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.

Salvage in property insurance commonly refers to:

damaged property that has remaining value after a loss

the amount recovered from a negligent third party

property the insured abandons to the insurer for full payment

the deductible the insured absorbs before payment

Why is documentation important after a property loss?

it helps support the amount, cause, and details of the claim

it waives the insured's duty to protect property from further damage

it is required before the insurer may inspect the damaged property

it obligates the insurer to accept the insured's valuation of the loss

An adjuster's main role in the claims process is to:

investigate, evaluate, and help resolve claims

decide whether the policy will be renewed at expiration

act as the insurer's attorney in coverage litigation

calculate premiums and rate classifications for the insurer

A deductible is the amount that:

the insured usually pays or absorbs before insurance payment applies

the insurer subtracts from each premium as an underwriting fee

the insured pays above the policy limit when a loss exceeds it

the insurer withholds from the settlement until the salvage is sold

An endorsement is used to:

add to, remove, or change policy terms

bind coverage until the policy is issued

summarize the policy's key terms for the insured

record the insured's premium payment history

A scheduled personal property endorsement is often used to:

provide specific coverage for valuable items such as jewelry or fine arts

extend the dwelling limit to cover detached structures on the premises

provide liability coverage for injuries caused by the insured's pets

cover business personal property the insured keeps at a separate business location

An additional insured endorsement generally:

adds another party as an insured for specified coverage purposes

names a second party to receive claim payments for damaged property

transfers the policy to a new owner with the insurer's consent

designates a party the insurer agrees not to pursue in subrogation

A waiver of subrogation endorsement usually means the insurer:

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

extends insured status to a specified party for claims arising from the insured's work

agrees to pay a specified party directly before the named insured receives any payment

gives up its right to cancel the policy while the specified party holds an interest

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 contractor doing work for the insured under a written agreement

a tenant who occupies part of the insured building under a lease

an employee who is injured while using the insured's equipment

Why should endorsements be reviewed with the base policy?

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

the base policy wording overrides any endorsement that conflicts with it

endorsements expire at the first renewal unless they are re-signed

endorsements bind the insurer but do not bind the insured who accepted them

A named perils endorsement or form covers losses only when:

the cause of loss is specifically listed as covered

the cause of loss is not specifically listed as excluded

the loss exceeds the deductible stated in the schedule

the cause of loss is both sudden and accidental in nature

100% Free - No Registration Required

Utah Property & Casualty Insurance Practice Exam Free - 2026

Salt Lake City's financial sector keeps demand for licensed producers high, with the Utah Insurance Department overseeing exams. Practice free here until the content feels familiar. Access 330+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Utah Property & Casualty exam: 150 questions in 150 minutes; passing score not published by the state; exam fee $44; administered by Prometric; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

330+ Questions

Unlimited Practice

Utah Specific

How the Utah Property & Casualty exam compares

The Utah Property & Casualty exam is 150 questions, 150 minutes - combined Property & Casualty exam. The examination fee is $44 combined.

Testing is through Prometric, now the least common of the three national vendors - worth checking seat availability early.

Utah 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.

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 Utah Insurance Department Licensing Information Bulletin, effective on and after September 25, 2025 (published by Prometric) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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Utah Property & Casualty Exam Info

Vendor: Prometric
Questions: Producer's Combined Property and Casualty Exam (Series 17-04): 150 questions, 2.5-hour limit, $44. Utah ALSO offers separate single-line exams: Producer's Property (17-22) and Producer's Casualty (17-23), each 100 questions / 2 hours / $32. Numeric fields here are the combined P&C exam.
Time limit: 150 minutes
Passing: Passing score not published in the official bulletin
Exam fee: $44 combined ($32 each for separate Property or Casualty exams)
Prelicensing: None. insurance.utah.gov (Exam & Licensing Procedures page, https://insurance.utah.gov/licensees/producers/exam/) states Utah has no pre-licensing requirements; the bulletin states the Department does not require a training course before the exam.

Verified July 2026 from the Utah Insurance Department Licensing Information Bulletin, effective on and after September 25, 2025 (published by Prometric). Always confirm with the current official candidate handbook.

Utah Insurance Department

More Utah 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.

Utah 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 Utah 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 Utah

Prepare for multiple insurance licenses in Utah

Life Insurance

Utah Exam

Health Insurance

Utah Exam

Property & Casualty Exams in Nearby States

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

Official Utah Insurance Resources

Important external links for Utah insurance licensing information

Utah Insurance Department

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

Utah Property & Casualty Insurance Practice Exam Free - 2026

How the Utah Property & Casualty exam compares

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Utah Property & Casualty Exam Topics

Free Utah Property & Casualty Practice Questions with Answers

Question 1: An insurer pays the insured for damage caused by a negligent third party and then seeks recovery from that party. This is an example of:

Question 2: Salvage in property insurance commonly refers to:

Question 3: Why is documentation important after a property loss?

Question 4: An adjuster's main role in the claims process is to:

Question 5: A deductible is the amount that:

Question 6: An endorsement is used to:

Question 7: A scheduled personal property endorsement is often used to:

Question 8: An additional insured endorsement generally:

Question 9: A waiver of subrogation endorsement usually means the insurer:

Question 10: A loss payable clause is commonly used to protect the interest of:

Question 11: Why should endorsements be reviewed with the base policy?

Question 12: A named perils endorsement or form covers losses only when:

Frequently Asked Questions

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

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Other Insurance Exams in Utah

Property & Casualty Exams in Nearby States

Official Utah Insurance Resources

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Property & Casualty practice tests by state