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Florida Personal Lines Insurance License Exam Cheat Sheet (2026)
A free, printable Florida Personal Lines Insurance License exam cheat sheet: the 29 highest-yield points to know, grouped into 9 sections that follow the exam's content areas, each section with its published weight.
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- The real Florida Personal Lines Insurance License exam: 70% to pass.
- Prints from your browser (Ctrl-P, or Cmd-P on a Mac) — the navigation, buttons and links drop out of the printed copy.
- 324 free Florida Personal Lines Insurance License practice questions on the same material, every one explained.
- Last updated: August 2026.
Studying in order?
In the Personal Lines Insurance Producer guide: A 55-question practice exam whose key explains every item — the reasoning, not just the letter. Practice here stays free.
General Insurance Principles
14% of the exam- Risk, Peril, and Hazard
- Insurable Interest and Indemnity
- The Insurance Contract
Property Insurance Fundamentals
14% of the exam- Named Perils vs. Open Perils
- Valuation and Deductibles
- Common Exclusions and Recovery
Dwelling Policy (DP)
12% of the exam- Purpose and Eligibility
- The Three Dwelling Forms
- Coverage Letters
Homeowners Policy (HO)
24% of the exam- The Homeowners Forms
- Section I: Property Coverages
- Section II: Liability Coverages
Personal Auto Policy
22% of the exam- The Four Coverage Parts
- Physical Damage: Collision vs. Comprehensive
- Limits and Uninsured Motorists
- Covered Autos
Endorsements & Optional Coverages
7% of the exam- Scheduling Valuable Property
- Broadening and Optional Coverages
- Umbrella Liability
Policy Structure & Provisions
7% of the exam- The Four Parts of a Policy
- Key Conditions
- Binding and Terminating Coverage
Florida Personal Lines Law & Coverage Rules
18% of the exam- Who Regulates Insurance in Florida
- No-Fault Auto and the PIP + PDL Minimums
- Bodily Injury Liability Is Not a Baseline Requirement
- Citizens Property Insurance, Cancellation and Nonrenewal
Florida Producer Licensing, Appointments & CE
10% of the exam- Getting Licensed
- Appointments
- Continuing Education and Renewal
Now prove you know them
Reading an outline is not the same as recalling it under exam pressure. Drill the free Florida Personal Lines Insurance License questions to find the areas you keep missing, then sit a full timed mock.
Study aid, not a substitute for the official material — always confirm the current rule with Florida Department of Financial Services.