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 client alleges that an insurance agent failed to procure requested coverage. Which coverage may respond for the agent?

personal auto comprehensive coverage

commercial property building coverage

Many professional liability policies are written on which basis?

personal auto split-limit basis only

guaranteed lifetime benefit basis

Why is a retroactive date important in a claims-made professional liability policy?

claims from acts before that date may not be covered

claims must be reported within one year of that date

acts after that date are covered under the prior policy

it fixes the date on which the extended reporting period begins

Tail coverage, or an extended reporting period, is used to:

allow certain claims to be reported after a claims-made policy ends

extend the policy period so new acts stay covered after expiration

move the retroactive date backward to pick up earlier acts

convert a claims-made policy into an occurrence policy at renewal

Which occupation commonly has a professional liability exposure?

an accountant giving professional tax advice

a retail clerk stocking shelves for a store

a landlord renting an apartment to a tenant

a delivery driver operating a company truck

After a property loss, the insured is generally expected to:

give prompt notice to the insurer

increase the policy limit after the loss

repair everything without telling the insurer

A proof of loss is best described as:

a formal statement of the details and amount of a claimed loss

the adjuster's written estimate of the cost to repair the damage

the insurer's written acknowledgment that a claim has been received

a release the insured signs when accepting the final claim payment

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

100% Free - No Registration Required

West Virginia Property & Casualty Insurance Practice Exam Free - 2026

From Charleston to Morgantown, West Virginia candidates earn their licenses under the Offices of the Insurance Commissioner. Take a free baseline mock exam, see which topics need work, and drill them until your passing score is secure. Access 390+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The West Virginia Property & Casualty exam: 150 questions in 210 minutes; passing score 70%; exam fee $84; administered by Pearson VUE; 20-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

390+ Questions

Unlimited Practice

West Virginia Specific

How the West Virginia Property & Casualty exam compares

The West Virginia Property & Casualty exam is 150 questions, 210 minutes, a scaled passing score of 70 - combined Property & Casualty exam. The examination fee is $84 per exam attempt.

West Virginia requires 20 hours of prelicensing education before you can take the exam.

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 West Virginia Insurance Candidate Handbook, March 2025 (Pearson VUE / WV Offices of the Insurance Commissioner) 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

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Instant feedback
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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 West Virginia selection

West Virginia Property & Casualty Exam Info

Vendor: Pearson VUE
Questions: WV offers BOTH a combined Property and Casualty exam (150 questions, 210 min) AND separate Property (90 Q, 120 min) and Casualty (90 Q, 120 min) exams; numeric fields reflect the combined exam
Time limit: 210 minutes
Passing: 70% (scaled score of 70)
Exam fee: $84 per exam attempt
Prelicensing: 20 hours of approved pre-licensing instruction per line of authority (classroom, webinar, or self-study); certificate valid 120 days. Verified at https://www.wvinsurance.gov/Portals/0/pdf/webforms-licensing/apply_for_new_line_of_authority.pdf. P&C covers two lines (Property + Casualty). Paper certificate of completion must be presented at the test center.

Verified July 2026 from the West Virginia Insurance Candidate Handbook, March 2025 (Pearson VUE / WV Offices of the Insurance Commissioner). Always confirm with the current official candidate handbook.

West Virginia Offices of the Insurance Commissioner

More West Virginia 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.

West 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 West 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 West Virginia

Prepare for multiple insurance licenses in West Virginia

Life Insurance

West Virginia Exam

Health Insurance

West Virginia Exam

Property & Casualty Exams in Nearby States

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

Official West Virginia Insurance Resources

Important external links for West Virginia insurance licensing information

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

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

West Virginia Property & Casualty Insurance Practice Exam Free - 2026

How the West Virginia Property & Casualty exam compares

Choose Your Practice Mode

West Virginia Property & Casualty Exam Topics

Free West Virginia Property & Casualty Practice Questions with Answers

Question 1: A client alleges that an insurance agent failed to procure requested coverage. Which coverage may respond for the agent?

Question 2: Many professional liability policies are written on which basis?

Question 3: Why is a retroactive date important in a claims-made professional liability policy?

Question 4: Tail coverage, or an extended reporting period, is used to:

Question 5: Which occupation commonly has a professional liability exposure?

Question 6: After a property loss, the insured is generally expected to:

Question 7: A proof of loss is best described as:

Question 8: The duty to protect property from further damage after a covered loss is often called:

Question 9: 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 10: Salvage in property insurance commonly refers to:

Question 11: Why is documentation important after a property loss?

Question 12: An adjuster's main role in the claims process is to:

Frequently Asked Questions

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

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Other Insurance Exams in West Virginia

Property & Casualty Exams in Nearby States

Official West Virginia Insurance Resources

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Property & Casualty practice tests by state