To pass the Delaware P&C licensing exam on your first attempt, follow a structured study plan: First, master core property and casualty policy structures — Personal Auto Policy (PAP), Homeowners forms HO-2 through HO-8, Dwelling forms DP-1 through DP-3, Commercial General Liability (occurrence vs. claims-made), Businessowners Policies (BOP), and Workers' Compensation. Second, dedicate focused time to Delaware-specific Title 18 statutes: 25/50/10 auto minimums plus $15k/$30k mandatory PIP, 10-day nonpayment cancellation notices, 30-day nonrenewal rules, 60-day binder limits, and DIGA guaranty caps ($300k). Third, complete at least 300+ scenario-based practice questions until you consistently score 80% or higher, well above Delaware's 70% passing threshold.

The Delaware Property & Casualty producer examination administered by PSI contains 150 multiple-choice questions with a 2-hour and 30-minute (150 minutes) time limit. To pass, you must achieve a scaled score of at least 70%, which corresponds to answering at least 105 out of 150 questions correctly. Single-line Property-only and Casualty-only exams are also available for candidates seeking single-line licenses.

Under Delaware law (21 Del. C. § 2118), motor vehicle owners must carry minimum liability limits of 25/50/10: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage per accident. In addition, Delaware requires mandatory Personal Injury Protection (PIP) of $15,000 per person and $30,000 per accident for medical expenses, loss of earnings, and funeral expenses regardless of fault.

The exam covers national property and casualty principles as well as Delaware state-specific statutes. National topics include basic contract law, property valuation (ACV, replacement cost, coinsurance), negligence and tort liability, dwelling and homeowners forms, personal auto policies, commercial property, commercial general liability, commercial auto, BOP, and workers' compensation. Delaware-specific topics test Title 18 rules on Department of Insurance regulatory authority, producer licensing regulations, 24 CE hours biennially (including 3 hours in ethics), 3-year record retention, Delaware PIP requirements, and the Delaware Insurance Guaranty Association (DIGA).

Delaware does not require mandatory pre-licensing classroom hours by statute (self-study is permitted). To obtain a resident Property & Casualty producer license, you must: (1) be at least 18 years of age and a Delaware resident, (2) pass the PSI Property & Casualty licensing examination with a score of 70% or higher, (3) submit digital fingerprints for state and FBI criminal background checks through IdentoGO ($52 fee), and (4) submit your official resident producer application electronically via NIPR (nipr.com) with the Delaware Department of Insurance licensing fee ($100).

The Delaware P&C examination fee is $90 per attempt, payable directly to Pearson VUE when scheduling. Examinations are administered at authorized Pearson VUE test centers in Delaware (including Dover, Wilmington, Newark, and Georgetown) as well as via remotely proctored online testing through Pearson VUE OnVUE. You can register and schedule online through the Pearson VUE Delaware Insurance Portal (home.pearsonvue.com/de/insurance). On exam day, you must present valid, non-expired government-issued photo ID.