To pass the New Hampshire Property and Casualty insurance licensing exam on your first attempt, follow a comprehensive study plan: First, master standard policy contracts—Homeowners (HO-2 through HO-8), Dwelling forms, Personal Auto Policy (PAP Parts A–D), Commercial General Liability (CGL occurrence vs. claims-made), Businessowners Policy (BOP), and Workers Compensation. Second, thoroughly study New Hampshire-specific statutes under Title XXXVII, RSA 264, RSA 281-A, and RSA 407, including 25/50/25 auto limits, mandatory $1,000 MedPay, absence of a state FAIR plan, 10-day nonpayment cancellation notices, and NHIGA insolvency caps. Third, take timed practice tests structured for PSI's 150-minute exam until you consistently score 80% or higher, giving you a safe margin above New Hampshire's 70% passing threshold.

The combined New Hampshire Property and Casualty producer examination administered by PSI consists of 150 multiple-choice questions (140 scored questions and 10 pretest questions). You have 2.5 hours (150 minutes) to complete the examination. The passing score is 70% (98 correct out of 140 scored items). PSI provides immediate preliminary score results on screen upon test submission.

The exam covers national insurance fundamentals and New Hampshire state-specific laws. Property topics include contract principles, property valuation (ACV, replacement cost, coinsurance, Valued Policy Law), homeowners and dwelling forms, and commercial property coverages. Casualty topics include torts and negligence, personal auto (PAP), commercial general liability (CGL), commercial auto, and workers compensation (RSA 281-A). State law topics cover Insurance Commissioner powers, producer licensing (24 CE hours biennially with 3 hours ethics), unfair trade practices (RSA 417), auto insurance and NHARF (RSA 404-C), Standard Fire Policy (RSA 407), and the NH Insurance Guaranty Association (RSA 404-B).

The New Hampshire combined Property & Casualty examination fee is $72 payable to PSI Services ($50 for single-line Property or Casualty). Examinations are administered at PSI test centers in Concord, Keene, Nashua, Newington, Portsmouth, and Manchester, as well as via remote online proctoring through PSI Bridge. You can register and schedule online through the PSI New Hampshire Insurance candidate portal.

New Hampshire does not mandate pre-licensing education hours (self-study is allowed). To earn a New Hampshire resident Property and Casualty producer license, you must: (1) be at least 18 years of age, (2) pass the PSI Property and Casualty examination with a score of 70% or higher, and (3) apply electronically through NIPR (nipr.com) with the state licensing fee ($210 resident biennial fee). Licenses renew biennially on the licensee's birth month.

If you do not pass the examination, PSI provides an immediate diagnostic report indicating your performance in each content area. You can reschedule your exam as soon as next-day appointment availability allows through the PSI portal by paying the re-examination fee ($72 for combined). Review your diagnostic breakdown to target specific areas of weakness—such as liability concepts or New Hampshire state statutes—before retesting.

Under RSA 402-J and New Hampshire administrative rule Ins 1300, licensed resident insurance producers must complete 24 approved Continuing Education (CE) credit hours every two-year cycle, including at least 3 credit hours in approved Ethics coursework. Excess general credits (up to 24 hours) may be carried forward into the next renewal cycle.