How many questions are on the Florida P&C exam?

The Florida Property & Casualty exam consists of 175 total questions, which includes 160 scored items and 15 unscored pretest items.

How much time is given to complete the FL-PC exam?

Candidates are given a maximum of 3 hours to complete the entire multiple-choice examination.

What is the passing score for the Florida P&C Insurance Exam?

You must achieve a score of 70% to pass. This is a fixed-cutoff exam; the passing score is set by the provider and is the same for every candidate.

How many hours should I study for this license exam?

While it varies by individual background, we recommend dedicating approximately 75 hours of structured study time to thoroughly cover both national principles and Florida-specific laws.

Does the exam cover Florida-specific state laws?

Yes, heavily. Over 27% of the exam falls under the General Insurance Regulation section, which extensively tests your knowledge of Florida statutes, DFS/OIR regulations, PIP laws, and specific residual markets.

Who administers the Florida P&C Insurance test?

The exam is delivered via computer-based testing at Pearson VUE testing centers on behalf of the Florida Department of Financial Services.

← Insurance Licensing

FL-PC · Syllabus & Exam Outline 2026

Florida Property & Casualty Insurance License Exam

Exam-aligned study paths covering the national Property & Casualty insurance core plus Florida insurance law - Florida Office of Insurance Regulation rules, licensing, and state-specific requirements - in retention-first 15-minute topics.

Start studying free see the outline ↓

Questions: 175 (160 scored, 15 unscored)
Time limit: 3 hours
Passing score: 70%
Cost: $44
Format: Multiple choice
Delivery: Computer-based testing via Pearson VUE
Prep time: ~76 hours

Exam overview

The Florida Property & Casualty Insurance License Exam is the regulatory gateway for aspiring insurance professionals wishing to sell property and casualty lines in the state. Administered by Pearson VUE on behalf of the Florida Office of Insurance Regulation (OIR) and Department of Financial Services (DFS), the exam assesses your comprehension of national insurance core concepts and Florida-specific insurance statutes. Candidates must demonstrate proficiency across two main disciplines: fundamental property and casualty principles—ranging from policy types and contract law to underwriting and liability metrics—and state-specific regulations. A significant portion of the test evaluates your knowledge of Florida's distinct regulatory environment, including Personal Injury Protection (PIP) auto laws, the Florida Insurance Guaranty Association (FIGA), and residual market structures like Citizens Property Insurance Corporation. To help streamline your preparation, Only Ever breaks down the entire exam curriculum into focused, 15-minute study topics. This syllabus serves as a roadmap to navigating the varying domain weights, ensuring you study efficiently and effectively. Review the outlines below to target your weakest areas and build confidence for exam day.

Exam domains & weighting

Each domain's share of the exam — study deepest where the weight is highest. Open one for how to study it and its objectives.

How to study this domain

Dedicate time to distinguishing the nuances between the different Homeowners (HO-2 through HO-8) and Dwelling (DP-1 through DP-3) policies. Create a comparison chart for commercial coverages, paying special attention to the Business Owners Policy (BOP) versus the Commercial Package Policy (CPP).

Key objectives

Homeowners Policies (HO-2 through HO-8)
Dwelling Policies (DP-1, DP-2, DP-3)
Commercial Package Policy and Commercial Property Forms
Business Owners Policy (BOP), Builders Risk, and Cyber
Inland Marine Insurance
National Flood Insurance Program
Other Property Policies

Study this domain

Readiness self-check

Tick off everything you can confidently explain. Anything left unchecked is your study list — tap “Review” to jump straight into that domain.

Readiness

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Part A: Property Insurance - Types of Policies

Review

Can you explain the difference in perils covered between an HO-2, HO-3, and HO-5 policy?
Do you know which commercial enterprises qualify for a Business Owners Policy (BOP) versus a CPP?

Part A: Property Insurance - Terms and Related Concepts

Review

Can you distinguish between moral, morale, and physical hazards with specific examples?
Are you able to calculate a claim payout given a specific coinsurance penalty scenario?

Part A: Property Insurance - Policy Provisions and Contract Law

Review

Can you define the four essential elements required for a legal contract?
Do you understand the rights extended to a mortgagee in a property insurance contract?

Part B: Casualty Insurance - Types of Policies, Bonds, and Related Terms

Review

Can you outline what is excluded under Coverage A (Bodily Injury and Property Damage) of a CGL policy?
Do you understand the difference between a surety bond and a fidelity bond?

Part B: Casualty Insurance - Terms and Related Concepts

Review

Can you articulate how a retroactive date functions on a claims-made liability policy?
Are you able to differentiate between absolute, strict, and vicarious liability?

Part B: Casualty Insurance - Policy Provisions

Review

Can you describe the insured's duties immediately following a liability loss or lawsuit?
Do you know how the appraisal clause works to resolve valuation disputes?

Part VII: General Insurance Regulation (Nationally-Uniform Framework)

Review

Can you explain Florida's Personal Injury Protection (PIP) no-fault requirements?
Do you know the specific limits and covered claims handled by the Florida Insurance Guaranty Association (FIGA)?
Are you familiar with the timeline and continuing education requirements to maintain a Florida producer license?

Quick reference

Essential Insurance Acronyms

Common policy and regulatory abbreviations appearing on the exam.

BOP: Business Owners PolicyA bundled property/liability package designed for small to medium-sized businesses.
CGL: Commercial General LiabilityCore commercial liability coverage protecting against premises, operations, and products hazards.
CPP: Commercial Package PolicyA highly customizable commercial insurance package.
FCRA: Fair Credit Reporting ActFederal law regulating the collection, dissemination, and use of consumer credit information.
FIGA: Florida Insurance Guaranty AssociationState mechanism that pays covered claims for insolvent property and casualty insurers.
NAIC: National Association of Insurance CommissionersThe standard-setting and regulatory support organization created by chief insurance regulators.
NFIP: National Flood Insurance ProgramFederal program providing flood insurance to participating communities.
PIP: Personal Injury ProtectionFlorida's mandatory no-fault automobile insurance coverage.
TRIA: Terrorism Risk Insurance ActFederal backstop for insurance claims related to acts of terrorism.

Key Terminology & Valuation Principles

Foundational insurance terminology and loss valuation concepts to recall.

Actual Cash Value (ACV)

A loss valuation method calculated as the replacement cost of property minus physical depreciation.

Indemnity

The foundational principle of insurance aiming to restore the insured to their exact pre-loss financial state without allowing for profit.

Law of Large Numbers

A statistical concept stating that as the number of independent exposure units increases, the actual losses will increasingly match the expected probability of loss.

Pure Risk vs. Speculative Risk

Pure risk involves only a chance of loss or no loss (insurable), whereas speculative risk involves the chance of gain, loss, or no loss (uninsurable).

Subrogation

The legal right of an insurance company, after paying a claim, to pursue the at-fault third party to recover the amount paid.

Vicarious Liability

A legal concept where one party is held legally responsible for the actions or omissions of another party (e.g., an employer liable for an employee).

Frequently asked questions

Good to know

The exam includes 15 unscored pretest questions mixed in with the 160 scored items.
Calculators and other tools are governed by Pearson VUE center policies; personal electronic devices are strictly prohibited.
The exam is multiple-choice only and does not contain constructed-response or essay questions.
Exam appointments must be scheduled through Pearson VUE and require a $44 registration fee.

Reading isn’t remembering.

Florida Property & Casualty prep blends nationally-uniform insurance concepts with Florida-specific law, and most materials muddle the two.

Only Ever teaches the shared national Property & Casualty core once, then layers Florida insurance law - regulation, licensing, unfair practices, guaranty protection, and state-specific rules - as focused 15-minute topics.

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