Insurance Exam Guide
Texas Property & Casualty Insurance Exam 2026
A complete walkthrough of everything involved in getting your Texas 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 Texas P&C Insurance Exam Questions.
What This License Is
A Property & Casualty (P&C) Insurance Producer License in Texas authorizes you to sell, solicit, and negotiate insurance policies that protect personal and commercial assets and liability risks. It is issued by the Texas Department of Insurance.
- 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 Texas 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 Texas Property & Casualty insurance producer license, you must meet the following statutory requirements:
Pre-Licensing Education
Self-study recommended (No state mandatory classroom hours required)
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
Texas 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 Texas, you can select from the following licensing paths:
Combined Property & Casualty
Covers both lines in a single exam (150 questions, 150 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 Texas P&C examination evaluates your understanding of core property and liability concepts as well as Texas-specific insurance regulations:
Scheduling with Pearson VUE
The official Texas 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: $43 (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 Texas 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 Texas Department of Insurance (TDI).
Submit your formal producer license application online through NIPR (National Insurance Producer Registry) or the official TDI 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 Texas.
- Non-Resident Producer: Licensed in Texas 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)
Texas 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
$30,000 bodily injury per person, $60,000 bodily injury per accident, $25,000 property damage per accident.
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: Texas FAIR Plan Association & TWIA (Texas Windstorm Insurance Association). Guaranty Association: Texas Property and Casualty Insurance Guaranty Association (TPCIGA).
Practice Tests
Test your readiness with our free Texas Property & Casualty question bank and mock practice tests:
Common Mistakes
Texas Workers Compensation Elective System
Texas is unique: private employers can opt out of Workers Compensation (known as Non-subscribers). Understanding non-subscriber liability is heavily tested.
TWIA Coastal Windstorm Coverage
Texas Windstorm Insurance Association (TWIA) provides wind and hail coverage in designated 14 coastal counties. Standard homeowners policies in coastal zones exclude windstorm.
Texas Deceptive Trade Practices Act (DTPA)
DTPA protects consumers against false, misleading, or deceptive business practices, providing treble damages for intentional violations.
Quick Reference Specs
| Exam Provider | Pearson VUE |
| Total Questions | 150 questions |
| Time Limit | 150 minutes |
| Passing Score | 70% |
| Exam Fee | $43 |
| Auto Liability Minimums | 30/60/25 |
| FAIR Plan | Texas FAIR Plan Association & TWIA (Texas Windstorm Insurance Association) |
| Guaranty Association | Texas Property and Casualty Insurance Guaranty Association (TPCIGA) |