Colorado Property & Casualty Insurance License Practice Exam
Colorado requires separate exams for Property and for Casualty, with 75 and 81 scored questions respectively. 50 hours of pre-licensing are required, and exams are taken in person at Pearson VUE.
Colorado Property & Casualty — Study by Topic
Colorado requires separate Property and Casualty exams. Drill Colorado state law (~30 Qs) or practice national P&C concepts. Full exam available.
Property Insurance
Homeowners (HO-3/HO-5), dwelling, commercial property, inland marine, fire, open/named perils, ACV vs. replacement cost.
Casualty & Liability
Auto, CGL, workers' comp, umbrella, bonds, commercial auto BAP symbols, professional liability, products/completed ops.
Colorado State Law
Division of Insurance, C.R.S. Title 10, 50-hour prelicensure, designation exemptions, rate regulation, surplus lines, auto required coverages, homeowners rules.
P&C Concepts
Subrogation, indemnity, coinsurance, pro rata/short-rate, insurable interest at loss, certificate of insurance, waiver/estoppel.
🌟 Full CO P&C Exam
75-question timed practice exam modeled on the Pearson VUE Colorado Property exam (50 general plus 25 Colorado-specific scored questions). Exams are taken in person.
About the Colorado Property & Casualty Insurance Exam
The Colorado Property and Casualty producer exams are administered by Pearson VUE for the Colorado Division of Insurance (DOI). Colorado licenses Property, Casualty and Personal Lines as separate lines of authority (C.R.S. § 10-2-407), and each line has its own portion of the exam (C.R.S. § 10-2-402). Applicants must be at least 18 and, unless exempt, complete 50 hours of approved prelicensure education, including at least 3 hours of insurance ethics, whether they seek property, casualty or both (C.R.S. § 10-2-201). Exams are given in person, since the DOI stopped accepting new online exam registrations on December 15, 2025.
The Property exam has 50 general knowledge plus 25 Colorado-specific scored questions (75 in all), and the Casualty exam has 50 general plus 31 Colorado-specific (81 in all). The Personal Lines exam has 75 general plus 29 Colorado-specific scored questions, and each portion carries 4 to 5 unscored pretest questions. Pearson VUE reports scaled scores from 0 to 100; the Division sets the passing score, the handbook does not publish it, and a numeric score is shown only to candidates who fail. The exam fee is $41 (effective April 1, 2026).
Colorado Property & Casualty Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| Property: I. Types of Policies | 22 | Homeowners (HO-2 through HO-8), dwelling (DP-1 to DP-3), commercial property, business income, BOP, builders risk, inland marine, NFIP, earthquake, mobile homes, watercraft, farmowners |
| Property: II. Insurance Terms and Concepts | 15 | Insurable interest, hazard, peril, valuation, proximate cause, deductibles, coinsurance, cancellation and nonrenewal, vacancy, negligence, binders, endorsements |
| Property: III. Policy Provisions and Contract Law | 13 | Declarations, insuring agreement, conditions, exclusions, duties after loss, mortgagee rights, proof of loss, appraisal, subrogation, contract elements, FCRA, GLBA, TRIA |
| Casualty: I. Types of Policies, Bonds, Related Terms | 23 | CGL, personal and business auto, workers' compensation, crime, bonds, professional liability, umbrella and excess, BOP |
| Casualty: II. Insurance Terms and Concepts | 15 | Risk, hazards, indemnity, valuation, negligence, occurrence, warranties, representations, concealment, premium audit, certificates, damages |
| Casualty: III. Policy Provisions | 12 | Declarations, insuring agreement, conditions, exclusions, cancellation and nonrenewal, supplementary payments, proof of loss, loss settlement, TRIA |
| CO — Property: I. Statutes Common to All Lines | 19 | Commissioner powers, hearings, license actions, records; licensing, surplus lines, commissions, fiduciary duties; unfair competition and deceptive practices |
| CO — Property: II. Statutes Common to Property & Casualty | 4 | Rate regulation, summary disclosure form, commercial policy requirements, use of credit information |
| CO — Property: III. Statutes Pertinent to Property Only | 2 | Fraudulent claims and arson reporting, loans secured by real property, homeowners cancellation and nonrenewal, fire insurance availability |
| CO — Casualty: I. Statutes Common to All Lines | 19 | Commissioner powers, hearings, license actions, records; licensing and surplus lines; unfair competition and deceptive practices |
| CO — Casualty: II. Statutes Common to Property & Casualty | 4 | Rate regulation, summary disclosure, commercial policy requirements, credit information |
| CO — Casualty: III. Statutes Pertinent to Casualty Only | 8 | Workers' compensation, auto insurance (cancellation, excluded drivers, UM/UIM, financial responsibility, required coverages, medical payments, transportation network companies), Colorado Auto Insurance Plan, bail bonds |
Counts are from the Colorado content outlines published by Pearson VUE (effective January 1, 2024). The Property and Casualty general portions each carry 50 scored questions; the Colorado portions carry 25 (Property) and 31 (Casualty) scored questions. Each portion also includes 5 unscored pretest questions. The Personal Lines exam (75 general plus 29 Colorado scored questions) is a separate exam.
What Makes the Colorado Property & Casualty Exam Different
Property and Casualty are separate lines and separate exams. Colorado lists property, casualty and personal lines as distinct lines of authority, and each line has its own exam portion (C.R.S. §§ 10-2-407 and 10-2-402). The 50-hour prelicensure requirement covers property, casualty, or both (C.R.S. § 10-2-201(1)(a)(III)). Personal Lines applicants who already hold a Property and Casualty license are exempt from the Personal Lines prelicense requirement, per the Pearson VUE handbook.
Required auto liability limits are 25/50/15. Colorado's basic required coverage is $25,000 for bodily injury or death to one person, $50,000 for all persons in one accident, and $15,000 for property damage in one accident (C.R.S. § 10-4-620). The Casualty outline also tests UM/UIM, excluded drivers, financial responsibility, medical payments, transportation network companies and the Colorado Auto Insurance Plan.
Homeowners rules are written into statute. Replacement-cost homeowners policies must include additional living expense coverage for at least 12 months, and insurers must offer 24 months. An insurer may not cancel or refuse to renew a policy only because the insured asked about coverage, unless the inquiry relates to an actual claim (C.R.S. § 10-4-110.8).
Wildfire total-loss protections. After a governor-declared wildfire disaster, the homeowners statute gives insureds at least 36 months to submit rebuilding receipts and at least 24 months of additional living expense, and requires insurers to offer at least 65% of contents coverage without a written inventory (C.R.S. § 10-4-110.8(13) and (14)).
The Colorado portion leans on laws common to every line. On the Property exam, 19 of the 25 Colorado questions cover statutes common to all lines, and 19 of 31 do on Casualty, so licensing law, surplus lines and unfair practices matter as much as line-specific rules. Casualty-only statutes (8 questions) add workers' compensation, auto and bail bonds.
Continuing education has a homeowners component. Producers complete 24 credit hours every two years, at least 18 for their license type and at least 3 on ethics; producers licensed for property or personal lines must also complete 3 hours on homeowner's insurance coverage (3 CCR 702-1, Regulation 1-2-4).
Sample Colorado Property & Casualty Insurance Exam Questions
1. What are Colorado's basic required auto liability limits under C.R.S. § 10-4-620?
2. A Colorado homeowners policy provides replacement cost coverage. What additional living expense (ALE) coverage must the policy include, and what must the insurer offer, under the homeowner's insurance statute?
3. A Colorado producer licensed for property and personal lines is completing continuing education. Besides the 3 ethics hours within the 24-hour requirement, what additional coursework does Regulation 1-2-4 require?
Study Tips for the Colorado Property & Casualty Exam
The Colorado portion is 25 of 75 scored questions on the Property exam and 31 of 81 on Casualty. Nineteen on each are statutes common to all lines (commissioner powers, licensing, surplus lines, unfair practices), so learn those first, then the line-specific rules: homeowners and fire statutes for Property, workers' compensation and auto for Casualty.
On the general portion, Property puts 22 of 50 questions into policy types, so know the HO forms (HO-2 through HO-8), dwelling forms and commercial property. Casualty puts 23 of 50 into policy types, bonds and related terms: CGL, auto, workers' compensation, crime and professional liability.
You get no published passing mark and see a numeric score only if you fail. You must wait 24 hours before a retake, and a passing score is good for one year, so apply for the license within that window.
Also licensing in life or health? See our Colorado Life & Health practice exam. National content is in our property and casualty practice exam, and our insurance license exam study guide covers exam strategy.
How to Get Your Colorado Property & Casualty Insurance License
There are four steps to get your Colorado insurance producer license for the Property and Casualty lines.
Steps to Get Your Colorado Property & Casualty Insurance License
| Step | What to Do |
|---|---|
| 1. Prelicensure Education | Complete 50 hours of approved education for property, casualty, or both, including at least 3 hours of ethics. Unless you hold a qualifying designation or a recent license from another state, you must finish the course before you can take the exam, and the certificate is valid for one year. |
| 2. Schedule the Exam | Create a Pearson VUE account under your exact legal name, give your training school code, and pay the $41 exam fee. Exams are taken in person at a Colorado test center, with two forms of signature ID, one of them government-issued with a photo. |
| 3. Pass the Exam | Take the general and Colorado portions for each line. Pearson VUE gives you an official score report at the test center, and a passing score is valid for one year. You may retake after waiting 24 hours. |
| 4. Apply and Maintain | Apply through Sircon or NIPR; paper applications are returned unprocessed. The $44-per-authority license fee is in the Pearson VUE handbook. Once licensed, complete 24 CE credit hours every two years, including 3 on homeowner's coverage. |
Colorado Property & Casualty Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Lines of authority | Property; Casualty; Personal Lines (separate lines, C.R.S. § 10-2-407) |
| Pre-license education | 50 hours, including 3 hours of ethics, for property, casualty, or both (C.R.S. § 10-2-201) |
| Exam | Property: 50 general + 25 Colorado scored questions; Casualty: 50 general + 31 Colorado; Personal Lines: 75 general + 29 Colorado |
| Time limit | Set per exam and listed in the Pearson VUE handbook |
| Passing score | Scaled 0–100; the Division sets the mark and Pearson VUE shows a numeric score only to failing candidates |
| Auto liability minimums | $25,000 / $50,000 bodily injury and $15,000 property damage (C.R.S. § 10-4-620) |
| Continuing education | 24 credit hours every two years, at least 18 for your license type, at least 3 on ethics, plus 3 on homeowner's coverage for property or personal lines |
| Minimum age | 18 (C.R.S. § 10-2-404) |
| Exam provider | Pearson VUE (in-person at Colorado test centers; online exam registration ended December 15, 2025) |
| Exam fee | $41 per the Pearson VUE handbook forms and fees table, effective April 1, 2026 |
| Score validity | Passing scores are valid for one year; the license application must reach Pearson within one year of passing |
| Retakes | Wait 24 hours before reserving a retake; the handbook sets no attempt limit |
| Application | All-electronic through Sircon or NIPR; paper applications are returned unprocessed |
| License fees | $44 per authority for a new resident license and $27 per authority for renewal (Pearson VUE handbook) |
| Licensing authority | Colorado Division of Insurance |
Verified against the Pearson VUE Colorado candidate handbook and content outlines, Colorado Division of Insurance pages, C.R.S. Title 10, and Regulations 1-2-4 and 1-2-5. Fees and times change; confirm current figures with the Division and Pearson VUE before you apply.
Our free Colorado Property & Casualty practice exam covers general and Colorado content. You can also try the national property and casualty practice exam or the insurance license exam study guide.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Colorado Property & Casualty Insurance Exam
How many questions are on the Colorado Property and Casualty exams?
The Property exam has 75 scored questions (50 general plus 25 Colorado-specific) and the Casualty exam has 81 (50 general plus 31 Colorado-specific). The Personal Lines exam has 104 (75 general plus 29 Colorado-specific). Unscored pretest questions are also mixed in.
Do I take one exam or separate exams for Property and Casualty in Colorado?
Separate exams. Colorado lists property, casualty and personal lines as separate lines of authority and gives each line its own portion of the exam, so you pass an exam for each line you want. The prelicensure requirement is 50 hours whether you seek property, casualty, or both.
What is the passing score for the Colorado insurance exam?
Pearson VUE reports scaled scores from 0 to 100, and the Division sets the passing score with Pearson VUE. The candidate handbook does not publish the number, and a numeric score is shown only to candidates who fail.
What are Colorado's minimum auto liability limits?
$25,000 for bodily injury or death to one person, $50,000 for all persons in one accident, and $15,000 for property damage in one accident (C.R.S. § 10-4-620).
Does Colorado require fingerprints for an insurance producer license?
Pearson VUE's handbook does not mention a fingerprint requirement. The application asks screening questions about criminal convictions and bankruptcy, and the Division reviews each yes answer individually.
How much does the Colorado insurance exam cost?
The Pearson VUE handbook lists a $41 exam fee effective April 1, 2026, paid when you reserve. It also lists $44 per authority for a new resident license and $27 per authority for renewal.
Can I take the Colorado exam online?
No. The Division stopped accepting new online exam registrations on December 15, 2025, and exams are given at Colorado's physical test centers.
What are the continuing education requirements in Colorado?
Producers complete 24 credit hours every two years, at least 18 for their license type and at least 3 on ethics. Producers licensed for property or personal lines must also complete 3 hours on homeowner's insurance coverage.
Practice Exam Questions — Colorado Property & Casualty
4 state-specific questions based on official sources. Correct answer highlighted in green.
Which of these is a separate line of authority in Colorado under C.R.S. § 10-2-407?
- Personal lines
- Funeral and burial
- Mortgage guaranty
- Legal expense
How long is a passing Colorado insurance exam score valid for licensing?
- Six months
- One year
- Three years
- It never expires
Under the Colorado homeowner's insurance statute, an insurer may not cancel or refuse to renew a policy only because the insured did what?
- Asked about homeowner's coverage, unless the inquiry relates to an actual claim
- Filed a claim for a covered loss of any size
- Requested a copy of the policy
- Declined to buy extended replacement cost coverage
Which title of the Colorado Revised Statutes contains the insurance code, including producer licensing in article 2?
- Title 10
- Title 24
- Title 12
- Title 38