health and wellness | February 16, 2026

Is the Property and Casualty insurance test hard?

Is the Property and Casualty insurance test hard?

The Property and Casualty insurance licensing exam is challenging. It requires hard work and effort to prepare, but by following these study tips, you should be well on your way to passing the exam on the first try. It’s also helpful to learn what to expect on exam day.

How many questions is the Property and Casualty exam?

Examinations: Time Limit and Number of Questions

Examination TypeTime AllowedNumber of Questions
Property Broker-Agent1.5 hours75
Casualty Broker-Agent1.5 hours75
Personal Lines Broker-Agent2 hours90
Commercial1.5 hours60

Is Property and Casualty exam harder than life and health?

Each insurance licensing exam presents its own challenge. Between Life and Health, students say that the Health insurance exam is the more difficult. Health insurance policies are simply more complicated than life insurance policies. The Property insurance exam is easier than the Casualty insurance exam.

What is the Property and Casualty exam like?

The Property and Casualty licensing examination is a two-hour, 150-170 (depending on the state) multiple-choice question exam consisting of two parts. Each section includes non-scored questions that are used to validate future test subjects.

How much does a P&C license cost?

How much does it cost to enroll in a property and casualty license course? Property and casualty license course fees depend on the course provider that you choose. For example, Kaplan Insurance Licensing’s program for a property and casualty license costs between $200 – $300.

How many times can I take the property and casualty exam?

Frequently Asked Questions You only get two attempts at the Guarantee Exam, so give yourself enough time to complete each one. This exam is specifically designed to be taken a limited number of times to prevent question memorization, which is why we cannot reset Guarantee Exam attempts.

What is the passing score for property and casualty exam?

60 percent or higher
The property licensing and casualty licensing exams are both 75 questions with 98 minutes to complete. A success rate of 60 percent or higher is considered passing. If you pass, you will receive an acknowledgment letter. You can then visit the California state insurance website and fill out the application online.

How do I get my P&C license?

Steps to get your Property and Casualty License

  1. Enroll in a property and casualty insurance prelicensing course.
  2. Register for the state exam through your state’s designated exam provider.
  3. Complete the requirements for your state.
  4. Pass your state exam with confidence.
  5. Follow your state requirements to apply for your license.