which coverage should be reviewed?

Question 11: A restaurant refrigerator breaks down and food spoils. Which coverage combination may be relevant?

Question 12: A business rents a van for a one-week project. Which commercial auto exposure should be reviewed?

Frequently Asked Questions

How many questions are on the South Carolina Property & Casualty exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the South Carolina insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in South Carolina

Property & Casualty Exams in Nearby States

Official South Carolina Insurance Resources

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Property & Casualty practice tests by state