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Texas · Insurance ProducerTexas Property and Casualty Practice Test 2026 (General Lines P&C)
The Texas General Lines – Property & Casualty exam is the licensing test for anyone who wants to sell property and casualty insurance in Texas. Pearson VUE runs it for the Texas Department of Insurance (TDI). It has two parts: a general knowledge section on insurance products and a state section on Texas insurance law. The two parts are scored together as one exam.
This independent practice test has 238 original questions covering both parts, organized by the content outline that took effect September 1, 2026. Every question comes with an explanation and a citation to the statute or official source it is based on, along with the date we last verified that source. You can take a timed full-length exam in the official format (145 questions, 150 minutes). Ten questions are free and don't require an account. After that, you pay once: $24.99 for 30 days or $34.99 for 60 days. There is no subscription, and there is a 7-day money-back guarantee. ExamCleared has no affiliation with TDI or Pearson VUE, and our questions are not taken from the real exam.
- Questions
- 145 (130 scored: 100 general + 30 Texas)
- Time
- 150 minutes
- To pass
- 70 (scaled, 0–100; raw cut score not published)
- Exam fee
- $49 exam fee + $50 license application fee
- Required course
- No pre-licensing course in the handbook (temporary license: 40 hours sponsor training)
Free Texas property and casualty practice test questions
Five sample questions from the bank — open each answer to see the explanation and the legal source. Take the free 10-question test to practice with a timer and a score.
1. An NFIP insurer decides to cancel a dwelling policy that names a mortgagee. Under the SFIP mortgage clause, how long does coverage continue for the mortgagee's benefit?
- 30 days after the mortgagee is notified
- Until the end of the policy term
- 10 days after the insured is notified
- 60 days after the date of cancellation
Show answer
Answer: A. 30 days after the mortgagee is notified
If the insurer cancels or nonrenews, the policy stays in effect for the mortgagee only, for 30 days after the mortgagee is notified. This protects the lender's interest while it arranges other coverage.
Source: 44 CFR Part 61, App. A(1), Art. VII.N.6 · verified 2026-11-07
2. Which injury would Coverage F (Medical Payments to Others) of a homeowners policy NOT pay for?
- Injury to the named insured's teenage son who lives in the home
- Injury to a neighbor's child who is playing inside the insured's home
- Injury to a delivery person who trips on the insured's porch
- Injury to a guest who slips on the insured's wet kitchen floor
Show answer
Answer: A. Injury to the named insured's teenage son who lives in the home
Medical payments to others pays for people accidentally injured on the insured's property. It does not apply to injuries to the insured or to household residents, and it is not a substitute for health insurance.
Source: California Department of Insurance, Residential Insurance: Homeowners and Renters (Form 401, May 2024), Coverage F - Medical Payments to Others · verified 2026-11-07
3. Tom lends his car to a licensed neighbor for an afternoon errand, and the neighbor causes an accident. As a general rule, how does Tom's auto liability policy treat the neighbor?
- It generally covers a licensed driver using the car with Tom's permission
- It never covers the neighbor, because only the named insured is an insured
- It covers the neighbor only if he is listed by name on the declarations
- It covers the neighbor only if he has no auto policy of his own
Show answer
Answer: A. It generally covers a licensed driver using the car with Tom's permission
Almost all auto liability policies extend coverage to a licensed driver who uses the car with the owner's permission. Some policies do restrict other drivers, so the policy wording controls.
Source: NAIC Consumer Insights — Auto Insurance (who is covered) · verified 2026-11-07
4. A CGL pays a $200,000 judgment for injuries caused by a product the insured sold. Which aggregate limit does this payment reduce?
- The General Aggregate Limit only, like all other Coverage A payments
- Both the General Aggregate and the Products-Completed Operations Aggregate
- The Products-Completed Operations Aggregate only
- Neither, because products claims are paid as Supplementary Payments
Show answer
Answer: C. The Products-Completed Operations Aggregate only
The CGL keeps a separate Products-Completed Operations Aggregate. Payments for injury or damage within the products-completed operations hazard erode that limit and do not reduce the General Aggregate, which applies to premises/operations, Coverage B and Coverage C.
Source: ISO endorsement CG 25 03 05 09, para. C (N.Y. Office of General Services, Standard Purchasing Contract Exhibit 21) · verified 2026-11-07
5. Under a broad-form causes of loss form, a heating pipe on the described premises cracks and leaks water and steam into the insured's office. How is this loss treated?
- Excluded, because water damage is covered only under the Special Form
- Covered only if the pipe was part of an automatic fire sprinkler system
- Covered only if the leak continued for at least 72 hours before discovery
- Covered as Water Damage from a cracked heating system on the premises
Show answer
Answer: D. Covered as Water Damage from a cracked heating system on the premises
Water Damage is one of the perils the Broad Form adds to the basic perils. It means accidental discharge or leakage of water or steam caused by a plumbing, heating, air conditioning or other system on the premises breaking apart or cracking.
Source: N.C. State Property Fire Insurance Fund, Broad Form Causes of Loss & Exclusions, A.14.a · verified 2026-11-07
What the Texas General Lines Property and Casualty exam is and who takes it
Before TDI will issue a General Lines – Property and Casualty Agent license, you have to pass this exam unless you qualify for an exemption. According to the Pearson VUE Texas Insurance Licensing Candidate Handbook, every major lines exam is multiple choice and has two parts. The general section covers basic insurance product knowledge. The state section covers the insurance laws, rules, regulations and practices that are specific to Texas.
The handbook lists three groups who can skip the exam:
- Holders of the Chartered Property and Casualty Underwriter (CPCU) designation (TIC §4002.003).
- Nonresidents who hold an equivalent license in good standing in a home state that grants licenses to Texas residents on a reciprocal basis.
- New Texas residents who held the same or a similar license in their previous home state within the 90 days before applying in Texas.
Texas P&C exam format: questions, time and passing score
The Texas Insurance Content Outlines (effective September 1, 2026) and the candidate handbook describe the exam this way:
- General Knowledge: 100 scored questions plus 10 pretest questions.
- Texas State Specific: 30 scored questions plus 5 pretest questions.
- Total: 145 questions, of which 130 are scored. Pretest questions are mixed in with the scored ones, aren't identified, and don't affect your score.
- Time: 150 minutes. The clock keeps running during unscheduled breaks.
- Passing score: a scaled score of 70 on a 0–100 scale. A scaled score is not the number or the percentage of questions you got right. TDI doesn't publish how many correct answers you need, because forms are equated for difficulty.
- Scoring: the exam is scored as a whole, not section by section.
- Closed book: books, papers and reference materials are not allowed. The test center gives you materials for notes. You may bring a silent, hand-held, nonprinting calculator without an alphabetic keypad. Financial calculators are not allowed, and the center doesn't provide calculators.
- Language: the exam is offered in English and Spanish. If English is your second language, you can ask for 1½ times the standard time using the ESL Request Form.
Fees and how to register for the exam
The handbook's fee table lists the General Lines – Property & Casualty exam at $49, in both English and Spanish. That table comes from the October 2024 edition, so check the price when you book. The handbook gives these steps:
- Book the exam online at pearsonvue.com/us/en/tx/insurance.html (first-time users need to create an account) or by phone at (888) 754-7667. Either way, book at least 24 hours before your exam date. Walk-in exams are not available.
- Make a fingerprint appointment with IdentoGO by IDEMIA. Fingerprinting is a separate process from the exam.
- If you need to change or cancel your appointment, call at least 48 hours before the exam.
- If you fail, you can schedule a new exam within one day. There is no limit on attempts, but you pay the exam fee each time.
Once you pass, the license application fee is $50 per license type. Application fees are non-refundable and non-transferable.
Prerequisites: age, Social Security number and training
To sit for the exam, the handbook says you must be at least 18 years old and have a valid Social Security number. The name, date of birth and Social Security number you give when booking must match your license application exactly.
The Pearson VUE handbook does not list a mandatory pre-licensing course for the permanent General Lines P&C license. A temporary 180-day license is a different case. It is available only when a sponsoring company, agent or agency requests it, and you must complete 40 hours of training from the appointing insurer or agency within 30 days of applying (Texas Insurance Code §4001.160). You also have to pass the exam within those 180 days. If you are on that path, this practice test is meant to supplement the sponsor's training, not replace it.
What topics are on the Texas property and casualty exam
The official outline gives the number of scored questions for each section.
General Knowledge (100 scored)
- Types of policies (homeowners, dwelling, commercial property, floaters and related coverages): 22
- Insurance terms and related concepts: 15
- Policy provisions and contract law: 13
- Types of policies, bonds and related terms (commercial general liability, umbrella/excess, Businessowners Policy, auto, workers' compensation, crime, bonds): 23
- Insurance terms and related concepts (risk, hazards, Fair Credit Reporting Act compliance and more): 15
- Policy provisions: 12
Texas State Specific (30 scored)
- Texas statutes and rules common to property and casualty insurance: 18. This covers the Commissioner's powers, penalties and cease-and-desist orders; insurer definitions such as Texas Lloyds; licensing types, appointment, continuing education and discipline; and marketing practices such as misrepresentation, rebating, discrimination, fraud and commission sharing.
- Texas statutes and rules pertinent to property and casualty insurance: 12. This covers surplus lines; rate and form approval; homeowners cancellation and nonrenewal; the Texas FAIR Plan and TWIA; loss settlement; auto coverage, UM/UIM, PIP and financial responsibility; the Texas Automobile Insurance Plan Association; rideshare coverage; workers' compensation; the Texas Property and Casualty Insurance Guaranty Association; and the medical liability JUA.
Study tips for Texas P&C exam questions
- Study from the outline. Each state topic in the outline lists the Texas Insurance Code, Administrative Code, Transportation Code or Labor Code sections it is based on. Read those sections for the Texas portion, especially the parts with deadlines, notice periods and required offers. They are easy to test and easy to mix up.
- Know which version of the law you're studying. Statutes get amended. When you check a rule, use the current text on the Texas statutes site rather than an older summary.
- Don't neglect the general section. It has 100 of the 130 scored questions, and the exam is scored as a whole. A strong state score can't make up for a weak general score.
- Watch for look-alike terms. Common traps include actual cash value vs. replacement cost, occurrence vs. claims-made, vacancy vs. unoccupancy, and representations vs. warranties. In the state section, keep the temporary license (180 days, sponsor training) separate from the emergency license.
- Practice under time pressure. You get 150 minutes for 145 questions, and the clock doesn't stop for breaks. Take at least one timed full-length run before exam day.
- Don't guess the pass mark from a percentage. The passing score of 70 is scaled, so it doesn't mean 70% correct.
After you pass: getting your Texas P&C license
- Get fingerprinted with IdentoGO by IDEMIA. TDI uses the fingerprints for a DPS and FBI background check.
- Apply online through Sircon (www.sircon.com/texas) and pay the $50 application fee. You must finish the application within one year of passing, or you will have to take the exam again.
- Before you start representing an insurer, that insurer must submit your appointment.
- Most licenses require 24 hours of continuing education every two years, and three of those hours must be in ethics.
Pricing
Practice free with 10 questions. Full access is a one-time payment — no subscription, no auto-renewal, 7-day money-back guarantee.
Full access unlocks all 238 questions with explanations and sources, practice by topic, a timed full-length practice exam and your results by topic. No account is needed: after checkout you get a personal access code — save it to use your access on your other devices. Your access period starts immediately after purchase.
Frequently asked questions
How many questions are on the Texas property and casualty exam?
There are 145 questions in total. The General Knowledge section has 100 scored and 10 pretest questions, and the Texas State Specific section has 30 scored and 5 pretest questions. Pretest questions don't count toward your score.
What score do I need to pass the Texas General Lines P&C exam?
You need a scaled score of 70 on a 0–100 scale. A scaled score is not the number or the percentage of correct answers, and TDI doesn't publish the raw number you need. The exam is scored as a whole.
How long is the exam and what does it cost?
You have 150 minutes. The Pearson VUE handbook (October 2024) lists the exam fee as $49, and the license application fee is $50.
Is the Texas P&C exam open book?
No. Books, papers and reference materials are not allowed. You may bring a silent, hand-held, nonprinting calculator without an alphabetic keypad, but financial calculators are not allowed.
Do I need a pre-licensing course in Texas?
The handbook lists no mandatory course for the permanent license. A 180-day temporary license requires 40 hours of training from the sponsoring insurer or agency within 30 days of applying.
What happens if I fail?
You can schedule a new exam within one day, and there is no limit on attempts. You pay a new exam fee each time.
How long do I have to apply after passing?
You have one year. If you don't complete the license application within 12 months of passing, you must take the exam again.
Are these real Texas P&C exam questions?
No. They are original practice questions written from the official content outline and public statutes. Each one includes an explanation and its source. ExamCleared is not affiliated with TDI or Pearson VUE.
Is there a free Texas property and casualty practice test?
Yes. The first 10 questions are free, with no account or email needed. Full access to all 238 questions, practice by topic and the timed full-length exam starts at $24.99 as a one-time payment.
Is the Texas property and casualty exam hard?
It depends on your preparation. To pass you need 70 (scaled, 0–100; raw cut score not published). The most reliable way to check is a timed full-length practice exam: ours has 130 questions and shows your percentage against a practice target, and your results by topic show which areas still need work.
Related practice tests
- Texas Life, Accident & Health practice test
- Florida 2-15 Life & Health practice test
- California Life & Accident/Health practice test
- New York Life, Accident & Health practice test
Sources
- https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/124401.pdf — General Knowledge section: 100 scored + 10 pretest questions
- https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/124400.pdf — Exam time 150 minutes and fee $49 (English)
ExamCleared is independent and not affiliated with Texas Department of Insurance (TDI) / Pearson VUE. Our questions are original practice questions written from public law and official materials — not actual exam questions. Confirm current requirements with the official agency before you register.