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
The Florida Property and Casualty insurance license exam is required by the Florida Department of Financial Services (DFS) before selling homeowners, auto, commercial, or liability insurance products in Florida. Florida has the most complex property insurance market in the US — shaped by hurricane risk, the Citizens Property Insurance Corporation (the state-backed insurer of last resort), and some of the strictest insurance regulations in the country.
The P&C exam contains 165 questions with a 2.5-hour time limit and a 70% passing score. You must complete 40 hours of DFS-approved pre-license education before sitting for the exam. Florida's exam is known for heavily testing Citizens Insurance, the Florida Hurricane Catastrophe Fund (FHCF), the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA), and Florida-specific auto insurance requirements including Personal Injury Protection (PIP).
Florida P&C Insurance Exam Topic Breakdown
| Section | Approx. Weight | Key Topics |
|---|---|---|
| Property Insurance | ~30% | Homeowners forms (HO-3, HO-6), dwelling, mobile home, windstorm |
| Casualty/Liability Insurance | ~20% | General liability, umbrella, workers' compensation, professional liability |
| Personal Auto | ~20% | PIP, PD coverage, uninsured motorist, FNOL procedures, no-fault |
| Florida Insurance Code | ~20% | Citizens Insurance, FHCF, cancellation/nonrenewal rules, DFS authority |
| Commercial Lines | ~10% | BOP, commercial property, commercial auto |
Sample Florida P&C Insurance Exam Questions
1. Florida requires all personal auto insurance policies to include which of the following as mandatory coverages?
2. Citizens Property Insurance Corporation in Florida is best described as:
3. Under Florida law, an insurer who wants to nonrenew a personal lines property insurance policy must provide the insured with a minimum of how many days notice?
Study Tips for the Florida P&C Insurance Exam
Florida's no-fault auto system is unique and heavily tested. Know the mandatory PIP ($10,000) and PD ($10,000) requirements, what PIP covers (80% of medical expenses, 60% of lost wages up to the limit), the 14-day rule for seeking initial medical treatment under PIP, and the difference between PIP and bodily injury liability. Florida's no-fault system means BI liability is not mandatory, which confuses many exam candidates.
Citizens Property Insurance Corporation and the Florida Hurricane Catastrophe Fund (FHCF) are Florida-specific programs with no equivalent in most states. Know what Citizens is, who qualifies for it, and the depopulation initiatives. Know the FHCF's role as a state-run reinsurance mechanism and how it protects private insurers from catastrophic hurricane losses. Florida's nonrenewal notice periods (90/120 days) are also unique and consistently tested.
The national exam content is covered in our national P&C practice exam. Getting both lines? See the Florida Life & Health exam, and use the insurance license study guide for a full prep plan. Also licensed in real estate? See the Florida real estate exam.
Frequently Asked Questions — Florida P&C Insurance Exam
How many questions are on the Florida P&C insurance exam?
The Florida P&C exam contains 165 questions with a 2.5-hour time limit. The passing score is 70%, meaning you need at least 116 correct answers. The exam is administered by Pearson VUE on behalf of the Florida Department of Financial Services.
What pre-license education is required in Florida for P&C insurance?
Florida requires 40 hours of DFS-approved pre-license education for the Property and Casualty exam. The curriculum covers property insurance, casualty insurance, Florida insurance law, and personal auto insurance. Courses can be completed online through DFS-approved providers.
What is Florida's no-fault auto insurance system?
Florida is a no-fault state, meaning your own auto insurance pays for your medical expenses and lost wages after an accident regardless of fault — up to your PIP limit ($10,000). PIP covers 80% of medical expenses and 60% of lost wages. To sue for non-economic damages (pain and suffering), your injuries must meet a 'serious injury' threshold. Bodily Injury Liability coverage is not mandatory in Florida.
What is Citizens Property Insurance Corporation?
Citizens is Florida's state-backed insurer of last resort for property owners who cannot obtain coverage in the private market, typically due to hurricane risk in coastal areas. It is the largest homeowners insurer in Florida. Citizens' rates are regulated by the state and set to be non-competitive with private market rates (to encourage depopulation). Producers must complete a Citizens certification to write Citizens policies.
What is the Florida Hurricane Catastrophe Fund (FHCF)?
The FHCF is a state-run reinsurance trust fund that provides reimbursement to insurance companies for a portion of catastrophic hurricane losses. It was created after Hurricane Andrew (1992) to stabilize the private insurance market. Private insurers must participate and pay premiums into the fund. The FHCF reduces the cost of hurricane reinsurance for Florida insurers and helps keep property insurance rates from rising even higher.
What are Florida's notice requirements for canceling or nonrenewing homeowners insurance?
Florida requires: 10 days notice for cancellation due to nonpayment of premium; 45 days notice for other mid-term cancellations (after first 90 days); 90 days notice for nonrenewal (120 days for policies in force 5+ years). Florida law also restricts cancellations and nonrenewals during a declared state of emergency and within 90 days after a hurricane. These requirements are significantly more consumer-protective than most states.
What is PIP insurance in Florida?
PIP (Personal Injury Protection) is mandatory in Florida at a minimum of $10,000. It covers 80% of necessary medical expenses and 60% of lost wages regardless of fault, up to the $10,000 limit. To receive PIP benefits, the insured must seek initial medical treatment within 14 days of the accident. PIP is the cornerstone of Florida's no-fault auto system and is the most frequently tested auto insurance topic on the Florida P&C exam.