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.

For an insurer to void coverage under the concealment or fraud condition, the withheld or false information must be which of the following?

Material, meaning it would have affected the insurer's underwriting or rating decision

Contained in the written application rather than given orally

Related solely to the insured's prior claims history

Discovered by the insurer within the first thirty days of the policy period

An insurer broadens its standard homeowners form to cover an additional situation at no extra charge while an insured's policy is already in force. Which condition gives that insured the benefit of the change?

The no benefit to bailee condition

An insured leaves an area rug at a cleaning business, and the rug is destroyed in a fire at that business. The insured's homeowners policy pays the claim. What does the no benefit to bailee condition accomplish?

It prevents the cleaning business from using the insured's policy as a shield against its own liability

It requires the cleaning business to reimburse the insured's deductible

It obligates the insured's insurer to defend the cleaning business against other customers' claims

It voids the insured's coverage because the property was off premises

One dining chair from a matched set of eight is destroyed by a covered peril, and no replacement chair is available. Under the pair or set condition, how is the loss most likely settled?

The insurer pays the difference between the value of the set before the loss and its value after the loss

The insurer pays nothing because a single chair is not a separate insured item

The insurer pays the full limit for personal property because the set can no longer be matched

The insurer replaces all eight chairs with a new matching set of equal quality

When must insurable interest exist for a property insurance claim to be payable?

Only at the time the first premium is paid

Continuously from application through the end of the policy period

Only at the time the application is signed

A dwelling policy is written on the basic form without any optional perils added. Which group of perils does it cover?

Fire, lightning, and internal explosion

Theft, vandalism, and accidental discharge of water

Falling objects, weight of ice and snow, and freezing of plumbing

All risks of direct physical loss except those specifically excluded

Which statement correctly compares loss settlement for the dwelling under the basic dwelling form and the broad dwelling form?

The basic form settles the dwelling on an actual cash value basis, while the broad form provides replacement cost when the coinsurance requirement is met

Both the basic and broad forms settle the dwelling at actual cash value, and replacement cost settlement is available under the special form alone

The basic form settles at replacement cost, while the broad form settles at actual cash value unless the insured carries eighty percent of value

Both forms settle the dwelling at replacement cost without deduction for depreciation, regardless of the amount of insurance carried relative to value

How does the special dwelling form treat perils for the dwelling compared with personal property?

Open perils on the dwelling and other structures, with broad named perils on personal property

Open perils on personal property, with broad named perils on the dwelling and other structures

Open perils on the dwelling, other structures, and personal property alike, subject to the exclusions

Broad named perils on the dwelling and other structures, with basic named perils on personal property

A detached storage shed and a fence on the described location are damaged by a covered peril under a dwelling policy. Which coverage responds?

Coverage C, because the structures hold the insured's belongings

Coverage D, because the structures affect the rental value of the premises

Coverage A, because all structures on the lot are part of the dwelling

An owner rents out a house insured under a dwelling policy. A covered fire makes the house unfit to live in, and the tenant stops paying rent during repairs. Which coverage is designed for the owner's lost income?

Coverage E, additional living expense

Which statement about additional living expense coverage under dwelling forms is correct?

It is not automatically included in the basic dwelling form and generally must be added by endorsement

It is included in all three dwelling forms at ten percent of the Coverage A limit as an additional amount of insurance

It pays the insured's mortgage and property tax payments while the dwelling is uninhabitable after a covered loss

It is designed for dwellings rented to others, while an owner occupant relies on fair rental value coverage instead

Which is a key difference between a dwelling policy and a homeowners policy?

A dwelling policy does not automatically include personal liability or theft coverage, while a homeowners policy does

A dwelling policy automatically includes theft coverage for contents, while a homeowners policy requires a theft endorsement

A dwelling policy includes Section II personal liability coverage automatically, while a homeowners policy requires a liability supplement

A dwelling policy settles the dwelling at replacement cost under every form, while a homeowners policy pays actual cash value on the dwelling

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Washington Property & Casualty Insurance Practice Exam Free - 2026

Seattle's economy makes Washington a strong market for new producers, licensed by the Office of the Insurance Commissioner. Run free mock exams until your score comfortably clears the passing mark. Access 330+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Washington Property & Casualty exam: 150 questions in 195 minutes; passing score 70%; exam fee $55; administered by PSI; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

330+ Questions

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Washington Specific

How the Washington Property & Casualty exam compares

The Washington Property & Casualty exam is 150 questions, 195 minutes, a 70% cut score - combined Property & Casualty exam. The examination fee is $55.

Washington 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 Washington Office of the Insurance Commissioner Insurance License Examination Candidate Information Bulletin (PSI Services LLC), last revised 3/6/2026 and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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Washington Property & Casualty Exam Info

Vendor: PSI
Questions: Property and Casualty Producer Combo: 150 questions, 195 min, $55; WA ALSO offers separate single-line Property Producer and Casualty Producer exams, each 100 questions / 150 min / $38 (plus possible unscored experimental items on any exam)
Time limit: 195 minutes
Passing: 70% correct required to pass
Exam fee: $55 (combo); $38 each if taken as separate Property and Casualty exams
Prelicensing: None - WA OIC states 'Effective July 23, 2023, Washington will no longer require pre-licensing education to take your insurance exam' (insurance.wa.gov/producers-adjusters/education/first-time-license/producers-pre-licensing-education-ple); note the 3/6/2026 PSI bulletin still contains stale boilerplate saying pre-license education is required for full-line licenses - the OIC page is the controlling source

Verified July 2026 from the Washington Office of the Insurance Commissioner Insurance License Examination Candidate Information Bulletin (PSI Services LLC), last revised 3/6/2026. Always confirm with the current official candidate handbook.

Washington Office of the Insurance Commissioner

More Washington Tests

Study Tip

Spread practice across several days instead of one long session. Short, repeated sessions with explanations beat cramming for vocabulary-heavy insurance exams.

Washington 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 Washington 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 Washington

Prepare for multiple insurance licenses in Washington

Life Insurance

Washington Exam

Health Insurance

Washington Exam

Property & Casualty Exams in Nearby States

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

Idaho

Oregon

Official Washington Insurance Resources

Important external links for Washington insurance licensing information

Washington Office of the Insurance Commissioner

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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Washington Property & Casualty Insurance Practice Exam Free - 2026

How the Washington Property & Casualty exam compares

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Washington Property & Casualty Exam Topics

Free Washington Property & Casualty Practice Questions with Answers

Question 1: For an insurer to void coverage under the concealment or fraud condition, the withheld or false information must be which of the following?

Question 2: An insurer broadens its standard homeowners form to cover an additional situation at no extra charge while an insured's policy is already in force. Which condition gives that insured the benefit of the change?

Question 3: An insured leaves an area rug at a cleaning business, and the rug is destroyed in a fire at that business. The insured's homeowners policy pays the claim. What does the no benefit to bailee condition accomplish?

Question 4: One dining chair from a matched set of eight is destroyed by a covered peril, and no replacement chair is available. Under the pair or set condition, how is the loss most likely settled?

Question 5: When must insurable interest exist for a property insurance claim to be payable?

Question 6: A dwelling policy is written on the basic form without any optional perils added. Which group of perils does it cover?

Question 7: Which statement correctly compares loss settlement for the dwelling under the basic dwelling form and the broad dwelling form?

Question 8: How does the special dwelling form treat perils for the dwelling compared with personal property?

Question 9: A detached storage shed and a fence on the described location are damaged by a covered peril under a dwelling policy. Which coverage responds?

Question 10: An owner rents out a house insured under a dwelling policy. A covered fire makes the house unfit to live in, and the tenant stops paying rent during repairs. Which coverage is designed for the owner's lost income?

Question 11: Which statement about additional living expense coverage under dwelling forms is correct?

Question 12: Which is a key difference between a dwelling policy and a homeowners policy?

Frequently Asked Questions

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

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Other Insurance Exams in Washington

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Property & Casualty practice tests by state