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.

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

life insurance settlement options

workers compensation wage benefits

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

medical payments under the business auto policy

workers compensation medical benefits coverage

products-completed operations liability coverage under the CGL

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

business income with an ordinance or law endorsement

commercial property with fire legal liability

products liability with a recall expense endorsement

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

hired auto liability and physical damage needs

non-owned auto coverage for employee vehicles

garagekeepers legal liability for customer vehicles

uninsured motorist coverage on the owned fleet

A policy excludes flood, but the insured suffers flood damage to a building. What is the likely coverage concern?

the loss may require separate flood coverage

the claim must be paid under auto liability

the exclusion automatically becomes invalid

A business has property at multiple locations. Why are location schedules important?

coverage and limits may apply differently by listed location

they extend coverage to any newly acquired location for a full year

they eliminate the coinsurance requirement for scheduled locations

they allow the insured to move limits between locations after a loss

Why might a contractor need both CGL and inland marine coverage?

CGL addresses liability claims, while inland marine may cover tools or equipment in transit or at job sites

CGL covers tools and equipment at job sites, while inland marine addresses liability for injury to others

CGL covers work performed on the premises, while inland marine covers liability arising off the premises

CGL covers the contractor's own building and contents, while inland marine covers vehicles used on the job

A claims-made liability policy is canceled without replacement. What should the insured consider?

an extended reporting period if available

adding comprehensive auto coverage to a personal car

naming a life insurance beneficiary

changing the building deductible

A blanket insurance limit is best described as a limit that may apply:

over more than one item or location, depending on policy wording

to one specifically described item at a stated insurance amount

to all locations, but at no more than the value of any one

to property away from the premises for a stated period of days

100% Free - No Registration Required

Vermont Property & Casualty Insurance Practice Exam Free - 2026

The Vermont Department of Financial Regulation licenses producers across the Green Mountain State. These free practice tests cover the national exam content with an explanation for every question. Access 330+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Vermont Property & Casualty exam: 155 questions in 150 minutes; passing score not published by the state; exam fee $87; administered by Prometric; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

330+ Questions

Unlimited Practice

Vermont Specific

How the Vermont Property & Casualty exam compares

The Vermont Property & Casualty exam is 155 questions, 150 minutes - combined Property & Casualty exam. The examination fee is $87 per current registration form.

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

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 Vermont Licensing Information Bulletin (Vermont DFR / Prometric), effective as of March 18, 2026 and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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 Vermont selection

Vermont Property & Casualty Exam Info

Vendor: Prometric
Questions: Combined P&C (Series 14-31): 150 scored questions plus 5 unscored items; separate Series 14-41 Producer's Property and 14-42 Producer's Casualty exams also exist, each 100 scored + 5 unscored, 120 min
Time limit: 150 minutes
Passing: Passing score not published; bulletin notes the combination P&C exam results are reflected in one final score and you must pass the complete examination
Exam fee: $87 per current registration form (combined 14-31); older form in same PDF shows $67.60
Prelicensing: No prelicensing education requirement for producers - the official bulletin's licensing-requirements chart lists only passing the exam for Life, Accident & Health, and P&C producer lines (education/experience requirements apply only to adjusters, appraisers, and surplus lines brokers)

Verified July 2026 from the Vermont Licensing Information Bulletin (Vermont DFR / Prometric), effective as of March 18, 2026. Always confirm with the current official candidate handbook.

Vermont Department of Financial Regulation

More Vermont 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.

Vermont 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 Vermont 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 Vermont

Prepare for multiple insurance licenses in Vermont

Life Insurance

Vermont Exam

Health Insurance

Vermont Exam

Property & Casualty Exams in Nearby States

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

New Hampshire

Massachusetts

New York

Official Vermont Insurance Resources

Important external links for Vermont insurance licensing information

Vermont Department 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.

Ready to Start Practicing?

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

Learn more about exam preparation:

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

Vermont Property & Casualty Insurance Practice Exam Free - 2026

How the Vermont Property & Casualty exam compares

Choose Your Practice Mode

Vermont Property & Casualty Exam Topics

Free Vermont Property & Casualty Practice Questions with Answers

Question 1: A contractor damages a customer's wall while performing work. Which coverage area is most likely involved?

Question 2: A windstorm damages the roof of an insured building. Which coverage area is most directly involved?

Question 3: A business employee is injured while performing job duties. Which coverage is most directly designed for that exposure?

Question 4: A store customer slips and is injured on the premises. Which coverage area is most likely involved?

Question 5: A computer consultant's faulty advice causes a client financial loss but no bodily injury or property damage. Which coverage should be reviewed?

Question 6: A restaurant refrigerator breaks down and food spoils. Which coverage combination may be relevant?

Question 7: A business rents a van for a one-week project. Which commercial auto exposure should be reviewed?

Question 8: A policy excludes flood, but the insured suffers flood damage to a building. What is the likely coverage concern?

Question 9: A business has property at multiple locations. Why are location schedules important?

Question 10: Why might a contractor need both CGL and inland marine coverage?

Question 11: A claims-made liability policy is canceled without replacement. What should the insured consider?

Question 12: A blanket insurance limit is best described as a limit that may apply:

Frequently Asked Questions

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

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Other Insurance Exams in Vermont

Property & Casualty Exams in Nearby States

Official Vermont Insurance Resources

Ready to Start Practicing?

Property & Casualty practice tests by state