Free practice + study guide

Property & Casualty Insurance Producer

California Property and Casualty Broker-Agent Licence Examination (combined) — 150 questions · 195 minutes · Passing score: 60%. PrepPass also publishes a complete study guide for this exam as a downloadable book (305 pages, 353 practice questions inside, $24.99).

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A printable colour cheat sheet for the exam: the format, the content areas and the figures it turns on, each checked against a named source and dated.

California Property & Casualty Insurance Producer cheat sheet PDF — $9.99 →

6 pages · US Letter · printable PDF · yours to keep

01

Test what you know · free, all of it

Five ways to practise.

The same 531 questions, dealt five ways. Pick the one that fits the time you have.

02

Learn what the questions test

Practice finds the gaps. Reading closes them. The ten chapters below are free to read online. The study guide book is a separate download, sold on its own page.

Practice · free
531
questions, each explained — finds what you don't know yet
Learn · the guide
305
pages in the study guide book, section by section

The ten sections, as chapters

free to read online
  1. 1General Insurance Principles (P&C Lens)General Insurance PrinciplesRead free →
  2. 2California Insurance Code & Ethics for P&CCalifornia Insurance Code & EthicsRead free →
  3. 3Property Insurance FundamentalsRead free →
  4. 4Dwelling Policy (DP)Read free →
  5. 5Homeowners Insurance (HO Forms)Homeowners Policy (HO)Read free →
  6. 6Commercial Property InsuranceCommercial LinesRead free →
  7. 7Auto Insurance — Personal and CommercialPersonal Auto PolicyRead free →
  8. 8Casualty and Liability InsuranceCasualty & Liability InsuranceRead free →
  9. 9Workers' Compensation InsuranceWorkers CompensationRead free →
  10. 10California-Specific P&C RulesCalifornia-Specific RulesRead free →
Cover: California Property & Casualty Broker-Agent Study Guide — 2026 Edition
Study guide · PDF + EPUB
California Property & Casualty Broker-Agent Study Guide — 2026 Edition
305 pages · 353 practice questions inside · updated 2026-09-24
$24.99 one-time · yours to keep
  • 353 original California P&C practice questions, each with a worked explanation, in one PDF + EPUB you keep
03

Before you sit

Know the exam you're walking into.

04

See the questions first

Two from the bank, answered.

Real items, with the answer marked and the reason written out — the same format as all 531.

Homeowners Policy (HO)

An HO-3 policy provides what kind of peril coverage on the dwelling (Coverage A) and on personal property (Coverage C)?

  1. ANamed perils on the dwelling and open perils on personal property
  2. BOpen perils on both the dwelling and personal property
  3. CNamed perils on both the dwelling and personal property
  4. DOpen perils on the dwelling and named perils on personal propertyCorrect

Why: The HO-3 Special Form is the most widely sold homeowners policy precisely because it gives the dwelling and other structures open-peril ("all-risk") protection, meaning any cause of loss is covered unless specifically excluded, while personal property is written on a named-peril basis covering only the 16 listed perils such as fire, lightning, windstorm, theft, and vandalism.ISO HO-3 policy form (industry standard)

Personal Auto Policy

An applicant asks her broker for the minimum bodily injury and property damage liability limits that satisfy California's financial responsibility law for a private passenger auto. Which combination meets the statutory minimum?

  1. A$30,000 / $60,000 / $15,000Correct
  2. B$10,000 / $20,000 / $3,000
  3. C$25,000 / $50,000 / $10,000
  4. D$15,000 / $30,000 / $5,000

Why: Effective January 1, 2025, Senate Bill 1107 (the Protect California Drivers Act) raised California's compulsory auto liability minimum to 30/60/15 — $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage — amending Vehicle Code §16056. The former 15/30/5 limits (in effect 1967–2024) no longer satisfy the financial-responsibility law. The other options are below the current minimum, so they do not satisfy the law.Cal. Veh. Code §16056; Cal. Ins. Code §11580.1(b)

Read all 531 questions with answers →

05

Watch

Answer along on YouTube.

06

The exam itself

Property & Casualty Insurance Producer, by the numbers.

Questions150 questionsCDI and PSI publish no per-exam count of unscored items — only the rule that “a small number of one to ten experimental items, generally, approximately 10% of the number of questions” may be added, unscored, and that they count against examination time. Do not compute a per-exam figure from that.
Time195 minutesUnreconciled conflict between two official sources: the Candidate Information Bulletin revised March 2026 gives 195 minutes for the combined examination, while CDI's own Examination Times table gives 3 hours. The bulletin figure is shown because it is the document CDI hands candidates; both are linked.
SectionsCalifornia Insurance Code & Ethics · Homeowners Policy (HO) · Personal Auto Policy · Commercial Lines · Casualty & Liability Insurance · Property Insurance Fundamentals · Dwelling Policy (DP) · Workers Compensation · General Insurance Principles · California-Specific Rules · Policy Structure & Provisions
Passing score60%CDI: all producer license examinations require a 60 percent score to pass (adjuster and bail examinations require 70 percent). No sectional or per-subject cut score is published — the March 2026 Candidate Information Bulletin was searched in full and contains none. A failing candidate receives a per-topic diagnostic, which is a diagnostic, not a cut score.
Our bank531 questions · updated August 2026Written from California Department of Insurance (CDI)
LanguagesEnglish · 中文, Español, Tiếng Việt (215 of 531 questions translated)
SourceCalifornia Department of Insurance (CDI)Verified 2026-09-03

Full facts and sources →

08

Insurance License Exams

On the same path.

09

Questions

Asked before starting.

Is the practice really free, or does it stop after a few questions?

All 531 questions, the timed mock and the report are free with no sign-up. A free account only adds saving your progress. The study guide book is sold separately, $24.99 one-time; nothing in the practice requires it.

Is your mock the same as the real Property & Casualty Insurance Producer?

No. Ours is 150 questions in 180 minutes; the real exam is 150 questions in 195 minutes. Use the mock for stamina and section timing, not as a score predictor.

What score do I need?

60% — as published by California Department of Insurance (CDI). Confirm the current rule with them before your exam date.

Which insurance license practice test do I need?

The one for the license line you are applying for, in the state that will issue the license. California tests each producer line with its own examination, and PrepPass has a free practice test for each: California Life, Accident and Health (or Sickness) Agent Licence Examination — 150 questions · 195 minutes · Passing score: 60%. California Property and Casualty Broker-Agent Licence Examination (combined) — 150 questions · 195 minutes · Passing score: 60%. California Personal Lines Broker-Agent Licence Examination — 90 questions · 135 minutes · Passing score: 60%. For other states, Insurance License Exams lists 151 insurance exams with free practice.

Who administers the California Property and Casualty Broker-Agent Licence Examination (combined)?

California Department of Insurance (CDI), Producer Licensing Bureau — exam delivered by PSI Services LLC. CDI confirms PSI as the current examination vendor on its own scheduling page.

How many questions are on the California Property and Casualty Broker-Agent Licence Examination (combined)?

150 questions. CDI and PSI publish no per-exam count of unscored items — only the rule that “a small number of one to ten experimental items, generally, approximately 10% of the number of questions” may be added, unscored, and that they count against examination time. Do not compute a per-exam figure from that.

How long is the California Property and Casualty Broker-Agent Licence Examination (combined)?

195 minutes. Unreconciled conflict between two official sources: the Candidate Information Bulletin revised March 2026 gives 195 minutes for the combined examination, while CDI's own Examination Times table gives 3 hours. The bulletin figure is shown because it is the document CDI hands candidates; both are linked.

How much does the California Property and Casualty Broker-Agent Licence Examination (combined) cost?

$188 — Licence filing fee (California Department of Insurance, one-time); $55 — Examination fee, per examination (California Department of Insurance, per attempt); $43 — Convenience fee to test at a PSI location (PSI Services LLC, per attempt); $74 — Live Scan fingerprinting (FBI, DOJ and Capital Live Scan components combined) (Capital Live Scan / FBI / California DOJ, one-time). The renewal fee equals the filing fee; a late renewal is charged at a higher rate. The Live Scan total is the sum of three separately published components, and the Capital Live Scan vendor is new — the Candidate Information Bulletin carries a front-page alert about the change.

What languages is the California Property and Casualty Broker-Agent Licence Examination (combined) offered in?

English · Spanish · Simplified Chinese · Vietnamese · Korean · Tagalog. Offered under AB 451 (Chapter 136, Statutes of 2023), which required CDI to offer license examinations in Spanish, Simplified Chinese, Vietnamese and Korean from 1 January 2024; § 1677 adds Tagalog from 1 July 2024, making six. CDI's own Examination Times table is stale on this point and still lists only Spanish variants.

Is the Property & Casualty Insurance Producer study guide a PDF?

Yes. California Property & Casualty Broker-Agent Study Guide — 2026 Edition downloads as PDF + EPUB (305 pages, 353 practice questions inside), $24.99 one-time, and the files are yours to keep. The 531 practice questions on this page stay free without it. See the study guide →

Practice questions are AI-assisted study material written from California Department of Insurance (CDI) and reviewed by PrepPass — for practice only, not official exam questions. Bank updated August 2026. PrepPass is an independent study resource and is not affiliated with, endorsed by, or approved by California Department of Insurance (CDI).
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