Insurance P&C Practice Test

150 questions90 minutesDetailed explanationsInstant scoring

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About the Real Insurance P&C Exam

The Insurance P&C exam is a standardized assessment used for professional certification, academic evaluation, or licensing. A strong score demonstrates competency and knowledge in the field.

Our Insurance P&C Practice Test

Our Insurance P&C practice test contains 150 original questions written to match the current exam format. Questions cover the full range of topics and difficulty levels specified in the official exam blueprint. Every question is original — never copied from the real exam.

What to Expect

You will answer 150 multiple-choice questions in approximately 90 minutes.
Questions match the real exam's format, difficulty, and content distribution.
After completing the test, you receive an instant score simulation.
Every question includes a detailed explanation showing why the correct answer is right and why each wrong answer is wrong.
You receive a weak-area report identifying which topics need the most study.
Your score report can be saved, printed, or shared.

Try a Sample Question

Insurance P&C — Sample

A homeowner's property is damaged by a fire, and the insurance company pays for the repairs to restore the home to its condition before the fire, without allowing the homeowner to profit from the loss. This principle is fundamental to property and casualty insurance and is known as:

A Subrogation

B Utmost good faith

C Indemnity

D Adhesion

Explanation. The correct answer is indemnity. The principle of indemnity means that the purpose of insurance is to restore the insured to their financial position prior to the loss, without allowing them to gain or profit from the loss. The homeowner in the scenario is made whole (indemnified) but does not end up in a better financial state than before the fire. Subrogation is the right of the insurer to pursu

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