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Florida Personal Lines Insurance License Exam Cram Sheet (2026)
The highest-yield points on the Florida Personal Lines Insurance Licenseexam, grouped by the exam's real content areas. Print it, review the ones you keep missing, then drill them with free practice questions.
9content areas
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 the outline is not the same as recalling it under exam pressure. Drill 39+ free Florida Personal Lines Insurance License practice questions to find your weak areas, then sit a full timed mock — no signup, no paywall.
Study aid, not a substitute for the official material — always confirm the current rule with Florida Department of Financial Services. Last verified: August 2026.