Insurance Exam Guide
Florida Property & Casualty Insurance Exam 2026
A complete walkthrough of everything involved in getting your Florida Property & Casualty insurance license — from pre-licensing education to walking out with your license number. This guide covers eligibility, education requirements, the Pearson VUE exam, what happens if you fail, and how to prepare. Ready to start practicing? You can practice with Florida P&C Insurance Exam Questions.
What This License Is
A Property & Casualty (P&C) Insurance Producer License in Florida authorizes you to sell, solicit, and negotiate insurance policies that protect personal and commercial assets and liability risks. It is issued by the Florida Department of Financial Services / OIR.
- Property Insurance: Protects physical property (dwellings, commercial structures, equipment) against direct financial loss from perils such as fire, theft, windstorm, and liability.
- Casualty Insurance: Protects individuals and businesses against legal financial liability for bodily injury or property damage caused to third parties (auto liability, commercial general liability, workers' compensation).
Candidates in Florida can take the combined Property & Casualty exam (covering both lines in one sitting) or single-line exams if seeking specialized licensing.
Eligibility
To qualify for a Florida Property & Casualty insurance producer license, you must meet the following statutory requirements:
Pre-Licensing Education
200 hours for 2-20 General Lines or 60 hours for 20-44 Personal Lines
Even in states where pre-licensing education is self-study, taking a structured prep course with comprehensive practice exams is highly recommended before attempting the official exam.
Fingerprinting
Florida requires all new insurance license applicants to submit electronic fingerprints for a state and FBI criminal background check through approved vendors (such as Live Scan, IdentoGO, or Fieldprint).
Fingerprinting can often be completed on-site at official Pearson VUE testing centers or at authorized state fingerprinting locations prior to submitting your formal license application.
Exam Options
When registering for your exam in Florida, you can select from the following licensing paths:
Combined Property & Casualty
Covers both lines in a single exam (160 questions, 180 minutes). Required if you plan to work at a full-service agency selling auto, homeowners, and commercial business policies.
Single Line (Property or Casualty)
Specialized exam focusing strictly on either Property insurance policy forms or Casualty liability coverages.
What It Covers
The Florida P&C examination evaluates your understanding of core property and liability concepts as well as Florida-specific insurance regulations:
Scheduling with Pearson VUE
The official Florida Property & Casualty exam is administered by Pearson VUE. You can schedule your test online through the official Pearson VUE candidate portal or by phone.
Be sure to register using your exact legal name as it appears on your government-issued photo identification.
Fees
- Exam Fee: $44 (payable directly to Pearson VUE at registration).
- State Licensing Fee: Varies by state ($40 – $100 via NIPR).
- Fingerprinting Fee: $35 – $60 depending on vendor.
In-Person vs. Remote Testing
Pearson VUE offers both in-person testing at certified examination centers and online proctored remote testing from home.
If choosing online remote proctoring, ensure you have a private room, a reliable high-speed internet connection, a webcam, and a clean desk free of any paper or study materials.
Exam Day
Arrive at least 30 minutes before your scheduled appointment time. You must present one unexpired, government-issued photo ID featuring your signature (e.g., Driver's License or Passport).
Personal belongings including phones, watches, bags, and notes must be stored in secure lockers prior to entering the testing room.
Passing Score
The passing score threshold in Florida is 70%. Upon completing your exam, you will receive your score report immediately at the test center (or on screen for online proctored tests).
If You Pass
Congratulations! After passing your exam, your official score report will be transmitted electronically to the Florida Department of Financial Services / OIR (FL DFS).
Submit your formal producer license application online through NIPR (National Insurance Producer Registry) or the official FL DFS portal.
If You Fail
If you do not achieve the 70% passing score on your first attempt, do not panic. You will receive a diagnostic performance report showing your score in each major topic section.
You can re-schedule your exam with Pearson VUE after the required waiting period (typically 24 hours). Use our practice question bank to target your weak sections before re-testing.
Applying for Your License
Once your exam score and background fingerprint clearance are processed, visit NIPR.org to complete your license application and pay the state licensing fee.
License Types
- Resident Producer: Licensed to sell Property & Casualty insurance products in Florida.
- Non-Resident Producer: Licensed in Florida based on reciprocity with your home state license.
- Surplus Lines Broker: Specialized license for placing high-risk risks with non-admitted insurers.
Continuing Education (CE)
Florida requires licensed Property & Casualty producers to complete 24 hours of Continuing Education (CE) every 2-year license renewal cycle, including at least 3 hours in Ethics.
Insurer Appointments
Holding a license allows you to represent clients, but you must be officially appointed by an authorized insurance carrier before you can bind coverage or write policies on their behalf.
P&C Study Strategy
Property & Casualty concepts require mastering both mathematical calculations and legal policy definitions. Focus heavily on these high-yield topics:
1. State Auto Liability Minimums
$10,000 Personal Injury Protection (PIP) mandatory No-Fault coverage plus $10,000 Property Damage (PD) liability.
2. Coinsurance Formula (Property)
Remember: [Insurance Carried / Insurance Required] × Loss = Claim Payment. Always calculate required insurance (Value × Coinsurance %) first.
3. Homeowners Forms (HO-2 to HO-8)
HO-2 (Broad), HO-3 (Special - Open Peril Dwelling / Named Peril Personal Property), HO-4 (Renters), HO-5 (Comprehensive - Open Peril Both), HO-6 (Condo), HO-8 (Modified Older Homes).
4. Claims-Made vs. Occurrence CGL
Occurrence covers injury occurring during policy period regardless of claim date. Claims-Made covers claims reported during policy period (or Retroactive Date / ERP Tail).
5. State Residual Markets
FAIR Plan: Citizens Property Insurance Corporation. Guaranty Association: Florida Insurance Guaranty Association (FIGA).
Practice Tests
Test your readiness with our free Florida Property & Casualty question bank and mock practice tests:
Common Mistakes
Florida PIP Benefits & Emergency Medical Condition (EMC)
PIP pays 80% medical benefits, 60% lost wages, 100% replacement services up to $10,000 ONLY if an Emergency Medical Condition (EMC) is diagnosed (otherwise capped at $2,500).
Citizens Property Insurance Eligibility
Citizens is the state insurer of last resort. Applicants must prove they cannot obtain coverage from a private insurer or private premiums are over 20% higher.
Quick Reference Specs
| Exam Provider | Pearson VUE |
| Total Questions | 160 questions |
| Time Limit | 180 minutes |
| Passing Score | 70% |
| Exam Fee | $44 |
| Auto Liability Minimums | $10,000 PIP / 10/20/10 PD |
| FAIR Plan | Citizens Property Insurance Corporation |
| Guaranty Association | Florida Insurance Guaranty Association (FIGA) |