Master the Vermont Property & Casualty Insurance Exam
Prepare for Vermont's official Property and Casualty producer licensing exam administered by Prometric for the Vermont Department of Financial Regulation (DFR). Practice personal auto, homeowners forms, commercial property, liability, and Title 8 V.S.A. insurance statutes and ethics questions. Start preparing with our free practice tests, study key terms with flashcards, or review the official Vermont P&C Licensing Guide. Preparing for Life & Health? Check here.
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How to Pass the Vermont Property & Casualty Exam
Passing the Vermont Property & Casualty (P&C) insurance producer licensing exam (Prometric Series 14-31) on your first try requires mastering personal automobile insurance policies, homeowners policy forms (HO-2, HO-3, HO-4, HO-5, HO-6, HO-8), commercial package policies (CPP), commercial general liability (CGL), workers compensation, and Vermont-specific Department of Financial Regulation (DFR) statutes and rules.
To build exam-day confidence, start by testing your knowledge with our free P&C practice tests, study key terms with flashcards, download our printable Vermont P&C Exam Cram Sheet PDF, and review the official Vermont P&C State Licensing Guide.
Preparing for Life & Health? Practice with our Vermont Life & Health Practice Hub.
Quick glance at the Vermont Property & Casualty Exam
Topics Covered
Who Takes This Exam?
Aspiring Insurance Agents
Anyone seeking a Property & Casualty insurance license in Vermont must pass this state licensing exam administered by Prometric.
Pre-Licensing Requirements
You must be 18+, complete pre-licensing education requirements, and submit any required documentation before your Vermont insurance license can be issued.
Local Testing Centers
Take your Prometric exam in-person at authorized testing locations across Vermont, including:
Official Licensing Resources
Access official state contacts, exam guides, and scheduling portals:
Master Your Vermont Insurance Licensing Exam
Learn from expert insights and avoid the most common pitfalls that trip up test-takers in Vermont, and master key terms in our Glossary.
Study Tips
Expert strategies for success
Master Title 8 V.S.A. & DFR Cancellation Rules
Learn the exact notice periods for cancellation (15 days for nonpayment; 45 days for other grounds under § 3879 and § 4224) and nonrenewal (45 days under § 3881 and § 4225).
Memorize Vermont 25/50/10 Auto Minimums & UM Deductible
Remember 23 V.S.A. § 800 requires 25/50/10 liability limits ($115,000 self-insurance certificate option) and mandatory matching UM/UIM with a $150 property damage deductible under § 941.
Understand Prometric Series 14-31 Exam Structure
The combined Vermont P&C exam features 150 scored questions (plus 5 unscored pretest items) in 150 minutes, requiring a 70% passing score.
Review Workers Comp & Comparative Negligence
Know that Vermont uses a modified comparative negligence rule (51% bar under 12 V.S.A. § 1036) and a competitive private workers comp system (21 V.S.A. Chapter 9) with unlimited medical benefits.
Common Mistakes
Pitfalls to avoid on test day
Vermont Auto Minimum Limits (25/50/10)
Candidates confuse Vermont statutory auto liability minimums with 25/50/25 states. Under 23 V.S.A. § 800, property damage minimum is $10,000, not $25,000 (25/50/10 split).
Cancellation vs Nonrenewal Notice Timelines
Under 8 V.S.A. § 3879 and § 4224, cancellation for nonpayment requires 15 days written notice, while cancellation for other grounds and nonrenewal (8 V.S.A. § 3881 & § 4225) require 45 days advance written notice.
Absence of State FAIR Plan in Vermont
Test-takers frequently assume Vermont has a state-backed FAIR Plan. Vermont has no statutory property FAIR Plan; difficult property risks are placed in the Surplus Lines market (8 V.S.A. §§ 5021–5043).
P&C Guaranty Association Claim Limit ($500,000)
Candidates mix up the $300,000 Life & Health Guaranty limit with Property & Casualty. Under 8 V.S.A. § 3615, the P&C Guaranty Association pays covered claims up to $500,000 (with Workers Comp paid in full without cap).
Ready to put these tips into practice?
Start with our free practice questions and see how you perform, then upgrade to access our complete study system.
Free VT Insurance Exam Practice PDF
Download a comprehensive practice test with 50 Property & Casualty questions, including Vermont law topics, with answers. Perfect for offline study!
Instant download • No email required • Updated for 2026
Free VT Cram Cheat Sheet & Guide
Access our comprehensive study cheat sheet covering essential Vermont insurance licensing timelines, grace periods, and exam metrics.
Online access • No signup required • Updated for 2026
Your Questions Answered
Quick answers to the most common questions about the Vermont insurance licensing exam
How do I pass the Vermont Property & Casualty insurance exam on my first try?
To pass the Vermont P&C exam on your first attempt, follow this structured plan: First, master core national property and liability concepts, policy forms (HO-2 through HO-8, DP forms, PAP, CGL, BOP), and workers compensation. Second, dedicate focused study to Vermont-specific laws under Title 8 V.S.A. and Title 23 V.S.A., including 25/50/10 auto limits, 15-day and 45-day cancellation timelines, $500,000 guaranty fund limits, and producer ethics. Third, practice with timed mock exams until you score 80%+ consistently.
How many questions are on the Vermont Property & Casualty exam and what is the passing score?
The Vermont Property & Casualty Producer exam (Prometric Series 14-31) consists of 150 scored multiple-choice questions plus 5 unscored experimental items (155 total questions). The time limit is 2.5 hours (150 minutes), and the passing score is 70%.
What are the minimum auto insurance limits required in Vermont?
Under 23 V.S.A. § 800, Vermont requires minimum motor vehicle liability insurance 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, 23 V.S.A. § 941 mandates matching 25/50/10 Uninsured/Underinsured Motorist (UM/UIM) coverage, with a statutory $150 deductible on property damage claims.
Does Vermont have a state FAIR Plan for property insurance?
No. Unlike many states, Vermont does not have a state-administered FAIR Plan. Property owners who cannot secure coverage in the standard admitted market must obtain coverage through the licensed Surplus Lines (Excess & Surplus) market under 8 V.S.A. Chapter 138.
What are the continuing education requirements for Vermont P&C producers?
Under Vermont Insurance Regulation I-2000-02, resident producers must complete 24 credit hours of approved continuing education every two-year licensing period (ending March 31 of odd-numbered years), including at least 3 credit hours in approved Ethics. P&C producers who sell flood insurance must also complete a one-time 3-hour NFIP training course.
Your First Step to Getting Licensed
Questions are manually curated by our content team using official Vermont Department of Financial Regulation exam outlines and study materials. We adhere to strict Editorial Standards to ensure accuracy. Each question covers topics from the Property & Casualty exam — so you practice with questions that closely mirror the actual Prometric licensing exam.
General Insurance Principles
124 questions
Dwelling & Homeowners
134 questions
Auto (Personal & Commercial)
124 questions
Commercial
106 questions
Vermont P&C Law & Ethics
76 questions
Free Full-Length Line Practice Exams (25 Qs Each)
Property-Only Practice Exam Hub
Realistic practice tests covering homeowners policy forms, dwelling policies, commercial property, valuation, and Vermont property insurance laws.
Casualty Insurance Practice Exams
Realistic practice tests covering personal auto, CGL, workers' compensation, commercial package policies, and Vermont casualty insurance laws.
Flashcards
500+ Flashcards
Full Question Bank
850+ exam-like questions
Hard Questions
Tricky questions people miss
Built for One Goal: Pass the Insurance Exam on Your First Try
Practice what the exam actually tests — auto, homeowners, commercial liability, and Vermont state law.
3 Full-Length Practice Tests Included
Get instant access to our printable 450-question practice exam book. Includes 3 complete Property & Casualty insurance practice tests — with dedicated Property and Casualty sections — plus detailed answer keys with explanations. Perfect for timed practice sessions that mirror the real exam.
