Florida Property & Casualty Insurance License Practice Exam
150 practice questions covering national property & casualty concepts and Florida-specific regulations.
About the Florida Property & Casualty Insurance Exam
To get your Florida Property & Casualty insurance license, you must pass the state licensing exam administered by Pearson VUE with a passing score of 70%. Exam fee: $44–$100. Florida is regulated by the Florida Department of Financial Services (DFS), Division of Agent and Agency Services under Florida Statutes Chapter 626. Visit myfloridacfo.com/Division/Agents for official licensing information. High pre-licensing hours especially for General Lines (4-40 license: 200 hours); fingerprinting via IdentoGO; 10/20/10 mandatory PIP ($10,000) state; Florida FAIR Plan; windstorm/hurricane exposure; Citizens Property Insurance Corporation; Florida Hurricane Catastrophe Fund.
Pre-licensing education in Florida: 200 hours for General Lines (4-0) or 40 hours for Personal Lines. Continuing education: 24 hours biennial (Florida-specific requirements). License renewal fee: biennial. CE must be completed before submitting your Florida renewal application. How to get licensed in Florida: complete pre-licensing → submit background check/fingerprinting → pass Pearson VUE exam → apply for Florida producer license.
How to get a Florida Property & Casualty insurance license in 2026. The Florida Department of Financial Services (DFS), Division of Agent and Agency Services (myfloridacfo.com/Division/Agents) administers all producer licensing in Florida. Exam: Pearson VUE, $44–$100, 70%. Pre-licensing: 200 hours for General Lines (4-0) or 40 hours for Personal Lines. Once licensed, maintain your Florida Property & Casualty license by completing 24 hours biennial (Florida-specific requirements) and paying the biennial renewal. For questions contact the Florida Department of Financial Services (DFS), Division of Agent and Agency Services.
DFS (myfloridacfo.com). FL Statutes Chapter 626. Mandatory PIP ($10,000 no-fault). 10/20/10 auto minimums. Citizens Property Insurance Corporation (FL FAIR Plan equivalent). FL Hurricane Catastrophe Fund (FHCF). High WC rates. IdentoGO fingerprinting.
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 — Florida P&C Insurance Exam
How do I get a Florida Property & Casualty insurance license?
To become a licensed Property & Casualty producer in Florida: (1) Complete any required pre-licensing education (200 hours for General Lines (4-0) or 40 hours for Personal Lines); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the Pearson VUE exam ($44–$100, 70%); (4) Apply for your Florida producer license. The Florida Department of Financial Services (DFS), Division of Agent and Agency Services (myfloridacfo.com/Division/Agents) oversees all insurance producer licensing in Florida.
What exam does Florida use for Property & Casualty insurance licensing?
Florida uses Pearson VUE to administer the Property & Casualty insurance licensing exam. Fee: $44–$100. Passing score: 70%. High pre-licensing hours especially for General Lines (4-40 license: 200 hours); fingerprinting via IdentoGO; 10/20/10 mandatory PIP ($10,000) state; Florida FAIR Plan; windstorm/hurricane exposure; Citizens Property Insurance Corporation; Florida Hurricane Catastrophe Fund.
Does Florida require pre-licensing for Property & Casualty insurance?
200 hours for General Lines (4-0) or 40 hours for Personal Lines. For official pre-licensing provider information, visit myfloridacfo.com/Division/Agents.
What are Florida's CE requirements for Property & Casualty producers?
Florida requires: 24 hours biennial (Florida-specific requirements). Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the Florida Department of Financial Services (DFS), Division of Agent and Agency Services at myfloridacfo.com/Division/Agents for CE provider information.
What makes Florida unique for Property & Casualty insurance licensing?
High pre-licensing hours especially for General Lines (4-40 license: 200 hours); fingerprinting via IdentoGO; 10/20/10 mandatory PIP ($10,000) state; Florida FAIR Plan; windstorm/hurricane exposure; Citizens Property Insurance Corporation; Florida Hurricane Catastrophe Fund.