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Alabama Property & Casualty Insurance License Exam Cram Sheet (2026)
The highest-yield points on the Alabama Property & Casualty 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.
12content areas
General Insurance Principles
12% of the exam- Risk, Peril, and Hazard
- Law of Large Numbers and Adverse Selection
- Insurable Interest and Indemnity
- Special Features of Insurance Contracts
Property Insurance Fundamentals
12% of the exam- Named Perils vs. Open Perils
- Valuation: ACV vs. Replacement Cost
- Deductibles and Coinsurance
- Other Insurance and Subrogation
Dwelling Policy (DP)
10% of the exam- Purpose and Eligibility
- The Three Dwelling Forms
- Coverage Structure
Homeowners Policy (HO)
15% of the exam- The Homeowners Forms
- Section I: Property Coverages
- Section II: Liability Coverages
Personal Auto Policy
14% of the exam- The Four Coverage Parts
- Collision vs. Other-Than-Collision
- Limits: Split vs. Combined Single Limit
- Uninsured vs. Underinsured Motorists
Casualty & Liability Insurance
12% of the exam- Negligence and Its Elements
- Categories of Liability
- Liability and Umbrella Policies
Commercial Lines
10% of the exam- Commercial Property and General Liability
- Package Policies and Business Income
- Specialty Property Lines
Workers Compensation
7% of the exam- The No-Fault Bargain
- Benefits Provided
- Structure of the Policy
Policy Structure & Provisions
8% of the exam- The Four Parts of a Policy
- Key Policy Conditions
- Binding and Terminating Coverage
Alabama P&C Law & Coverage Requirements
45% of the exam- Compulsory Auto Liability Limits in Alabama
- How Alabama Settles Auto Injury Claims
- Cancellation, Nonrenewal, and Dwelling/Homeowners Coverage
Alabama Producer Licensing & Continuing Education
30% of the exam- The Alabama Department of Insurance and Its Authority
- License Qualifications and Appointments
- Continuing Education and Renewal
Alabama Market Conduct, Ethics & Unfair Practices
25% of the exam- Unfair Trade Practices
- Rebating and Twisting
- Fiduciary Duty and Client Funds
Now prove you know them
Reading the outline is not the same as recalling it under exam pressure. Drill 50+ free Alabama Property & Casualty 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 Alabama Department of Insurance. Last verified: August 2026.