Nevada Property & Casualty Insurance License Practice Exam
141 scored questions on the combined Pearson VUE Property and Casualty exam, 3 hrs 35 min. Scaled score 70 to pass. No pre-licensing is required. Minimum auto liability limits are 25/50/20.
Nevada Property & Casualty — Study by Topic
Drill Nevada state law or practice general P&C concepts. The combined exam has 141 scored questions in 3 hrs 35 min, with 25/50/20 auto minimums. Pearson VUE OnVUE allows 2 attempts per exam.
Property Insurance
Homeowners (HO-2/3/4/5/6/8), dwelling policies (DP-1/2/3), commercial property, BOP, NFIP, inland marine, earthquake, ACV vs. replacement cost, coinsurance.
Casualty & Liability
Auto (liability, UM/UIM, 25/50/20 minimum limits), CGL, workers' compensation (NRS 616A-616D), umbrella, bonds, professional liability, crime, commercial auto.
Nevada State Law
Commissioner powers (NRS 679B), producer licensing (NRS 683A), Nevada Insurance Guaranty Association (NRS 687A), unfair practices (NRS 686A), cancellation and nonrenewal (NRS 687B), surplus lines (NRS 685A), uninsured/underinsured motorist rules.
P&C Concepts
Subrogation, indemnity, coinsurance, pro rata/short-rate, insurable interest at loss, COI informational, waiver/estoppel, NRS 687B cancellation/nonrenewal, NRS 685A surplus lines.
🌟 Full NV P&C Exam
141-question timed practice exam modeled on the combined Pearson VUE Nevada Property and Casualty exam: 215 minutes, scaled score of 70 to pass, no pre-licensing required.
About the Nevada Property & Casualty Insurance Exam
The Nevada producer exams are administered by Pearson VUE for the Nevada Division of Insurance. Nevada offers separate Property (2 hours), Casualty (2 hours 15 minutes) and Personal Lines (2 hours 15 minutes) exams as well as a combined Property and Casualty exam (3 hours 35 minutes). Each exam has a General portion and a Nevada-Specific portion. The combined exam has 141 scored questions: 50 Property general, 50 Casualty general and 41 Nevada-specific, plus 15 unscored pretest questions that are not identified.
The exam fee is $37 for a single line and $47 for the combined exam, paid when you reserve. Pearson VUE reports scaled scores from 0 to 100, and the passing score is 70 (NAC 683A.270). There is no penalty for guessing, and a failing score report shows a numeric score and diagnostic feedback by content area. The Division of Insurance's licensing page lists no pre-licensing requirement; a course is optional. You must pass within one year before you apply, apply through Sircon (state fee $185), and submit fingerprints within 90 days of applying.
Nevada Property & Casualty Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| Property: I. Types of Policies | 22 | Homeowners HO-2 to HO-8, dwelling DP-1 to DP-3, commercial package and commercial property, business owners, builder's risk, inland marine, NFIP, earthquake, mobile homes, watercraft, farm owners, windstorm |
| Property: II. Insurance Terms and Related Concepts | 15 | Law of large numbers, insurable interest, hazards, perils, loss valuation, proximate cause, deductibles, coinsurance, cancellation and nonrenewal, binders, endorsements |
| Property: III. Policy Provisions and Contract Law | 13 | Declarations, insuring agreement, conditions, exclusions, mortgagee rights, proof of loss, appraisal, subrogation, contract elements, FCRA, GLBA, TRIA |
| Casualty: I. Types of Policies, Bonds, Related Terms | 23 | Commercial general liability, personal and business auto, workers' compensation and employers liability, crime, surety and fidelity bonds, professional liability, umbrella and excess |
| Casualty: II. Insurance Terms and Related Concepts | 15 | Risk, hazards, indemnity, negligence, occurrence, deposit premium and audit, certificates of insurance, damages, FCRA compliance |
| Casualty: III. Policy Provisions | 12 | Declarations, insuring agreement, exclusions, duties after a loss, cancellation and nonrenewal, supplementary payments, other insurance, subrogation, TRIA |
| NV — I. Statutes Common to Life, Health, Property and Casualty | 20 | Commissioner powers (NRS 679B), producer, adjuster, bail and surplus lines licensing, appointments, renewal and CE, unfair claims and marketing practices (NRS 686A), fiduciary duties, Nevada Insurance Guaranty Association (NRS 687A) |
| NV — II. Common to Property and Casualty | 10 | Cancellation and nonrenewal (NRS 687B), rate standards (NRS 686B), countersigning (NRS 680A.300), surplus lines (NRS 685A), motor vehicle physical damage claims and appraisers, binders |
| NV — III. Property Only | 2 | Inland marine and transportation (NRS 681A.050), property insurance defined (NRS 681A.060), property insurance contracts (NRS 691A) |
| NV — IV. Casualty Only | 9 | Uninsured and underinsured motorists (NRS 687B.145, NAC 690B), proof of financial responsibility (NRS 485), premium determination, older driver premium reduction (NRS 690B.029), driver exclusions, workers' compensation (NRS 616A-616D) |
Counts are from the Nevada content outlines published by Pearson VUE (effective October 1, 2024; a November 14, 2026 edition keeps the same structure): Property general 50, Casualty general 50 and Property/Casualty Nevada 41 scored questions, each portion with 5 unscored pretest questions. The single Property exam pairs 50 general with 32 Nevada questions, the Casualty exam 50 with 39, and the Personal Lines exam 75 general with 25 Nevada.
What Makes the Nevada Property & Casualty Exam Different
Combined or separate exams. The Nevada portion is 41 scored questions on the combined exam, 32 on the Property exam and 39 on the Casualty exam. Property has 82 scored questions (2 hours), Casualty has 89 (2 hours 15 minutes), and Personal Lines has 100 (75 general + 25 Nevada, 2 hours 15 minutes). The combined exam costs $47 against $37 for a single line (Pearson VUE candidate handbook).
Auto liability minimums are 25/50/20. NRS 485.185 requires the owner of a registered motor vehicle to carry $25,000 for bodily injury or death of one person, $50,000 for two or more persons and $20,000 for property damage in any one crash. The $20,000 property damage figure is lower than the $25,000 many states use, so do not default to 25/50/25 on exam day.
Cancellation and nonrenewal notices. An insurer that does not want to renew a policy must give notice before expiration: 60 days for commercial or business policies and 30 days for all other policies (NRS 687B.340). Nevada's property-casualty content covers cancellation and nonrenewal in NRS 687B.310-.420.
No pre-licensing, but a one-year window and fingerprints. Nevada does not require pre-licensing education. The score must be earned within one year before you apply (NAC 683A.270), and fingerprints must be submitted within 90 days of applying. With OnVUE you get two attempts per exam, then further attempts must be at a test center.
Sample Nevada Property & Casualty Insurance Exam Questions
1. What are the minimum motor vehicle liability limits Nevada requires of every owner of a registered vehicle?
2. Under NRS 687B.340, how far before expiration must an insurer give notice that it does not intend to renew a commercial or business policy?
3. How much continuing education must a Nevada producer certify before renewal, and how many hours must cover ethics?
Study Tips for the Nevada Property & Casualty Exam
Count your points: Nevada is 41 of 141 scored questions on the combined exam, and 20 of those cover statutes common to every line. Then learn the 10 questions common to property and casualty (cancellation and nonrenewal, rates, countersigning, surplus lines), the 9 casualty-only questions and the 2 property-only questions.
The general portion is large. Property general splits 22 / 15 / 13 (policy types, terms, provisions) and Casualty general splits 23 / 15 / 12. Know the HO and DP forms, commercial property, CGL, auto, workers' compensation and bonds.
You need a scaled 70, not 70% of questions, and a failing score report shows a numeric score plus diagnostics by content area. There is no penalty for guessing, so answer every question. On OnVUE you get two attempts per exam.
Also licensing in life or health? See our Nevada 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 Nevada Property & Casualty Insurance License
There are four steps to get your Nevada insurance producer license for the Property and Casualty lines.
Steps to Get Your Nevada Property & Casualty Insurance License
| Step | What to Do |
|---|---|
| 1. Study (Pre-Licensing Is Optional) | Nevada does not require pre-licensing education, though you may take optional courses listed through Sircon. Review the Pearson VUE content outlines and the Nevada statutes and regulations they cite. |
| 2. Reserve and Take the Exam | Reserve at least 24 hours ahead through Pearson VUE and pay $37 for a single line or $47 for the combined Property and Casualty exam. Bring two forms of signature ID, one government-issued with a photo, or test online with OnVUE (two attempts per exam). |
| 3. Pass the Exam | You need a scaled score of 70. Passing the exam does not guarantee a license, and the score must be earned within one year before you apply. |
| 4. Apply, Fingerprint and Maintain | Apply through Sircon (state fee $185), submit fingerprints within 90 days of applying through an approved vendor, and upload the Fingerprint Background Waiver. To renew, complete 30 hours of CE in each 3-year period, 3 of them in ethics. |
Nevada Property & Casualty Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Lines of authority | Property; Casualty; Personal Lines; Life; Accident and Health and others (NRS 683A.261) |
| Pre-license education | Not required; optional courses are available |
| Exam (combined P&C) | 50 Property general + 50 Casualty general + 41 Nevada scored questions = 141 |
| Exam (single line) | Property: 50 general + 32 Nevada (2 hours); Casualty: 50 general + 39 Nevada (2 hours 15 minutes) |
| Time limit (combined) | 3 hours 35 minutes |
| Passing score | Scaled score of 70 (NAC 683A.270), earned within one year before applying |
| Exam fee | $37 single line; $47 combined (Pearson VUE candidate handbook) |
| Auto liability minimums | $25,000 / $50,000 bodily injury and $20,000 property damage (NRS 485.185) |
| Fingerprints | Submit within 90 days of applying, through an approved vendor |
| Retakes | Wait 24 hours at a test center; OnVUE allows two attempts per exam |
| State application fee | $185 through Sircon (Division of Insurance) |
| Continuing education | 30 hours per 3-year period, 3 in ethics; hours above the requirement do not carry over (NAC 683A.330 and 683A.355) |
| Licensing authority | Nevada Division of Insurance |
Verified against the Pearson VUE Nevada candidate handbook and content outlines, the Nevada Division of Insurance producer page, NRS Chapters 683A, 687B and 485 and NAC Chapter 683A. Fees and requirements change; confirm current figures with the Division and Pearson VUE before you apply.
Our free Nevada Property & Casualty practice exam covers general and Nevada 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 — Nevada Property & Casualty Insurance Exam
How many questions are on the Nevada Property and Casualty exam?
The combined Property and Casualty exam has 141 scored questions: 50 Property general, 50 Casualty general and 41 Nevada-specific. It also has 15 unscored pretest questions. The single Property exam has 82 scored questions and the single Casualty exam has 89.
How long is the Nevada Property and Casualty exam?
The combined exam allows 3 hours 35 minutes. The single Property exam allows 2 hours, and the Casualty and Personal Lines exams 2 hours 15 minutes each.
What is the passing score for the Nevada insurance exam?
A scaled score of 70, set under NAC 683A.270. Scaled scores run from 0 to 100 and are adjusted for form difficulty, so they are not a percentage of questions answered correctly.
What are Nevada's minimum auto liability limits?
$25,000 for bodily injury or death of one person, $50,000 for two or more persons and $20,000 for property damage in any one crash (NRS 485.185).
Does Nevada require pre-licensing education?
No. The Division of Insurance says pre-licensing is not required, though you may take an optional course for the lines you apply for.
Does Nevada require fingerprints?
Yes. Submit fingerprints within 90 days of applying, through an approved vendor, and upload the signed Fingerprint Background Waiver Form with your application.
How much does the Nevada exam cost?
$37 for a single-line exam and $47 for the combined Property and Casualty exam, paid when you reserve. The Division of Insurance charges a $185 state application fee.
What are the continuing education requirements?
30 hours of approved CE in the 3-year period before renewal, 3 of them in ethics. Hours above the requirement cannot be carried into the next period, and the Commissioner exempts holders of the CPCU, CLU, CIC, CFP or ChFC designation (NAC 683A.330).
Practice Exam Questions — Nevada Property & Casualty
5 state-specific questions based on official sources. Correct answer highlighted in green.
What is the passing score on the Nevada insurance producer exams?
- A scaled score of 70
- 80% of questions correct
- 75% of questions correct
- A scaled score of 80
What minimum property damage liability limit does Nevada require for a registered motor vehicle?
- $10,000
- $15,000
- $20,000
- $25,000
How many scored questions are on the Nevada-specific portion of the combined Property and Casualty exam?
- 25
- 32
- 41
- 50
How many attempts does Nevada allow for an exam taken with OnVUE online proctoring?
- One
- Two
- Three
- Unlimited
How many hours of pre-licensing education does Nevada require?
- 20 hours per line
- 40 hours per line
- 50 hours per line
- None; a course is optional