Texas Insurance Property and Casualty Practice Exam
General Lines: Property and Casualty
General Lines: Property and Casualty is the Texas general lines license on the property side. The exam pairs national property and casualty material with a Texas portion built around the state's own programs, from TWIA and the FAIR Plan to workers' compensation non-subscribers.
- Questions
- 145
- Scored
- 130
- Time
- 150 min
- To pass
- a scaled score of 70
15 of those questions are unscored pretest items, mixed in without being marked. Answer every question as if it counts.
What exam day looks like
The exam is 145 questions in 150 minutes at a Pearson VUE test center. 130 are scored, 100 general property and casualty and 30 Texas law, and 15 are unscored pretest items. The passing standard is a scaled score of 70, not 70 percent correct.
Pearson VUE's published summary puts the first-time pass rate at roughly 60 percent. Treat that as approximate, since it changes over time.
| Part | Scored questions |
|---|---|
| General property and casualty | 100 |
| Texas law | 30 |
| Pretest, unscored | 15 more |
What the Texas portion covers
Alongside licensing law and unfair practices, the Texas questions cover the state's residual markets and its auto rules. That means the Texas Windstorm Insurance Association and its coverage area, the Texas FAIR Plan and who qualifies for it, and the Texas Automobile Insurance Plan Association for drivers who cannot find coverage elsewhere.
Auto policy rules are a large share: personal injury protection and uninsured or underinsured motorist coverage and how they are declined, and the notice an insurer must give before canceling or nonrenewing. Texas also lets most private employers choose not to carry workers' compensation, and the obligations of those non-subscribers are tested.
Cost and application
The exam costs about 49 dollars at a test center; confirm the current fee with Pearson VUE when you book. After passing, apply to TDI within one year. The application fee is about 50 dollars and most applicants are fingerprinted through IdentoGO, so check tdi.texas.gov for the current figures.
Continuing education is 24 hours every two years, with 3 hours in ethics.
Common questions
- How is this different from the Personal Lines license?
- Personal Lines Property and Casualty is a narrower license with its own exam: 110 questions in two hours against 145 in two and a half hours for General Lines P&C. Both test property and casualty material and Texas law.
- Does the CPCU designation exempt me from the exam?
- Yes. TDI lists the CPCU designation as an exemption from the Property and Casualty exam.
- Do I need a pre-licensing course?
- Not for the permanent license. Passing the exam is the requirement. There is also a one-time, 180-day temporary license that cannot be renewed; TDI sets its conditions.
Related practice tests
Guides
Exam structure and requirements change. Confirm current figures with the state authority and the exam vendor before relying on anything here.