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.

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

The premises and operations hazard in CGL coverage generally relates to what?

Liability arising from the insured's premises or ongoing business operations

Liability arising from the insured's products after they have left its hands

Direct damage to the insured's own building and contents at the described premises

Liability for injuries to the insured's employees while working on the premises

Which claim is most likely excluded by a standard CGL policy and handled by workers compensation instead?

An employee is injured while performing job duties

A visitor's property is damaged by negligence

A product injures a buyer after sale

Which CGL exclusion is designed to prevent the policy from becoming a warranty for the insured's own faulty work?

The personal auto exclusion only

Workers compensation insurance is designed mainly to cover what?

Job-related employee injuries or occupational disease benefits required by law

Lawsuits by customers injured on the employer's premises or by its products

Employee injuries that occur off the job, such as at home or on vacation

Employer's defense costs for wrongful termination and discrimination suits

Employer's liability coverage in a workers compensation policy generally protects the employer against what?

Certain lawsuits by employees or related parties not fully covered by workers compensation benefits

The statutory medical and wage benefits owed to injured employees under workers compensation law

Lawsuits by customers or other members of the public who are injured by the employer's operations

Claims that the employer wrongfully terminated, harassed, or discriminated against an employee

100% Free - No Registration Required

Tennessee Property & Casualty Insurance Practice Exam Free - 2026

Nashville's booming economy needs licensed producers, and the Tennessee Department of Commerce and Insurance sets the exam standard. Free unlimited practice with explanations gets you there. Access 390+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Tennessee Property & Casualty exam: 77 questions (68 scored) in 105 minutes; passing score 70 (scaled); exam fee $55; administered by Pearson VUE; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

390+ Questions

Unlimited Practice

Tennessee Specific

How the Tennessee Property & Casualty exam compares

The Tennessee Property & Casualty exam is 77 questions, 105 minutes - separate Property and Casualty exams (figures reflect the Property exam). The examination fee is $55 each ($55 Property + $55 Casualty.

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

Tennessee 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 - Tennessee 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 Tennessee Insurance Licensing Candidate Handbook, July 2025 (#124300, rev 10/2025), Pearson VUE and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

The Tennessee Property & Casualty producer exam: general and state parts

Tennessee splits the Property & Casualty licensing exam into a general (national) part and a state-specific part on Tennessee law: Separate Property and Casualty exams. Each: 50 scored + 5 pretest (general) plus 18 scored + 4 pretest (TN state law) = 68 scored + 9 pretest per exam; numeric fields below are the Property exam (Casualty is identical). Time limit: 105 minutes. Passing: 70 scaled score per exam (0-100 scale). The general part is what the practice tests on this page drill - policy types, provisions and riders, underwriting, and federal rules - while the state part comes from Tennessee's own statutes and regulations, listed in the official content outline.

Candidates who pass the general part but fail the state part usually studied a national textbook and skipped their state's law chapter. Read the outline's state section, note every statute it cites, and confirm the details with the Tennessee Department of Commerce and Insurance.

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 Tennessee selection

Tennessee Property & Casualty Exam Info

Vendor: Pearson VUE
Questions: Separate Property and Casualty exams. Each: 50 scored + 5 pretest (general) plus 18 scored + 4 pretest (TN state law) = 68 scored + 9 pretest per exam; numeric fields below are the Property exam (Casualty is identical)
Time limit: 105 minutes
Passing: 70 scaled score per exam (0-100 scale)
Exam fee: $55 each ($55 Property + $55 Casualty; booked together as one order $80)
Prelicensing: None. The official handbook's licensure process lists no prelicensing education step (only exam, fingerprint background check, application); TN eliminated its prelicensing education requirement effective March 2023.

Verified July 2026 from the Tennessee Insurance Licensing Candidate Handbook, July 2025 (#124300, rev 10/2025), Pearson VUE. Always confirm with the current official candidate handbook.

Tennessee Department of Commerce and Insurance

More Tennessee 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.

Tennessee 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 Tennessee 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 Tennessee

Prepare for multiple insurance licenses in Tennessee

Life Insurance

Tennessee Exam

Health Insurance

Tennessee Exam

Property & Casualty Exams in Nearby States

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

Official Tennessee Insurance Resources

Important external links for Tennessee insurance licensing information

Tennessee Department of Commerce and 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.

Ready to Start Practicing?

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

Learn more about exam preparation:

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

Tennessee Property & Casualty Insurance Practice Exam Free - 2026

How the Tennessee Property & Casualty exam compares

The Tennessee Property & Casualty producer exam: general and state parts

Choose Your Practice Mode

Tennessee Property & Casualty Exam Topics

Free Tennessee Property & Casualty Practice Questions with Answers

Question 1: A vacancy condition in commercial property insurance is important because vacancy can do what?

Question 2: Coinsurance in commercial property insurance encourages the insured to do what?

Question 3: Commercial general liability insurance is primarily designed to cover which exposure?

Question 4: In a CGL policy, Coverage A most commonly applies to what?

Question 5: In a CGL policy, Coverage B is commonly associated with what?

Question 6: In a CGL policy, Coverage C usually provides what?

Question 7: Products-completed operations coverage is most relevant to which situation?

Question 8: The premises and operations hazard in CGL coverage generally relates to what?

Question 9: Which claim is most likely excluded by a standard CGL policy and handled by workers compensation instead?

Question 10: Which CGL exclusion is designed to prevent the policy from becoming a warranty for the insured's own faulty work?

Question 11: Workers compensation insurance is designed mainly to cover what?

Question 12: Employer's liability coverage in a workers compensation policy generally protects the employer against what?

Frequently Asked Questions

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

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Is the Tennessee Property & Casualty producer exam one test or two?

Other Insurance Exams in Tennessee

Property & Casualty Exams in Nearby States

Official Tennessee Insurance Resources

Ready to Start Practicing?

Property & Casualty practice tests by state