North Carolina Property & Casualty Insurance Practice Exams
NC requires separate exams for Property and Casualty — each 55 scored questions in 1 hr 15 min. The passing score is set by NCDOI. Practice both below.
🌟 Property Insurance Exam
Covers property coverages, homeowners policies, commercial property, NC FAIR Plan, Beach Plan, and NC property statutes — G.S. Chapter 58.
Casualty Insurance Exam
Covers general liability, auto liability, workers' comp, bonds, and NC casualty statutes including the NC Rate Bureau and Motor Vehicle Reinsurance Facility — G.S. Chapter 58.
About the North Carolina Property & Casualty Insurance Exam
North Carolina licenses the Property and Casualty lines through separate exams, the Property Agent exam and the Casualty Agent exam. Pearson VUE administers them for the North Carolina Department of Insurance (NCDOI). Each exam has 55 scored four-option questions plus 5 unscored pretest questions and allows 1 hour 15 minutes. The exams are two-part, with both parts scored together. The candidate handbook says the passing score was set by NCDOI but does not publish it, and a numeric scaled score (0 to 100) is shown only to candidates who fail.
Applications submitted on or after October 1, 2025 do not require prelicensing education, because Session Law 2025-45 repealed the 20-hour requirement in G.S. 58-33-30(d). The exam fee is $45 per attempt, a license application is valid for 6 months, and you need a valid Social Security number (an ITIN is not accepted). Most agent licenses, including Property and Casualty, require Live Scan fingerprints. Exams are taken in person, and walk-in testing is not available.
North Carolina Property & Casualty Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| Property: Terms and Concepts | 7 | Risk, peril, hazard, indemnity, insurable interest, deductibles, loss valuation, policy structure |
| Property: Personal Insurance Coverages | 25 | Standard fire policy (4), dwelling forms DP-1, DP-2 and DP-3 (4), homeowners policies and endorsements (12), other personal policies (1), flood insurance (3), watercraft (1) |
| Property: Commercial Insurance Coverages | 10 | Building and business personal property forms, causes of loss, optional coverages, business income, extra expense, equipment breakdown, inland marine |
| Casualty: Terms and Concepts | 7 | Liability terms, deposit premiums and audits, liability limits, binders, endorsements, policy structure |
| Casualty: Personal Insurance Coverages | 18 | Personal auto policy (definitions, parts A through D, cancellation, optional coverages), personal umbrella liability, watercraft liability and hull |
| Casualty: Commercial Insurance Coverages | 15 | General liability, commercial auto, workers' compensation, surety and fidelity bonds, commercial umbrella, crime coverage, package policies |
| NC — Property: Statutes and Regulations Pertinent to Property | 13 | Rate bureau, fire policies, beach property, fair access, guaranty fund, consumer division rules |
| NC — Casualty: Statutes and Regulations Pertinent to Casualty | 15 | Motor vehicle rules, the rate bureau and reinsurance facility, workers' compensation law, consumer division rules |
Counts are from the North Carolina Insurance Content Outlines published by Pearson VUE (document 123415, effective March 2, 2026). The Property and Casualty outlines each carry 55 scored questions; each exam also includes 5 unscored pretest questions that are not identified. Subtopics are condensed.
What Makes the North Carolina Property & Casualty Exam Different
Property and Casualty are separate exams. NCDOI lists the Property Agent and Casualty Agent exams separately, each 1 hour 15 minutes, so you need to pass the exam for each line you want. A separate Personal Lines Agent exam (1 hour 45 minutes) also exists.
Prelicensing was repealed for new applications. For applications submitted on or after October 1, 2025, North Carolina no longer requires the 20 hours of instruction per line, and the Commissioner may not require any specific amount of instruction (G.S. 58-33-30(d), S.L. 2025-45).
Minimum auto limits rose on July 1, 2025. For policies issued or renewed on or after July 1, 2025, the minimum liability limits under G.S. 20-279.21 are $50,000 per person and $100,000 per accident for bodily injury, and $50,000 for property damage, up from $30,000, $60,000 and $25,000. Underinsured motorist coverage must be included in all new or renewed policies (S.L. 2023-133, as amended by S.L. 2024-29).
The North Carolina Rate Bureau. G.S. 58-36-1 created the Rate Bureau to promulgate and propose rates for residential property, private passenger auto, and workers' compensation loss costs. It also handles workers' compensation assigned risks certified as difficult to place.
Weight of North Carolina law. The Property exam has 13 of 55 scored questions on North Carolina statutes and regulations, covering the rate bureau, fire policies, beach property, fair access and the guaranty fund. The Casualty exam has 15, including motor vehicle rules, the reinsurance facility and workers' compensation law.
Flood training. Resident property and personal lines licensees complete 3 hours of flood continuing education in their first compliance period and every other period after, in addition to 24 hours every two years that include 3 hours of ethics.
Sample North Carolina Property & Casualty Insurance Exam Questions
1. A North Carolina auto policy is issued on August 1, 2025. What minimum liability limits apply under G.S. 20-279.21?
2. Under G.S. 58-36-1, what is one of the duties of the North Carolina Rate Bureau?
3. Beginning July 1, 2025, what does NCDOI say about underinsured motorist (UIM) coverage on North Carolina auto policies?
Study Tips for the North Carolina Property & Casualty Exam
Personal coverages carry the most weight: 25 of 55 questions on Property and 18 of 55 on Casualty. Know homeowners forms and endorsements, dwelling forms DP-1 through DP-3, and the personal auto policy parts A through D.
Learn the new auto limits (50/100/50) and the July 1, 2025 changes, since older study materials still show 30/60/25. North Carolina law is 13 questions on Property and 15 on Casualty.
The passing score is not published and you see a numeric score only if you fail, so aim for mastery across all sections. The exam is timed at 1 hour 15 minutes for about 60 questions, so practice pacing.
Also licensing in life or health? See our North Carolina Life & Health practice exams. National content is in our property and casualty practice exam, and our insurance license exam study guide covers exam strategy.
How to Get Your North Carolina Property & Casualty Insurance License
There are four steps to get your North Carolina insurance producer license for Property and Casualty.
Steps to Get Your North Carolina Property & Casualty Insurance License
| Step | What to Do |
|---|---|
| 1. Prepare for the Exam | North Carolina no longer requires prelicensing education for applications submitted on or after October 1, 2025 (S.L. 2025-45). Approved prelicensing courses are still published if you want one, and the Pearson VUE content outline for the Property and Casualty exams is the study blueprint. |
| 2. Apply and Register | File your producer application (it is valid for 6 months and you must pass before its end date), then reserve your exam with Pearson VUE using your legal name. You need a valid Social Security number, and the exam fee is $45 per attempt. NCDOI's chart lists a $38 electronic application fee for most licenses. |
| 3. Pass the Exam | Bring two forms of current signature ID, one of them government-issued with a photo. Each exam allows 1 hour 15 minutes. Failing candidates see a numeric score and may reschedule after 24 hours. |
| 4. Fingerprint and Maintain | Submit Live Scan fingerprints (cards are not accepted) with the SBI release form, within 30 days of the application. Once licensed, complete 24 hours of continuing education every two years, including 3 hours of ethics. |
North Carolina Property & Casualty Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Exams | Property Agent and Casualty Agent (separate exams) |
| Questions | 55 scored plus 5 unscored per exam; four-option multiple choice |
| Time limit | 1 hour 15 minutes per exam |
| Passing score | Set by NCDOI and not published; scaled 0 to 100, numeric score shown only to failing candidates |
| Pre-license education | Not required for applications submitted on or after October 1, 2025 (S.L. 2025-45) |
| Auto liability minimums | $50,000 / $100,000 / $50,000 for policies issued or renewed on or after July 1, 2025 (G.S. 20-279.21) |
| Flood CE | 3 hours for property and personal lines licensees in the first period and every other period |
| Exam provider | Pearson VUE (in-person; walk-ins not available) |
| Exam fee | $45 per attempt (candidate handbook, October 2025) |
| License application | Valid for 6 months; NCDOI chart lists $38 for most electronic applications |
| Fingerprints | Live Scan required for most agent licenses; SBI release form uploaded to NIPR |
| Retakes | Wait 24 hours; no attempt limit stated |
| Continuing education | 24 hours every two years, including 3 hours of ethics |
| Identification | Two forms of current signature ID, one government-issued with photo |
| Licensing authority | North Carolina Department of Insurance |
Verified against the NCDOI and Pearson VUE candidate handbook (October 2025), Pearson VUE content outlines (March 2026), NCDOI notices, Session Law 2025-45 and North Carolina General Statutes. Fees and times change; confirm current figures with NCDOI and Pearson VUE before you apply.
Our free North Carolina Property & Casualty practice exams cover general and North Carolina content for both exams. 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 — North Carolina Property & Casualty Insurance Exam
How many questions are on the North Carolina Property and Casualty exams?
Each exam has 55 scored four-option questions plus up to 5 unscored pretest questions, and each allows 1 hour 15 minutes. The exams are two-part, and the parts are scored together.
What are North Carolina's minimum auto liability limits?
For policies issued or renewed on or after July 1, 2025, the minimums are $50,000 per person and $100,000 per accident for bodily injury and $50,000 for property damage (G.S. 20-279.21). Earlier policies carried $30,000, $60,000 and $25,000.
Does North Carolina require pre-licensing education?
No, for applications submitted on or after October 1, 2025. Session Law 2025-45 repealed the 20-hour requirement in G.S. 58-33-30(d), and the Commissioner may not require any specific amount of instruction. NCDOI says approved providers will still be published for applicants who want a course.
What is the passing score?
The Pearson VUE candidate handbook says the passing score was set by the North Carolina Department of Insurance but does not publish the number. Scaled scores range from 0 to 100, and a numeric score is shown only to candidates who fail.
How much does the North Carolina insurance exam cost?
The candidate handbook (October 2025) lists a fee of $45 for each examination attempt, paid when you reserve and non-refundable except under the change and cancel policy. NCDOI's resident licensing chart lists $38 for most electronically submitted license applications.
Does North Carolina require fingerprints?
Yes for most agent licenses, including Life, Accident & Health, Property, Casualty and Personal Lines. Fingerprints must be taken by Live Scan at an authorized law enforcement agency, fingerprint cards are not accepted, and the completed SBI release form must be uploaded to the NIPR Attachment Warehouse. NCDOI's chart says to submit it within 30 days of the application.
How long do I wait to retake the exam?
Candidates must wait 24 hours before scheduling a retake, and each attempt carries its own fee. The handbook sets no maximum number of attempts.
What are the continuing education requirements?
Resident producers complete 24 credit hours every two years, including 3 hours of ethics. Property and personal lines licensees also complete 3 hours of flood in their first period and every other period after. Extra hours carry forward, and missing the deadline expires the license, with 120 days to make up the hours and a $75 reinstatement fee.
NC Property — Practice by Topic
Drill individual domains or take the full 55-question Property exam.
Property Coverages
Homeowners (HO forms), dwelling policies, inland marine, commercial property, NFIP flood, BOP.
Personal Auto
NC minimum limits (50/100/50 from July 1, 2025), NC Rate Bureau auto forms, UM/UIM.
Commercial Lines
CGL, commercial auto, workers' comp, bonds, package policies, BOP, umbrella.
NC State Law — Property
G.S. Chapter 58: NC Rate Bureau, Beach Plan, FAIR Plan, Post Assessment Guaranty, cancellation rules.
🌟
Full Property Exam
55-question exam matching the real Pearson VUE NC Property exam format.
NC Casualty — Practice by Topic
Drill individual domains or take the full 55-question Casualty exam.
Casualty & Liability
CGL, umbrella, professional liability, employers' liability, commercial auto, bonds, workers' comp.
Personal Auto & UM
NC minimum limits (50/100/50 from July 1, 2025), UM/UIM, NC Rate Bureau auto forms, Motor Vehicle Reinsurance Facility.
Workers' Comp
NC workers' comp exclusive remedy, NCIC administration, employers' liability, self-insurance.
NC State Law — Casualty
G.S. Chapter 58: NC Rate Bureau, Motor Vehicle Reinsurance Facility, workers' comp law, cancellation/nonrenewal.
🌟
Full Casualty Exam
55-question exam matching the real Pearson VUE NC Casualty exam format.