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.

BOP liability coverage generally protects the insured against covered claims for:

bodily injury, property damage, and personal/advertising injury

employee injuries arising in the course of employment

damage to the insured's own building, stock, and equipment

professional errors and omissions in services to clients

Which business may be less likely to qualify for a standard BOP without special underwriting?

a high-hazard manufacturing operation

A BOP usually does not replace the need for which separate coverage?

workers compensation when employees are subject to workers compensation law

business income coverage when the premises are shut down by a covered loss

general liability coverage for slip-and-fall claims by customers on the premises

business personal property coverage for stock and equipment at the premises

The property section of a BOP is most directly concerned with:

covered buildings and business personal property

the insured's liability to customers and guests

employee injuries and occupational diseases

the insured's owned and hired business vehicles

An endorsement added to a BOP is used to:

modify coverage, limits, conditions, or exclusions

cancel the policy and issue a replacement contract

restate the declarations without changing coverage

summarize the policy's key terms for the insured's records

Why should a business review BOP exclusions carefully?

some exposures may require separate policies or endorsements

exclusions are automatically waived when a claim is filed on time

exclusions determine the premium refund on early cancellation

excluded losses are still paid, but at actual cash value

Farm insurance is designed to address exposures related to:

farm property and farm liability risks

federally subsidized crop yield guarantees

personal auto and recreational vehicle risks

commercial trucking and cargo hauling risks

A farm policy may combine elements similar to homeowners and commercial coverage because a farm often includes:

both residence and business/agricultural exposures

only personal umbrella coverage

only employee retirement benefits

Farm personal property coverage may be used for items such as:

farm machinery, equipment, and supplies

a tenant's health insurance deductible

the insured's life insurance cash value

Why is livestock coverage usually reviewed carefully in a farm policy?

coverage may depend on causes of loss, limits, schedules, and exclusions

livestock is valued at replacement cost with no per-head limit under the standard form

livestock losses are covered while the animals are inside an insured building, not in pasture

livestock is covered for death from natural causes and old age under basic perils

A farm liability coverage part generally addresses:

covered bodily injury or property damage claims arising from farm operations

damage to the farmer's own machinery and equipment caused by a covered peril

injuries to farm employees that are subject to the state workers compensation law

losses of livestock and crops caused by disease, drought, or flooding

100% Free - No Registration Required

Virginia Property & Casualty Insurance Practice Exam Free - 2026

Virginia producers are licensed through the State Corporation Commission's Bureau of Insurance. From Northern Virginia to Hampton Roads, take free practice exams here before scheduling the real one. Access 390+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Virginia Property & Casualty exam: 145 questions (135 scored) in 150 minutes; passing score not published by the state; exam fee $35; administered by Prometric; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

390+ Questions

Unlimited Practice

Virginia Specific

How the Virginia Property & Casualty exam compares

The Virginia Property & Casualty exam is 145 questions, 150 minutes - combined Property & Casualty exam. The examination fee is $35.

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

Virginia 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 Virginia Insurance Licensing Information Bulletin (Virginia Bureau of Insurance / Prometric), effective as of December 13, 2024 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 Virginia selection

Virginia Property & Casualty Exam Info

Vendor: Prometric
Questions: 135 scored + 10 pretest questions (Series 11-03 VA Property & Casualty Exam - one combined exam; no separate Property or Casualty exams offered)
Time limit: 150 minutes
Passing: Numeric passing score not published in the CIB or content outline
Exam fee: $35
Prelicensing: None for Life, Health, or P&C - the CIB requires only passing the exam for the five agent license types; a prelicensing education certification (16 classroom hours) exists only for Title insurance

Verified July 2026 from the Virginia Insurance Licensing Information Bulletin (Virginia Bureau of Insurance / Prometric), effective as of December 13, 2024. Always confirm with the current official candidate handbook.

Virginia Bureau of Insurance

More Virginia 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.

Virginia 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 Virginia 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 Virginia

Prepare for multiple insurance licenses in Virginia

Life Insurance

Virginia Exam

Health Insurance

Virginia Exam

Property & Casualty Exams in Nearby States

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

Official Virginia Insurance Resources

Important external links for Virginia insurance licensing information

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

Learn more about exam preparation:

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

Virginia Property & Casualty Insurance Practice Exam Free - 2026

How the Virginia Property & Casualty exam compares

Choose Your Practice Mode

Virginia Property & Casualty Exam Topics

Free Virginia Property & Casualty Practice Questions with Answers

Question 1: A restaurant loses income after a covered fire closes the business during repairs. Which BOP coverage may respond?

Question 2: BOP liability coverage generally protects the insured against covered claims for:

Question 3: Which business may be less likely to qualify for a standard BOP without special underwriting?

Question 4: A BOP usually does not replace the need for which separate coverage?

Question 5: The property section of a BOP is most directly concerned with:

Question 6: An endorsement added to a BOP is used to:

Question 7: Why should a business review BOP exclusions carefully?

Question 8: Farm insurance is designed to address exposures related to:

Question 9: A farm policy may combine elements similar to homeowners and commercial coverage because a farm often includes:

Question 10: Farm personal property coverage may be used for items such as:

Question 11: Why is livestock coverage usually reviewed carefully in a farm policy?

Question 12: A farm liability coverage part generally addresses:

Frequently Asked Questions

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

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Other Insurance Exams in Virginia

Property & Casualty Exams in Nearby States

Official Virginia Insurance Resources

Ready to Start Practicing?

Property & Casualty practice tests by state