Kentucky Property & Casualty Insurance License Practice Exam
Separate Property and Casualty exams, 70% to pass. Apply via NIPR first, then schedule through eServices. 40 hours of pre-licensing. Choice no-fault state: 25/50/25 minimum liability plus $10,000 basic reparation benefits.
Kentucky Property & Casualty — Study by Topic
Drill Kentucky state law (KRS Ch. 304) or practice general P&C concepts. Kentucky DOI gives separate Property and Casualty exams, 70% to pass. Choice no-fault, 25/50/25 minimum liability. Apply via NIPR first.
Property Insurance
Homeowners (HO-3/HO-5), dwelling, commercial property, NFIP flood, inland marine, ACV vs. replacement cost, coinsurance, Kentucky tornado/severe weather exposure.
Casualty & Liability
Auto (PAP, 25/50/25 + $10K BRB, choice no-fault, UM/UIM), CGL, WC, umbrella, bonds, commercial auto.
Kentucky State Law
KY DOI administers the exams, 40 hours of pre-licensing (20 per line), AOC background report, apply-then-exam workflow, choice no-fault (KRS 304.39-060), 25/50/25 minimum liability, $0 renewal fee with an active appointment, CE carryover.
P&C Concepts
Subrogation, indemnity, coinsurance, pro rata/short-rate, insurable interest at loss, certificate of insurance, waiver/estoppel, Kentucky choice no-fault.
🌟 Full KY P&C Exam
150-question timed practice exam covering Kentucky property and casualty topics. 70% to pass. Kentucky DOI gives separate Property and Casualty exams and does not publish an exam time limit.
About the Kentucky Property & Casualty Insurance Exam
The Kentucky property and casualty insurance exams are administered by the Kentucky Department of Insurance (DOI) itself, not by a national testing vendor. Kentucky licenses insurance agents (producers) by line and gives a separate exam for each, so P&C is tested on a Property exam and a Casualty exam; DOI's fee schedule lists a single $50 fee when the two are taken at the same time. Resident applicants complete 40 hours of Commissioner-approved pre-licensing study for property and casualty (20 hours per line), apply through NIPR, and request a criminal background report from the Administrative Office of the Courts (AOC).
The passing standard is 70% of the questions answered correctly (806 KAR 9:025, Section 2). DOI's study outlines list 50 questions for the Property exam and 50 questions for the Casualty exam, with 4 and 5 of them on the Kentucky Insurance Code respectively. DOI does not publish an exam time limit. Exams are taken by appointment at a DOI test site (most are at regional community and technical colleges).
Kentucky Property & Casualty Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| Property exam: Principles of Insurance; The Insurance Contract; Company Organization and Regulation; The Insurance Transaction | 10 (20%) | Risk, insurable interest, contract basics, applications, underwriting, rating, cancellation and nonrenewal |
| Property exam: Introduction to Property Insurance; Dwelling Insurance | 6 (12%) | Insuring agreements, perils, exclusions, conditions, valuation, coinsurance, deductibles |
| Property exam: Homeowners Insurance | 5 (10%) | Homeowners forms and endorsements |
| Property exam: Personal Auto; Miscellaneous Personal Insurance | 7 (14%) | Auto physical damage, flood, earthquake, mobile homes, watercraft, FAIR plans |
| Property exam: Commercial Package Policy; Businessowners Policy; Commercial Property | 9 (18%) | Commercial package, businessowners, commercial property, builders risk, business income |
| Property exam: Ocean and Inland Marine; Commercial Crime; Miscellaneous Commercial | 9 (18%) | Marine, crime, farm, boiler and machinery |
| KY — Property exam: Insurance Code, Kentucky Law | 4 (8%) | Licensing, continuing education, unfair practices, surplus lines, contract rules, cancellation and nonrenewal, guaranty fund, fraud |
| Casualty exam: Principles; The Insurance Contract; Company Organization; The Insurance Transaction | 13 (26%) | Risk, insurable interest, contract validity, policy parts, applications, binders, underwriting, rating, certificates, waiver and estoppel |
| Casualty exam: Introduction to Liability Insurance | 4 (8%) | Negligence and its defenses, comparative negligence, insuring agreements, exclusions, conditions |
| Casualty exam: Homeowners Section II; Personal Auto; Miscellaneous Personal | 9 (18%) | Section II liability, Parts A–F of the personal auto policy, uninsured and underinsured motorists, watercraft, personal umbrella |
| Casualty exam: Commercial Package; Businessowners; Commercial General Liability | 8 (16%) | CGL coverages, occurrence and claims-made forms, businessowners conditions |
| Casualty exam: Commercial Auto; Commercial Crime; Miscellaneous Commercial | 6 (12%) | Business auto, garage and truckers forms, fidelity bonds, farm, aviation, professional liability, surety |
| Casualty exam: Workers' Compensation | 5 (10%) | Benefits, compensable injuries, types of disability, compulsory versus elective coverage |
| KY — Casualty exam: Insurance Code, Kentucky Law | 5 (10%) | Agent licensing and related KRS provisions, surplus lines, unfair practices and claims settlement, auto insurance plan, personal auto declination, nonrenewal and cancellation, guaranty fund, no-fault auto, insurance fraud, workers' compensation (KRS 342) |
Counts are from the Kentucky DOI Property and Casualty license outlines (based on the Kaplan manual, April 2010 revisions), each totaling 50 questions. Unit numbers are skipped in each outline because the two exams share one manual. DOI publishes no exam time limit, so confirm current counts and timing with DOI before you test.
What Makes the Kentucky Property & Casualty Exam Different
Choice no-fault auto law. Kentucky is a choice no-fault state. KRS 304.39-060 partially abolishes tort liability for bodily injury to the extent basic reparation benefits (BRB) cover the loss, but any person may refuse the limitation on tort rights. The rejection must be in writing or electronic form prescribed by DOI and filed before the accident it will apply to. A person who rejects keeps full tort rights but generally cannot collect BRB (subsections (4), (7), and (8)).
Threshold for suing. For a person who accepted the limitation, noneconomic damages such as pain and suffering are recoverable only if medical expense benefits exceed $1,000 or the injury involves a listed serious outcome such as permanent disfigurement, certain fractures, loss of a body member, permanent loss of bodily function, or death (KRS 304.39-060(2)).
Required minimum security. KRS 304.39-110 is met by split limits of at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage, or a single limit of at least $60,000, plus basic reparation benefits as defined in KRS 304.39-020(2). DOI's no-fault rejection form describes BRB of $10,000 per person. Motorcycle security needs only the liability coverages.
Separate exams, one combined fee. Property and casualty each have their own exam, and DOI's fee schedule lists one $50 fee for the combined P&C exam when both are taken at the same time. The pre-licensing requirement is 40 hours for P&C (20 per line) under 806 KAR 9:025, Section 1.
Appointment and renewal. The insurer must appoint you within 15 days (806 KAR 9:025, Section 7), at a listed $40 fee per insurer. Licenses renew every two years by the last day of your birth month with 24 hours of continuing education, including 3 hours of ethics, and up to 12 excess hours carry forward.
Sample Kentucky Property & Casualty Insurance Exam Questions
1. Under KRS 304.39-110, which split limits liability coverage satisfies Kentucky's minimum security requirement for a private passenger auto?
2. Under KRS 304.39-060, how may a Kentucky motorist reject the limitation on his or her tort rights?
3. A Kentucky motorist has accepted the tort limitation. Under KRS 304.39-060(2)(b), noneconomic damages are recoverable if medical expense benefits exceed:
Study Tips for the Kentucky Property & Casualty Exam
Kentucky tests property and casualty separately, so plan two exams. On DOI's outlines, homeowners, personal auto, and miscellaneous personal lines are the heaviest property topics (12 of 50 questions), while personal auto and workers' compensation anchor the Casualty exam (5 questions each).
Learn the choice no-fault mechanics cold: the $1,000 medical expense threshold, written or electronic rejection filed before the accident, and who may reject (KRS 304.39-060). The Casualty outline gives Kentucky law 5 of 50 questions and names no-fault auto, the auto insurance plan, and personal auto declination.
On a 50-question exam, 70% is 35 correct answers. You have a 120-day scheduling window with unlimited attempts, and each scheduled retake costs $50.
Licensing in a nearby state? See the Tennessee property and casualty practice exam or the Ohio property and casualty practice exam. General exam help is in our insurance exam study guide.
How to Get Your Kentucky Property & Casualty Insurance License
There are four steps to get your Kentucky property and casualty insurance license.
Steps to Get Your Kentucky Property & Casualty Insurance License
| Step | What to Do |
|---|---|
| 1. Pre-License Education | Complete 40 hours of Commissioner-approved study for property and casualty (20 hours per line). Your provider reports completion on Form CPL-01, and the signed and dated certificate must be uploaded to DOI. |
| 2. Apply & Background Report | Apply through NIPR and request your criminal background report from the AOC. About a day later, create a Kentucky eServices individual license account and upload the pre-licensing certificate and AOC report as PDFs. Review takes up to 5 business days at the Kentucky Department of Insurance. |
| 3. Licensing Exams | Schedule the Property and Casualty exams in eServices once DOI processes your application, and answer at least 70% correctly on each. DOI's fee schedule lists a combined $50 fee when they are taken together. |
| 4. Appointment & Maintenance | An insurer must appoint you within 15 days. Renew every two years by the last day of your birth month with 24 hours of continuing education, including 3 hours of ethics. |
Kentucky Property & Casualty Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| License type | Agent (insurance producer), Property and Casualty lines |
| Pre-license education | 40 hours (20 per line); certificate valid for one year |
| Exams | Separate Property and Casualty exams |
| Questions | Property outline: 50; Casualty outline: 50 (outlines dated April 2010) |
| Time limit | Not published by DOI |
| Passing score | 70% |
| Exam fee | $50 for P&C when taken together; $50 per retake (DOI fee schedule revised 4-2021) |
| License fee | $40 resident individual license, plus $40 for each line of authority (fee schedule revised 4-2021) |
| Background check | AOC criminal background report, valid for 60 days |
| Auto security | $25,000/$50,000/$25,000 split limits or $60,000 single limit, plus basic reparation benefits (KRS 304.39-110) |
| Appointment | Insurer appoints within 15 days; $40 per insurer |
| Continuing education | 24 hours per period including 3 ethics; up to 12 excess hours carry forward |
| Exam provider | Kentucky Department of Insurance |
| Licensing authority | Kentucky Department of Insurance |
Verified against Kentucky DOI licensing pages, its FAQ, exam schedule, fee schedule and study outlines, 806 KAR 9:025, KRS 304.39-060 and 304.39-110, and DOI's no-fault rejection form. The fee schedule and outlines are older documents, and DOI revised its no-fault rejection form in June 2026, so confirm current figures with DOI.
Our free Kentucky property and casualty practice exam covers property, casualty, concepts, and Kentucky law. You can also try the Kentucky life and health practice exam or the insurance 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 — Kentucky Property & Casualty Insurance Exam
How many questions are on the Kentucky property and casualty exam?
Kentucky gives separate Property and Casualty exams. DOI's published study outlines list 50 questions for each. DOI does not publish a time limit, so confirm the current format with DOI before you test.
What is the passing score for the Kentucky P&C exam?
You must answer 70% of the questions correctly (806 KAR 9:025, Section 2).
Who administers the Kentucky insurance exam?
The Kentucky Department of Insurance administers it directly. You schedule an appointment in Kentucky eServices and test at a DOI test site (most are at regional community and technical colleges).
Does Kentucky require pre-licensing for property and casualty?
Yes. Resident applicants must complete 40 hours of Commissioner-approved study for property and casualty insurance, which is 20 hours for each line (806 KAR 9:025, Section 1).
What are Kentucky's minimum auto liability limits?
KRS 304.39-110 requires split limits of at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage, or a $60,000 single limit, plus basic reparation benefits. The 2026 no-fault bill (HB 627) did not change these limits. Confirm current limits with DOI.
Can a Kentucky motorist reject no-fault?
Yes. Any person may refuse the limitation on tort rights by a written or electronic rejection on a DOI-prescribed form filed before the accident (KRS 304.39-060(4)). A person who rejects keeps full tort rights but generally cannot collect basic reparation benefits.
How much does the Kentucky P&C exam cost?
DOI's fee schedule (revised April 2021) lists $50 per exam, with a combined $50 fee for property and casualty when taken at the same time, and $50 for each retake.
How often must a Kentucky agent renew?
Every two years by the last day of the birth month, with 24 hours of continuing education including 3 ethics hours. The renewal fee is $0 for an agent with an active appointment.