The property and casualty exam is designed to test knowledge of insurance principles, policies, and regulations. P&C insurance exam is a licensing test required by the Texas Department of Insurance to sell property and casualty insurance. The P&C exam has a moderate difficulty level. Students who can dedicate proper study time pass on their first attempt.
Why the Property and Casualty Exam Can Be Challenging
Volume of material:
The exam covers both property and casualty concepts, including homeowners, auto, commercial policies, liability coverage, and Texas insurance laws.
Scenario-based questions:
You will need to apply knowledge to real-world situations, not just memorize definitions.
Texas-specific regulations:
Understanding state laws, licensing rules, and prohibited practices is crucial.
Scaled scoring system:
The Texas Department of Insurance (TDI) uses a scaled system, so students must demonstrate a solid understanding across all topics.
Texas Property and Casualty Exam Pass Rates
The Property and Casualty exam is scored on a scaled basis by TDI , but to pass students must achieve a minimum score of 70% overall. In Texas, the passing ratio of the Property &Caualty Exam falls between 50 to 60%.
123 Ace The Test provides an intensive Property and Casualty prep course that help students to pass the exam in 2 to 3 days.
Texas Property and Casualty Exam Topics
The Texas Property and Casualty exam covers both property and liability concepts along with Texas insurance laws. Below are the key topics students must understand to pass the P&C exam in Texas.
Core Insurance Concepts
- Principles of insurance and risk management
- Insurable interest and indemnity
- Policy structure and components
- Perils, hazards, and losses
- Underwriting basics
Property and Casualty Topics
- Homeowners insurance policies
- Dwelling and personal property coverage
- Causes of loss (basic, broad, and special forms)
- Commercial property insurance
- Businessowners Policy (BOP)
- Inland marine insurance
- Farm and ranch policies
- Flood insurance overview (NFIP)
- Coinsurance and valuation methods
- Personal auto insurance
- Commercial auto insurance
- General liability insurance
- Medical payments coverage
- Workers’ compensation insurance
- Umbrella and excess liability policies
- Surety bonds and crime insurance
- Negligence and legal liability
Policy Provisions & Endorsements
- Policy conditions and exclusions
- Endorsements and riders
- Deductibles and policy limits
- Cancellation and nonrenewal rules
- Claims handling basics
Texas Insurance Laws & Ethics
- Texas Department of Insurance (TDI) regulations
- Licensing requirements and agent responsibilities
- Fiduciary duties and ethics
- Prohibited practices and unfair trade practices
- Disciplinary actions and penalties
- Continuing education requirements
Duration of Property and Casualty Exam by TDI:
The Texas Property and Casualty insurance exam is 2.5 hours long. During this time, candidates must complete all the multiple‑choice questions in the exam without a break.
123 Ace The Test is the best institute in Texas for Property and Casualty exam preparation. We provide live Zoom classes, in-person sessions, or on-demand courses according to the preference of students. Each mode is structured to help students prepare effectively and pass the Property and Casualty exam. Contact to our team for more information.
FAQs
How hard is the Texas Property and Casualty exam?
The exam is moderately difficult. Students who dedicate time to study, understand key concepts, and practice scenario-based questions can pass on their first attempt.
What topics are covered in the Property and Casualty exam?
The exam covers property and liability concepts, including homeowners, auto, commercial policies, general liability, Texas insurance laws, policy provisions, endorsements, and ethics.
What is the passing score for the Property and Casualty exam?
You must earn a minimum score of 70% to pass the exam. The average pass rate in Texas falls between 50% and 60%.
How quickly can I prepare for the exam?
Our P&C course can help students prepare effectively in 2 to 3 days, covering all exam topics and providing strategies for success.
What study formats does 123 Ace The Test offer?
We offer live Zoom classes, in-person sessions, and on-demand courses.