How many questions are on the Texas P&C insurance exam?

The Texas Property & Casualty exam consists of 145 total multiple-choice questions. Of these, 130 are scored and 15 are unscored pretest questions.

How long do I have to complete the exam?

Candidates are given a maximum time limit of 150 minutes (2 hours and 30 minutes) to complete the examination.

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

You need a score of 70% to pass. The passing score is set by the Texas Department of Insurance (TDI) and is the same for every candidate.

How much does it cost to get a Texas P&C license?

The immediate costs are around $149, which includes a $50 state application fee, a $49 exam fee paid to Pearson VUE, and an approximate $50 fee for required fingerprinting.

Where do I take the Texas Property and Casualty exam?

The exam is delivered via computer-based testing at authorized Pearson VUE test centers.

What is the hardest part of the Texas P&C exam?

Based on the content outline, the General Insurance Regulation section is the most heavily weighted at over 27%. This section requires detailed memorization of state-specific statutes, licensing rules, and unfair trade practices, making it challenging for many candidates.

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TX-PC · Syllabus & Exam Outline 2026

Texas Property & Casualty Insurance License Exam

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

Start studying free see the outline ↓

Questions: 145 (130 scored, 15 unscored pretest)
Time limit: 150 minutes (2 hours 30 minutes)
Passing score: 70%
Cost: $50 state application fee, $49 exam fee, plus ~$50 fingerprinting fee
Format: Multiple-choice
Delivery: Computer-based testing at Pearson VUE test centers
Prep time: ~65 hours

Exam overview

Preparing for the Texas Property and Casualty Insurance License Exam requires a comprehensive understanding of both national insurance standards and state-specific regulations. This official content outline breaks down the foundational knowledge you will need, ranging from basic insurance terminology and contract law to complex commercial liability concepts. The exam evaluates your readiness to advise clients, underwrite risk accurately, and maintain compliance with the Texas Department of Insurance (TDI). Our study breakdown maps every major domain into manageable, 15-minute study topics using the Only Ever method, allowing you to absorb complex property policies, casualty coverages, and state laws in bite-sized sessions. By understanding the weight of each topic, such as the heavy emphasis on General Insurance Regulation, you can effectively prioritize your study time and approach test day with confidence.

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 on distinguishing between the various policy forms, especially the differences in perils covered under HO-2, HO-3, and HO-5. Create comparison charts for Dwelling versus Homeowners policies and ensure you understand the specific elements of a Commercial Package Policy.

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 distinguish the covered perils of an HO-3 policy from an HO-5 policy?

Part A: Property Insurance - Terms and Related Concepts

Review

How does Actual Cash Value (ACV) differ from Replacement Cost when settling a claim?

Part A: Property Insurance - Policy Provisions and Contract Law

Review

What are the four essential elements required to form a legally valid insurance contract?

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

Review

What types of exposures are covered under Coverage A versus Coverage B in a CGL policy?

Part B: Casualty Insurance - Terms and Related Concepts

Review

Can you explain the difference between an occurrence trigger and a claims-made trigger?

Part B: Casualty Insurance - Policy Provisions

Review

How does the principle of subrogation apply to a casualty claim?

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

Review

What constitutes an unfair trade practice or misrepresentation under the Texas Insurance Code?

Quick reference

Essential Industry Acronyms

Common abbreviations used throughout the property and casualty curriculum.

TDI: Texas Department of InsuranceThe state agency responsible for regulating insurance in Texas.
NAIC: National Association of Insurance CommissionersStandard-setting organization created by chief insurance regulators.
CGL: Commercial General LiabilityPrimary liability policy for commercial operations.
BOP: Business Owners PolicyBundled package policy for small to medium businesses.
NFIP: National Flood Insurance ProgramFederal program providing flood insurance.
TRIA: Terrorism Risk Insurance ActFederal backstop for insurance claims related to acts of terrorism.

Key Insurance Concepts Glossary

Crucial terminology foundational to passing the exam.

Indemnity

The principle of restoring an insured to the same financial condition they were in immediately prior to a loss, without allowing for profit.

Subrogation

The transfer of the insured's right to seek damages from a negligent third party to the insurance company after a claim is paid.

Proximate Cause

An unbroken chain of events leading from a negligent act or peril directly to the resulting injury or property damage.

Law of Large Numbers

A statistical premise stating that the larger the number of similar exposure units, the more predictable the future losses become.

Vicarious Liability

Liability assigned to one party for the conduct of another, based solely on a relationship between the two (e.g., employer and employee).

Frequently asked questions

Good to know

The exam contains 15 unscored pretest questions mixed in with the 130 scored questions.
All questions are presented in a multiple-choice format.
Calculators may be provided or allowed per Pearson VUE guidelines, check your specific test confirmation for current on-screen tool policies.

Reading isn’t remembering.

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

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

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