How many questions are on the Pennsylvania Property & Casualty Insurance Exam?

There are 150 multiple-choice questions on the combined Property and Casualty exam.

What is the passing score for the PA-PC exam?

You must achieve a score of at least 70% to pass. The passing score is set by the provider and is the same for every candidate.

How long do I have to complete the exam?

Candidates are given between 2 and 3 hours to complete the test, depending on whether they are taking the combined version or the single-line version.

How much does it cost to take the exam?

It costs $53 to take the combined Property & Casualty exam. If taken separately, the Property and Casualty exams cost $43 each.

Where can I take the Pennsylvania insurance license test?

You can take the exam in-person at a designated PSI test center or remotely via online proctoring.

How much time should I spend studying for the PA P&C exam?

We recommend dedicating roughly 75 hours of structured study time to adequately cover both the national uniform core topics and the dense, Pennsylvania-specific insurance regulations.

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PA-PC · Syllabus & Exam Outline 2026

Pennsylvania Property & Casualty Insurance License Exam

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

Start studying free see the outline ↓

Questions: 150
Time limit: 2-3 hours
Passing score: 70%
Cost: $53 for the combined Property & Casualty exam; $43 each for separate Property or Casualty exams
Format: Multiple-choice
Delivery: In-person at a PSI test center or via online proctoring
Prep time: ~75 hours

Exam overview

The Pennsylvania Property & Casualty Insurance License Exam is the critical final hurdle for individuals seeking to become licensed insurance producers in the state. This comprehensive assessment evaluates a candidate's understanding of foundational insurance concepts, specific property and casualty policy frameworks, and the precise legal regulations that govern the insurance industry within Pennsylvania. Navigating this exam requires memorization of uniform national standards alongside a firm grasp of state-specific statutes. Only Ever makes mastering this extensive content simple by mapping every single syllabus domain to focused, 15-minute study topics. Instead of drowning in massive textbook chapters, candidates can work through carefully sequenced micro-lessons that guarantee comprehensive coverage of both the national core concepts and the specialized Pennsylvania regulations.

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

Focus heavily on distinguishing between the different Homeowners (HO) and Dwelling (DP) policy forms. Pay special attention to what is automatically included versus excluded in Commercial Package Policies and Business Owners Policies. Memorize the basic requirements and functions of the National Flood Insurance Program.

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 identify which Homeowners policy form is specifically designed for condominium unit owners?
What key difference separates a Basic Dwelling Policy (DP-1) from a Special Form Dwelling Policy (DP-3)?

Part A: Property Insurance - Terms and Related Concepts

Review

How does actual cash value differ mathematically and practically from replacement cost?
Can you define proximate cause and explain its importance in determining if a claim is paid?

Part A: Property Insurance - Policy Provisions and Contract Law

Review

Which component of the standard insurance contract lists the actual perils covered?

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

Review

What are the three main parties involved in a surety bond arrangement?

Part B: Casualty Insurance - Terms and Related Concepts

Review

Why is the retroactive date critical in a claims-made liability policy?

Part B: Casualty Insurance - Policy Provisions

Review

What happens during the appraisal process if the two selected appraisers cannot reach an agreement?

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

Review

What acts constitute illegal rebating under Pennsylvania insurance regulations?
Under the PA auto insurance laws, how do limited tort and full tort options impact a driver's ability to sue for pain and suffering?

Quick reference

Essential Industry Acronyms

Common abbreviations you will encounter throughout the exam outline.

BOP: Business Owners PolicyA bundled policy tailored for small to medium-sized businesses.
CPP: Commercial Package PolicyA flexible, modular policy framework for larger businesses.
CGL: Commercial General LiabilityThe standard form used to insure a business against liability claims.
NFIP: National Flood Insurance ProgramFederal program providing flood coverage.
NAIC: National Association of Insurance CommissionersThe standard-setting organization governed by chief insurance regulators.
TRIA: Terrorism Risk Insurance ActFederal backstop for commercial terrorism losses.
FCRA: Fair Credit Reporting ActLaw regulating the collection and use of consumer credit information.

Foundational P&C Glossary

Core legal and functional definitions strictly tested on the exam.

Indemnity

The principle of restoring an insured party to the same financial position they were in prior to a loss, without allowing them to profit.

Subrogation

The legal process where an insurer, after paying out a claim, steps into the shoes of the insured to sue the at-fault third party.

Proximate Cause

The initial uninterrupted event or chain of events that directly causes a loss.

Law of Large Numbers

A statistical premise stating that as the number of exposure units increases, the actual losses will more closely approach expected losses.

Vicarious Liability

Liability assigned to one party for the conduct of another, based solely on a relationship, such as an employer being held responsible for an employee's actions.

Frequently asked questions

Good to know

The exam incorporates nationally uniform knowledge components constructed via the NAIC model alongside mandatory Pennsylvania-specific legislative and regulatory deltas.
Federal laws intersecting with property and casualty operations, such as the Gramm-Leach-Bliley Act and the USA PATRIOT Act, are fully testable.
Strict online and in-person proctoring guidelines are enforced by PSI during test delivery to ensure the integrity of the examination environment.

Reading isn’t remembering.

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

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

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