Florida property and casualty practice exam
Free property and casualty practice for the Florida producer exam: 367 general questions plus 20 Florida state law questions, each with an explanation.
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Getting your Florida property and casualty license
Florida's 2-20 General Lines license takes a 200-hour approved property and casualty course. The exam is 160 scored questions in 3 hours at a Pearson VUE test center, and a passing score is good for one year.
- Exam provider
- Pearson VUE, at a physical test center only (no online proctoring for new reservations)
- Questions
- 160 scored questions plus 15 pretest questions on the General Lines exam
- Time limit
- 3 hours
- Passing score
- 70 percent
- Exam fee
- $44, paid to the exam vendor
- Application fee
- $50, plus a $5 license ID fee
- Fingerprints
- Required. $52.50, paid to the fingerprinting vendor.
- Pre-licensing education
- 200-hour approved property and casualty course, completed within 4 years of applying
- Retakes
- Up to 5 attempts at the same exam in a 12-month period
How to plan your retake
Retake rules by state - Score valid for
- 1 year from the date you pass
- Continuing education
- 24 hours every 2 years, due by the end of your birth month
Official links
- Florida Department of Financial Services - official state insurance department
- Florida DFS, Examinations - exam provider information
Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Florida Department of Financial Services and your exam's candidate handbook before you register.
Florida state law questions
Every Florida question with its answer, explanation, and the law it comes from.
Licensing and CE
2 questions
1. How much continuing education must a Florida 2-20 General Lines agent complete?
- 20 hours every year, due December 31
- 24 hours every 2 years, due December 31
- 24 hours every 2 years, due by the end of the agent's birth month
- 40 hours every 4 years
Show answer
A Florida 2-20 General Lines agent completes 24 CE hours every 2 years, due by the end of the agent's birth month under Fla. Stat. 626.2815. The December 31 deadline belongs to other license types.
2. To qualify for the Florida 2-20 General Lines license by education, an applicant must complete:
- A 40-hour approved course within 1 year of applying
- A 60-hour course within 2 years of applying
- No prelicensing education
- A 200-hour approved property and casualty course within 4 years of applying
Show answer
Some work experience and designations qualify instead of the course.
Auto Insurance
6 questions
1. Florida's no-fault law requires personal injury protection (PIP) with medical and disability benefits up to a limit of:
- $10,000
- $2,500
- $5,000
- $25,000
Show answer
Fla. Stat. 627.736(1). Death benefits of $5,000 are paid in addition.
2. Florida PIP pays what percentage of reasonable expenses for medically necessary care?
- 50 percent
- 80 percent
- 60 percent
- 100 percent
Show answer
Florida PIP pays 80 percent of reasonable expenses for medically necessary care under Fla. Stat. 627.736(1)(a). It does not pay 100 percent; the 20 percent gap is the insured's share.
3. Florida PIP disability benefits pay what share of the injured person's lost gross income?
- 50 percent
- 80 percent
- 60 percent
- 100 percent
Show answer
Fla. Stat. 627.736(1). The benefit covers loss of gross income and earning capacity.
4. Florida PIP pays a death benefit per individual of:
- $2,500
- $10,000
- $25,000
- $5,000
Show answer
Fla. Stat. 627.736(1). It is separate from the $10,000 medical and disability limit.
5. To receive Florida PIP medical benefits, the injured person must first get services and care within how long after the crash?
- 14 days
- 7 days
- 30 days
- 60 days
Show answer
To receive Florida PIP medical benefits, the injured person must get services and care within 14 days after the crash under Fla. Stat. 627.736(1)(a). Waiting 30 days forfeits the medical benefits.
6. Besides PIP, a Florida vehicle owner must carry property damage liability of at least:
- $5,000 per crash
- $10,000 per crash
- $15,000 per crash
- $25,000 per crash
Show answer
Besides PIP, a Florida vehicle owner must carry property damage liability of at least $10,000 per crash under Fla. Stat. 324.022(1). PIP covers injuries, not property damage, which is why PIP alone is not enough.
Cancellation and Nonrenewal
5 questions
1. For a Florida personal lines residential property policy, written notice of nonrenewal must be given at least:
- 45 days before
- 60 days before
- 120 days before the effective date
- 90 days before
Show answer
For a Florida personal lines residential property policy, written notice of nonrenewal must be given at least 120 days before the effective date under Fla. Stat. 627.4133(2). The 45- and 60-day figures apply to other cancellation contexts.
2. A Florida residential property policy is canceled for nonpayment of premium. The insurer must give at least:
- 20 days written notice
- 45 days written notice
- 120 days written notice
- 10 days written notice with the reason
Show answer
When a Florida residential property policy is canceled for nonpayment, the insurer must give 10 days written notice with the reason under Fla. Stat. 627.4133(2). The 120-day figure belongs to nonrenewal, not nonpayment cancellation.
3. A Florida residential property policy that has been in effect less than 60 days is canceled for a reason other than nonpayment. Notice must be given at least:
- 20 days before the effective date, with the reason
- 10 days before
- 45 days before
- 120 days before
Show answer
Fla. Stat. 627.4133(2). After 60 days, the insurer may cancel only for listed reasons.
4. For a Florida commercial property, casualty, or workers compensation policy (not auto or residential property), the insurer must give notice of nonrenewal at least:
- 10 days in advance
- 45 days in advance
- 20 days in advance
- 120 days in advance
Show answer
Fla. Stat. 627.4133(1)(a). The same 45 days applies to notice of the renewal premium.
5. A Florida insurer may not cancel or nonrenew a residential property policy because of damage from a declared hurricane until:
- 30 days after the claim is paid
- 60 days after the storm
- 90 days after the dwelling has been repaired
- One year after the storm
Show answer
Fla. Stat. 627.4133(2)(e). Cancellation for nonpayment is still allowed.
Coverage Mandates
3 questions
1. For a personal lines residential property policy, a Florida insurer must offer alternative hurricane deductibles of:
- $1,000, 1 percent, and 3 percent of the dwelling limit
- $250, $500, and $1,000 only
- 2 percent and 5 percent of the dwelling limit only
- $500, 2 percent, 5 percent, and 10 percent of the dwelling limit
Show answer
A Florida insurer must offer alternative hurricane deductibles of $500, 2 percent, 5 percent, and 10 percent of the dwelling limit under Fla. Stat. 627.701(3)(a). The $1,000, 1 percent, and 3 percent menu is not the statutory offer set.
2. In Florida, a hurricane deductible applies:
- On an annual basis to all covered hurricane losses in a calendar year
- Separately to each hurricane
- Once for the life of the policy
- Only to hurricanes between June 1 and November 30
Show answer
A Florida hurricane deductible applies once per calendar year to all covered hurricane losses, not separately to each hurricane, under Fla. Stat. 627.701(5)(a). A second storm in the same year does not restart it.
3. Every insurer writing property insurance in Florida must:
- Include full sinkhole coverage in every policy at no extra charge
- Cover catastrophic ground cover collapse and make sinkhole coverage available for an additional premium
- Exclude all earth movement losses
- Offer flood coverage on every policy
Show answer
Every insurer writing Florida property insurance must cover catastrophic ground cover collapse and make sinkhole coverage available for an additional premium under Fla. Stat. 627.706(1). Full sinkhole coverage at no charge is not required.
Residual Markets
1 question
1. Citizens Property Insurance Corporation is best described as:
- A private mutual insurer owned by its policyholders
- A federal program run by FEMA
- A not-for-profit, tax-exempt government entity that insures eligible property owners who cannot find coverage in the private market
- The fund that pays claims of insolvent Florida insurers
Show answer
The Florida Legislature created Citizens in 2002 (Fla. Stat. 627.351(6)).
Guaranty Association
1 question
1. The Florida Insurance Guaranty Association (FIGA) pays a covered claim up to:
- $100,000 for any claim
- $300,000, with no additional amount for homeowners
- $500,000 for any type of claim
- Less than $300,000, plus an additional $200,000 for homeowners structure and contents damage
Show answer
FIGA pays a covered claim up to less than $300,000, plus an additional $200,000 for homeowners structure and contents damage, under Fla. Stat. 631.57(1)(a)2. The plain $300,000 cap misses the homeowners add-on.
Workers Compensation
1 question
1. Which Florida private employers must provide workers compensation?
- Construction employers with 1 or more employees and non-construction employers with 4 or more
- All employers with 1 or more employees
- Construction employers with 4 or more employees and others with 10 or more
- Only employers with 15 or more employees
Show answer
Fla. Stat. 440.02 (definition of employment). Farm employers have separate thresholds.
Claims Practices
1 question
1. After receiving notice of a property insurance claim, a Florida insurer must pay or deny it within:
- 30 days
- 60 days
- 90 days
- 120 days
Show answer
Fla. Stat. 627.70131(7)(a). The insurer must also acknowledge claim communications within 7 calendar days.
Key Florida terms
19 plain-English cards on Florida insurance law, from the Florida flashcard deck.
Licensing and CE
- Florida 2-20 General Lines license
- The Florida resident property and casualty agent license.
- Florida 2-20 prelicensing course
- A 200-hour approved property and casualty course completed within 4 years of applying. Some experience or designations qualify instead.
- Florida General Lines exam retakes
- Up to 5 attempts at the same exam in 12 months; a passing score is valid for 1 year.
- Florida 2-20 CE requirement
- 24 hours every 2 years, due by the end of the agent's birth month.
Auto Insurance
- Florida PIP
- No-fault personal injury protection required on Florida autos: $10,000 for medical and disability benefits, plus a $5,000 death benefit.
- Florida PIP medical benefit
- Pays 80 percent of reasonable expenses for medically necessary care, if care starts within 14 days after the crash.
- Florida PIP disability benefit
- Pays 60 percent of lost gross income and earning capacity, within the $10,000 PIP limit.
- Florida property damage liability minimum
- At least $10,000 per crash, required in addition to PIP.
Cancellation and Nonrenewal
- Florida residential nonrenewal notice
- At least 120 days before the effective date for personal lines residential property.
- Florida residential cancellation notice
- 10 days with the reason for nonpayment; 20 days with the reason during the first 60 days for other reasons.
- Florida commercial lines notice
- 45 days notice of cancellation, nonrenewal or renewal premium for commercial property, casualty and workers compensation.
- Florida hurricane repair protection
- No cancellation or nonrenewal for declared-hurricane damage until 90 days after the dwelling is repaired. Nonpayment is still allowed.
Coverage Mandates
- Florida hurricane deductible options
- Insurers must offer $500, 2 percent, 5 percent and 10 percent of the dwelling limit for personal residential property.
- Florida annual hurricane deductible
- Applies once per calendar year to all covered hurricane losses, not separately to each storm.
- Florida catastrophic ground cover collapse
- Every property insurer must cover it, and must make sinkhole coverage available for extra premium.
Residual Markets
- Citizens Property Insurance Corporation
- A not-for-profit, tax-exempt government entity created in 2002 to insure eligible Florida property owners who cannot find coverage elsewhere.
Guaranty Association
- Florida Insurance Guaranty Association
- Pays covered claims of insolvent insurers up to less than $300,000, plus up to $200,000 more for homeowners structure and contents.
Workers Compensation
- Florida workers comp requirement
- Construction employers with 1 or more employees and non-construction employers with 4 or more must carry it.
Claims Practices
- Florida property claim deadline
- Pay or deny a property claim within 60 days of notice, and acknowledge claim communications within 7 calendar days.
Keep studying
The general topics make up most of the exam.
Florida exam questions
How many hours of pre-licensing do I need for the Florida 2-20 license?
200 hours in an approved property and casualty course, finished within four years of your application date. Some work experience and designations qualify instead.Source: Florida DFS, 2-20 Resident General Lines license requirements
How many questions are on the Florida 2-20 exam?
160 scored questions plus 15 unscored pretest questions. You get 3 hours and need 70 percent to pass.Source: Pearson VUE, Florida Insurance Examination Content Outlines
Can I take the Florida insurance exam online?
No. Florida candidates can only reserve a seat at a physical Pearson VUE test center. Online proctoring is not available for new reservations.Source: Florida DFS, Examinations
How many times can I take the Florida exam?
Up to five attempts at the same exam within 12 months, paying the exam fee each time.Source: Florida DFS, Examinations
How much of the Florida property and casualty exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Florida candidate handbook from your testing provider for the exact content outline.
What does the Florida 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, Coverage Mandates, Residual Markets, Guaranty Association, Workers Compensation, Claims Practices.
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 Florida state law questions.