Home / States / Colorado

Colorado property and casualty practice exam

Free property and casualty practice for the Colorado producer exam: 367 general questions plus 14 Colorado state law questions, each with an explanation.

Licensing facts checked on

Loading practice test... If it does not open, reload this page.

Studying for Life and Health? Colorado life and health practice exam

Getting your Colorado property and casualty license

Colorado requires 50 hours of pre-licensing for property and casualty, including 3 hours of ethics. The Pearson VUE exam costs $41, and passing scores are valid for one year.

Exam provider
Pearson VUE
Exam fee
$41 per licensing exam
Exam format
Property: 50 general + 25 Colorado scored questions. Casualty: 50 general + 31 Colorado scored questions. Each section adds 5 pretest questions.
Exam length
Property (03): 2 hours. Casualty (04): 2 hours. Colorado tests property and casualty as separate exams.
Pre-licensing education
50 hours for property, casualty, combined property and casualty, or personal lines, including 3 hours of ethics. The training is valid for one year.
Retakes
Wait 24 hours before booking a retake. You cannot book it at the test center.
How to plan your retake
Retake rules by state
Score valid for
One year from the exam date. Your license application must reach Pearson within that year.
Continuing education
24 hours every 2 years after your first renewal, including 3 hours of ethics and 3 hours on homeowners coverage for property or personal lines producers

Official links

Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Colorado Division of Insurance and your exam's candidate handbook before you register.

Sources

Colorado state law questions

Every Colorado question with its answer, explanation, and the law it comes from.

State laws change. Always confirm details with the Colorado insurance department and your exam's content outline.

Licensing and CE

5 questions

1. How many continuing education hours must a Colorado producer complete every two years under Colorado Regulation 1-2-4?

  1. 24 hours
  2. 12 hours
  3. 20 hours
  4. 36 hours
Show answer
A. 24 hours
Regulation 1-2-4 section 5.A requires 24 credit hours every two years, starting after the first continuation. At least 18 must be approved courses for the producer's license type.
Source: Colorado DOI, Regulation 1-2-4 (Continuing Education), section 5.A

2. Of the 24 required Colorado CE hours, how many must be in ethics?

  1. 1 hour
  2. 3 hours
  3. 6 hours
  4. 12 hours
Show answer
B. 3 hours
Regulation 1-2-4 section 5.A requires at least 3 of the 24 hours to be ethics courses.
Source: Colorado DOI, Regulation 1-2-4, section 5.A

3. How many CE hours may a Colorado producer carry over, if earned in the 120 days before the licensing continuation date?

  1. None
  2. Up to 6 hours
  3. Up to 12 hours
  4. Up to 24 hours
Show answer
C. Up to 12 hours
Regulation 1-2-4 allows up to 12 hours earned in the 120 days before the continuation date to apply to the next period. Hours completed before the first continuation are not eligible.
Source: Colorado DOI, Regulation 1-2-4, sections 4.C and 5.A

4. A Colorado producer licensed for property or personal lines must complete how many CE hours on homeowner's insurance coverage?

  1. 1 hour
  2. 6 hours
  3. No specific hours are required
  4. 3 hours
Show answer
D. 3 hours
Regulation 1-2-4 section 5.A requires a 3-hour homeowner's coverage course for producers licensed for property or personal lines.
Source: Colorado DOI, Regulation 1-2-4, section 5.A

5. How long must a Colorado producer keep CE documentation, and make it available for audit?

  1. 1 year
  2. 2 years
  3. 5 years after license continuation
  4. 10 years
Show answer
C. 5 years after license continuation
Regulation 1-2-4 section 5.D.2 requires producers to keep documentation for 5 years after continuation. Sponsors also keep records for 5 years.
Source: Colorado DOI, Regulation 1-2-4, section 5.D

Auto Insurance

3 questions

1. What are Colorado's minimum auto liability limits?

  1. $25,000 per person, $50,000 per accident, and $15,000 property damage
  2. $25,000 per person, $50,000 per accident, and $10,000 property damage
  3. $30,000 per person, $60,000 per accident, and $15,000 property damage
  4. $15,000 per person, $30,000 per accident, and $15,000 property damage
Show answer
A. $25,000 per person, $50,000 per accident, and $15,000 property damage
The Colorado Division of Insurance lists 25/50/15 as the required liability coverage.
Source: Colorado DOI, Auto Insurance

2. How does Colorado treat uninsured and underinsured motorist coverage on an auto policy?

  1. It is required and cannot be rejected
  2. It is never included without a request
  3. It is included only for vehicles over 10 years old
  4. It is included unless the insured rejects it in writing
Show answer
D. It is included unless the insured rejects it in writing
The Division of Insurance says UM and UIM are included in the policy unless rejected in writing. UIM applies when the other driver's liability limits do not cover the damages.
Source: Colorado DOI, Auto Insurance

3. Colorado auto policies include medical payments coverage of what amount unless the insured rejects it?

  1. $1,000
  2. $5,000
  3. $2,500
  4. $10,000
Show answer
B. $5,000
The Division of Insurance says $5,000 is included unless rejected. It pays regardless of fault and before the insured's health insurance.
Source: Colorado DOI, Auto Insurance

Cancellation and Nonrenewal

2 questions

1. According to the Colorado Division of Insurance, a homeowners insurer must give nonrenewal notice at least how many days before the renewal date?

  1. 10 days, with no reason required
  2. 60 days, with no reason required
  3. 90 days, stating a specific reason
  4. 30 days, stating a specific reason
Show answer
D. 30 days, stating a specific reason
The Division advisory requires at least 30 days before renewal and a specific reason for the nonrenewal.
Source: Colorado DOI, Consumer Advisory on homeowners nonrenewal

2. According to the Colorado Division of Insurance, how much notice is required for a homeowners cancellation for nonpayment of premium?

  1. 30 days
  2. 10 days
  3. 45 days
  4. 60 days
Show answer
B. 10 days
The Division advisory gives 30 days notice for cancellation generally, shortened to 10 days when the reason is nonpayment.
Source: Colorado DOI, Consumer Advisory on homeowners nonrenewal

Residual Markets

3 questions

1. The Colorado FAIR Plan, an insurer of last resort, was created by which legislation?

  1. HB23-1288
  2. SB 21-175
  3. HB 19-1010
  4. HB 25-1000
Show answer
A. HB23-1288
The Colorado Division of Insurance says HB23-1288 established the plan, signed May 12, 2023. Residential policies became available April 10, 2025.
Source: Colorado DOI, FAIR Plan page

2. What is the maximum combined property and contents coverage for a homeowners policy under the Colorado FAIR Plan, on an actual cash value basis?

  1. $250,000
  2. $500,000
  3. $750,000
  4. $1,000,000
Show answer
C. $750,000
The Division of Regulatory Agencies advisory says homeowners coverage is up to $750,000 combined. Commercial coverage is up to $5,000,000.
Source: Colorado DORA, HOA Center Advisory on the FAIR Plan

3. Which applicants qualify for Colorado FAIR Plan coverage, according to the DORA advisory?

  1. Any owner of a home built before 1950
  2. Property owners declined by three standard insurers whose property is considered uninsurable
  3. Only owners located in a declared wildfire disaster area
  4. Only commercial owners with property over $5,000,000
Show answer
B. Property owners declined by three standard insurers whose property is considered uninsurable
The advisory describes an insurer of last resort for owners with three declinations and high-risk factors such as wildfire exposure, location, claim history, or age.
Source: Colorado DORA, HOA Center Advisory on the FAIR Plan

Workers Compensation

1 question

1. Which Colorado employers must carry workers compensation insurance, according to the Division of Workers' Compensation?

  1. Only businesses with 3 or more employees
  2. Only businesses with 5 or more full-time employees
  3. Only businesses with a payroll over $500 a quarter
  4. All businesses with employees, regardless of number or hours
Show answer
D. All businesses with employees, regardless of number or hours
The Division states all businesses with employees operating in Colorado must have coverage. This includes part-time and family-member employees, and the cost cannot be passed on to employees.
Source: Colorado Division of Workers' Compensation

Key Colorado terms

15 plain-English cards on Colorado insurance law, from the Colorado flashcard deck.

Licensing and CE

Colorado producer CE cycle
After the first continuation, resident producers generally complete 24 approved hours every two years.
Colorado ethics CE requirement
Three of the 24 required hours must be ethics credits.
Colorado line-specific CE requirement
At least 18 required credits must relate to the producer's licensed lines.
Colorado homeowners CE requirement
Property and personal-lines producers need at least three homeowners credits.
Colorado CE carryover window
Up to 12 excess credits earned in the final 120 days may carry over, excluding first-cycle credits.
Colorado first-cycle CE exemption
First-time licensees are exempt during their first cycle; those credits do not apply later.
Colorado repeated CE course restriction
Repeating a course within two years does not earn another credit.
Colorado multiple-line CE total
Multiple licensed lines do not multiply the 24-credit total required per continuation cycle.
Colorado producer address-change deadline
Notify Pearson or the Division within 30 days after an address change.
Colorado assumed producer name registration
Register an assumed business name with the Insurance Commissioner before using it.
Colorado personal-lines prelicensing exemption
Applicants holding property and casualty authority are exempt from personal-lines prelicensing training.
Colorado personal-lines examination exemption
Applicants holding property and casualty authority need not take the personal-lines exam.
Colorado surplus-lines license prerequisite
Hold active property and casualty authority or apply for it with the surplus-lines authority.
Colorado insurance examination session fee
Candidates may take up to two examinations in one session for a single $41 fee.
Colorado insurance exam change notice
Contact Pearson at least 48 hours before the exam to change or cancel without forfeiting the fee.

Study the Colorado deck

Keep studying

The general topics make up most of the exam.

Insurance BasicsPropertyContract LawPropertyProperty Policy StructurePropertyDwelling PoliciesPropertyHomeowners PoliciesPropertyHomeowners EndorsementsPropertyFlood InsurancePropertyEarthquake InsurancePropertyCommercial PropertyPropertyCauses of LossPropertyBusiness IncomePropertyInland MarinePropertyOcean MarinePropertyFarm CoveragePropertyEquipment BreakdownPropertyLiability BasicsCasualtyPersonal Auto PolicyCasualtyAuto Physical DamageCasualtyUninsured MotoristsCasualtyCommercial General LiabilityCasualtyCGL ExclusionsCasualtyClaims-Made CoverageCasualtyCommercial AutoCasualtyUmbrella and ExcessCasualtyWorkers CompensationCasualtyCommercial CrimeCasualtySurety and Fidelity BondsCasualtyProfessional LiabilityCasualtyBusinessowners PolicyCasualty

Colorado exam questions

How many pre-licensing hours does Colorado require for property and casualty?

50 hours, including 3 hours of insurance ethics. If you add another line, the ethics hours only need to be taken once.Source: Colorado DOI, Regulation 1-2-05: Insurance Producer Prelicensing Education Requirements

How long is a Colorado passing score good for?

One year from the exam date. Your license application must reach Pearson within that year.Source: Pearson VUE, Colorado Insurance Licensing Candidate Handbook (Jul 2026)

What continuing education do Colorado property agents need?

24 hours every two years after the first renewal, including 3 hours of ethics and 3 hours on homeowners insurance coverage.Source: Colorado DOI, Regulation 1-2-04: Continuing Education Requirements

How much of the Colorado property and casualty exam is state law?

State law is usually around 20 to 30 percent of a state's producer exam. Check the Colorado candidate handbook from your testing provider for the exact content outline.

What does the Colorado state law section cover?

Common areas include licensing and continuing education, auto liability minimums, cancellation and nonrenewal notice rules, and the guaranty fund. This page covers: Licensing and CE, Auto Insurance, Cancellation and Nonrenewal, Residual Markets, Workers Compensation.

Where do these state questions come from?

Each state question is written from the state's statutes, regulations, or insurance department guidance, and the source is linked under the answer so you can read it yourself.

Do I still need the general questions?

Yes. Most of the exam is general property and casualty knowledge. The full exam option here mixes 367 general questions with the Colorado state law questions.