How hard is the Florida Property & Casualty Insurance License exam?
The Florida Property & Casualty Insurance License exam is a serious, studiable test — its difficulty comes less from any single hard idea than from the breadth of material across 12 weighted content areas. You must score 70%, which leaves little room for guessing. Candidates who drill real practice questions by topic until they consistently clear the standard you need usually pass on the first try — PrepPass has 324+ free Florida Property & Casualty Insurance License practice questions with explanations.
How to make the Florida Property & Casualty Insurance License exam easier
The single best predictor of passing is practicing real questions until you consistently clear the standard you need. PrepPass has 324+ free Florida Property & Casualty Insurance License practice questions with answer explanations and a full timed mock exam — no signup required.
Only in the book: 100 practice questions, every answer reasoned out rather than keyed — none of them in the free bank on this site. Practice here stays free.
The Florida Property & Casualty Insurance License exam at a glance
The 12 content areas on the Florida Property & Casualty Insurance License exam
The exam is built from weighted content areas — focus your study time where the weight is. These weights are how PrepPass has organized the material; check the exam authority’s own outline for its published breakdown.
How the Florida Property & Casualty Insurance License exam is administered
Florida Department of Financial Services (Division of Agent and Agency Services) oversees licensing. The exam is delivered by Pearson VUE. Prelicensing education: 200 hours (2-20 General Lines Property & Casualty Agent). Confirm the current details with the official authority before you rely on them.
Wondering about pass rates and what happens if you don't pass the first time?
See Florida Property & Casualty Insurance Licensepass rate & retake rules →Frequently asked questions
What score do you need to pass the Florida Property & Casualty Insurance License exam?+
You need to score 70% on the Florida Property & Casualty Insurance License exam.
Who regulates property & casualty insurance licensing in Florida?+
The Florida Department of Financial Services (DFS), through its Division of Agent and Agency Services, licenses property & casualty agents. Florida issues the full P&C authority as the 2-20 General Lines Agent license, with the exam delivered by Pearson VUE.
How many prelicensing hours does the Florida 2-20 P&C license require?+
Florida requires a state-approved 200-hour prelicensing course for the 2-20 General Lines (Property & Casualty) Agent license before you can sit for the Pearson VUE exam — far more than the state's 60-hour Personal Lines (20-44) requirement. A score of 70% is required to pass.
What does the Florida 2-20 General Lines license let me sell?+
The 2-20 General Lines Agent license covers the full property and casualty field, including commercial lines — commercial property, commercial auto, general liability, and workers' compensation — in addition to personal auto and homeowners.
How should I study for the Florida Property & Casualty Insurance License exam?+
Focus your time on the heaviest content areas, then drill practice questions by topic until you consistently clear the standard you need. PrepPass has 324+ free Florida Property & Casualty Insurance License practice questions with full explanations and a timed mock exam.
Exam details verified against the official authority:
Florida Department of Financial Services →https://myfloridacfo.com/division/agents/licensing/agents-and-adjusters/exams →https://www.pearsonvue.com/us/en/fl/insurance.html →Last updated: August 2026