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.

Which statement best contrasts a warranty with a representation in an insurance contract?

A warranty is a statement guaranteed to be true and becomes part of the contract, while a representation need only be substantially true when made

A representation is a statement guaranteed to be true and becomes part of the contract, while a warranty need only be substantially true when made

Both a warranty and a representation must be literally true in every detail, and any inaccuracy in either voids the policy from inception

A warranty applies to statements made by the insurer in the policy, while a representation applies to statements made by the applicant

An insurer learns of a clear policy violation but accepts premium and adjusts several later claims without objection. The insurer then tries to deny a new claim on that same violation. Which doctrine most likely prevents the denial?

Estoppel, following the insurer's voluntary waiver of the known right

Subrogation, because the insurer stepped into the insured's position

Utmost good faith, which binds the insured to disclose the violation

Indemnity, limiting the insurer to restoring the insured's position

Which of the following is the clearest example of a physical hazard?

Worn wiring and an overloaded electrical panel in an older building

An insured who has previously submitted an inflated claim

An insured who leaves doors unlocked because insurance will pay

An insured who exaggerates the value of a stolen laptop

An insurer has an arrangement under which the reinsurer automatically accepts every risk of a defined class the insurer writes, without reviewing each one. What is this called?

Retrocession to the original insured

What is the primary purpose of a FAIR Plan?

To make basic property insurance available to owners of eligible properties who cannot obtain it in the voluntary market

To pay the covered claims of policyholders whose admitted property insurer has been declared insolvent by a court

To provide flood insurance to property owners in communities that have adopted approved floodplain management rules

To distribute high risk auto applicants among licensed insurers in proportion to their share of the state's premium

A homeowner directly on a hurricane exposed shoreline cannot find a private insurer willing to write windstorm coverage. Which residual market mechanism is most likely designed for this situation?

An automobile assigned risk plan

A workers compensation rating bureau

How does an automobile assigned risk plan typically operate?

Applicants who cannot obtain coverage voluntarily are distributed among participating insurers in proportion to their share of the state's business

Applicants who cannot obtain coverage voluntarily are insured directly by the state, which issues the policy and pays claims from an assessment on all insurers

Applicants who cannot obtain coverage voluntarily are referred to non-admitted surplus lines carriers after a diligent search of the admitted market

Applicants who cannot obtain coverage voluntarily are insured by the FAIR Plan, which writes auto liability alongside basic property coverage

Before placing a risk with a surplus lines insurer, a producer is generally required to do which of the following?

Document a diligent search showing that admitted insurers declined the risk

Convert the applicant's existing policy to an assigned risk plan

Obtain approval of the policy form and rates from the insurance department

Add the risk to the state FAIR Plan first

Which statement correctly describes an admitted insurer compared with a non-admitted insurer?

An admitted insurer holds a certificate of authority in the state and is generally subject to form and rate filing requirements, while a non-admitted insurer is not licensed there

An admitted insurer is one domiciled in the state, while a non-admitted insurer is a foreign or alien insurer that has been licensed to do business there under a different classification

An admitted insurer is exempt from state form and rate filing requirements, while a non-admitted insurer must file its forms and rates before writing surplus lines business

An admitted insurer is regulated by the state insurance department, while a non-admitted insurer is licensed and regulated by the federal government under the surplus lines law

How does a state guaranty association differ in purpose from a residual market plan?

The guaranty association pays covered claims of insolvent admitted insurers, while residual market plans provide coverage to applicants the voluntary market rejects

The guaranty association provides coverage to applicants the voluntary market rejects, while residual market plans pay covered claims of insolvent admitted insurers

The guaranty association pays covered claims of insolvent surplus lines insurers, while residual market plans protect policyholders of insolvent admitted insurers

The guaranty association reimburses member insurers for catastrophic losses above a retention, while residual market plans provide coverage of last resort for property alone

A homeowner with no mortgage transaction pending buys a federal flood policy as a storm approaches. When does coverage normally become effective?

Thirty days after the application and premium are submitted

At 12:01 a.m. on the day after the application is signed

Immediately upon payment of the full annual premium to the agent

Fourteen days after the application and premium are submitted

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Wisconsin Property & Casualty Insurance Practice Exam Free - 2026

Madison and Milwaukee anchor Wisconsin's insurance industry, regulated by the Office of the Commissioner of Insurance. Free practice with explanations turns exam anxiety into a passing score. Access 330+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Wisconsin Property & Casualty exam: 100 questions in 120 minutes; passing score 70%; exam fee $75; administered by PSI; 20-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

330+ Questions

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How the Wisconsin Property & Casualty exam compares

The Wisconsin Property & Casualty exam is 100 questions, 120 minutes, a 70% cut score - separate Property and Casualty exams (figures reflect the Property exam). The examination fee is $75 per exam.

It is shorter than the typical Property & Casualty exam of about 145 questions, so each item carries more weight.

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

Mirrors the Property exam - Wisconsin tests Property and Casualty separately.

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 Wisconsin Insurance Candidate Information Bulletin, PSI Services LLC, Revised March 15, 2026 (linked from oci.wi.gov Agent Exam Requirements page) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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Wisconsin Property & Casualty Exam Info

Vendor: PSI
Questions: Wisconsin tests Property (Series 22-05) and Casualty (Series 22-07) as SEPARATE exams; each is 100 questions with a 2-hour time limit, 70% to pass, $75 fee. Numeric fields reflect the Property 22-05 exam; Casualty 22-07 is identical (100 Q, 120 min, 70%, $75)
Time limit: 120 minutes
Passing: 70% correct to pass
Exam fee: $75 per exam (Property and Casualty each $75)
Prelicensing: Required for major lines: 20 hours per line of authority (8 hours principles of insurance/general Wisconsin + 12 hours per line: policies, terms, concepts) from an OCI-approved provider; certificate valid 1 year and must be presented at the test center. Per CIB chart: Life 20 hrs, Accident & Health 20 hrs, Property 20 hrs, Casualty 20 hrs.

Verified July 2026 from the Wisconsin Insurance Candidate Information Bulletin, PSI Services LLC, Revised March 15, 2026 (linked from oci.wi.gov Agent Exam Requirements page). Always confirm with the current official candidate handbook.

Wisconsin Office of the Commissioner of Insurance

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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.

Wisconsin 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 Wisconsin 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 Wisconsin

Prepare for multiple insurance licenses in Wisconsin

Life Insurance

Wisconsin Exam

Health Insurance

Wisconsin Exam

Property & Casualty Exams in Nearby States

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

Official Wisconsin Insurance Resources

Important external links for Wisconsin insurance licensing information

Wisconsin Office of the Commissioner 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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Wisconsin Property & Casualty Insurance Practice Exam Free - 2026

How the Wisconsin Property & Casualty exam compares

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Wisconsin Property & Casualty Exam Topics

Free Wisconsin Property & Casualty Practice Questions with Answers

Question 1: Which statement best contrasts a warranty with a representation in an insurance contract?

Question 2: An insurer learns of a clear policy violation but accepts premium and adjusts several later claims without objection. The insurer then tries to deny a new claim on that same violation. Which doctrine most likely prevents the denial?

Question 3: Which of the following is the clearest example of a physical hazard?

Question 4: A manufacturer decides to stop producing a product line entirely because its liability exposure cannot be managed at an acceptable cost. Which risk management technique is this?

Question 5: An insurer has an arrangement under which the reinsurer automatically accepts every risk of a defined class the insurer writes, without reviewing each one. What is this called?

Question 6: What is the primary purpose of a FAIR Plan?

Question 7: A homeowner directly on a hurricane exposed shoreline cannot find a private insurer willing to write windstorm coverage. Which residual market mechanism is most likely designed for this situation?

Question 8: How does an automobile assigned risk plan typically operate?

Question 9: Before placing a risk with a surplus lines insurer, a producer is generally required to do which of the following?

Question 10: Which statement correctly describes an admitted insurer compared with a non-admitted insurer?

Question 11: How does a state guaranty association differ in purpose from a residual market plan?

Question 12: A homeowner with no mortgage transaction pending buys a federal flood policy as a storm approaches. When does coverage normally become effective?

Frequently Asked Questions

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

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Other Insurance Exams in Wisconsin

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