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New Hampshire property and casualty practice exam

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

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Getting your New Hampshire property and casualty license

New Hampshire's property and casualty exam is one combined PSI exam that costs $72. No pre-licensing course is required.

Exam provider
PSI
Exam fee
$72 for the property and casualty exam (one combined exam)
Pre-licensing education
Not required
Retakes
You cannot book a new exam on the same day you test
How to plan your retake
Retake rules by state
License expiration
The last day of your birth month

Official links

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

Sources

New Hampshire state law questions

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

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

Licensing and CE

2 questions

1. How many continuing education credit hours must a resident New Hampshire producer complete every two years, and how many must be ethics?

  1. 12 credit hours, with at least 1 in approved ethics courses
  2. 20 credit hours, with at least 2 in approved ethics courses
  3. 30 credit hours, with at least 5 in approved ethics courses
  4. 24 credit hours, with at least 3 in approved ethics courses
Show answer
D. 24 credit hours, with at least 3 in approved ethics courses
The Insurance Department's CE FAQ requires 24 NH-approved credits every 2 years, at least 3 and no more than 10 of them in approved ethics courses.
Source: NH Insurance Department, Continuing Education FAQs

2. By when should a New Hampshire producer finish required CE to avoid penalty fees, according to the Insurance Department?

  1. 15 days before the license expires
  2. 30 days before the license expires
  3. 60 days before the license expires
  4. On the day the license expires
Show answer
C. 60 days before the license expires
The department's FAQ says education must be completed 60 days before license expiration. Finishing inside that window adds a $50 fee for producers, and finishing after expiration doubles the license fee.
Source: NH Insurance Department, Continuing Education FAQs

Auto Insurance

3 questions

1. Under RSA 259:61, a New Hampshire motor vehicle liability policy must provide at least what minimum limits?

  1. $25,000 per person, $50,000 per accident, and $25,000 property damage
  2. $20,000 per person, $40,000 per accident, and $10,000 property damage
  3. $30,000 per person, $60,000 per accident, and $15,000 property damage
  4. $50,000 per person, $100,000 per accident, and $25,000 property damage
Show answer
A. $25,000 per person, $50,000 per accident, and $25,000 property damage
RSA 259:61 defines a motor vehicle liability policy as one with at least $25,000 for one person's injury or death, $50,000 per accident for more than one person, and $25,000 for property damage to others.
Source: RSA 259:61

2. RSA 264:16 requires certain New Hampshire private passenger auto liability policies to include medical payments coverage of at least how much per person?

  1. $500, for medical costs incurred during 1 year after the injury
  2. $1,000, for medical costs incurred during 3 years after the injury
  3. $2,000, for medical costs incurred during 2 years after the injury
  4. $5,000, for medical costs incurred during 5 years after the injury
Show answer
B. $1,000, for medical costs incurred during 3 years after the injury
RSA 264:16 sets medical payments coverage at $1,000 or more per person, covering costs incurred during the 3 years after the injuries are sustained. The Insurance Department FAQ likewise states a $1,000 minimum for policies issued in New Hampshire.
Source: RSA 264:16

3. Under RSA 264:15, what is the effect when one named insured rejects uninsured motorist coverage on a New Hampshire auto policy?

  1. The rejection counts only for the insured who signed it
  2. The rejection ends automatically at the next renewal
  3. The rejection is void unless every driver also signs
  4. The rejection counts for all insureds and stays effective on renewal
Show answer
D. The rejection counts for all insureds and stays effective on renewal
RSA 264:15 states that rejection by a named insured is a rejection by all insureds and applies to every eligible vehicle. It stays effective on amendment or renewal unless the named insured requests the coverage in writing.
Source: RSA 264:15

Cancellation and Nonrenewal

4 questions

1. Under RSA 417-A:5, the effective date of an automobile policy cancellation or nonrenewal must generally be at least how many days after the notice is mailed?

  1. 10 days
  2. 20 days
  3. 30 days
  4. 45 days
Show answer
D. 45 days
RSA 417-A:5 sets the default at no fewer than 45 days after mailing or delivery. A 10-day period applies only in limited cases, such as nonpayment of premium.
Source: RSA 417-A:5

2. A New Hampshire insurer cancels an auto policy for nonpayment of premium. What is the shortest notice period RSA 417-A:5 allows?

  1. 5 days from the date of mailing or delivery
  2. 10 days from the date of mailing or delivery
  3. 20 days from the date of mailing or delivery
  4. 30 days from the date of mailing or delivery
Show answer
B. 10 days from the date of mailing or delivery
Nonpayment is one of the cases where RSA 417-A:5 lets the effective date be 10 days from mailing or delivery. Nonpayment notices may not be sent before the nonpayment occurs.
Source: RSA 417-A:5

3. RSA 417-B:4 covers cancellation and nonrenewal of certain property and liability policies. What is the standard minimum notice before the effective date?

  1. 45 days after the notice is mailed or delivered
  2. 10 days after the notice is mailed or delivered
  3. 30 days after the notice is mailed or delivered
  4. 90 days after the notice is mailed or delivered
Show answer
A. 45 days after the notice is mailed or delivered
RSA 417-B:4 requires an effective date not less than 45 days after mailing or delivery. The notice must state the specific reasons for the cancellation or nonrenewal.
Source: RSA 417-B:4

4. Under RSA 417-B:4, a New Hampshire insurer may use a 10-day notice for a policy that is not a renewal if notice is given within how many days of the effective date?

  1. 30 days
  2. 45 days
  3. 90 days
  4. 60 days
Show answer
C. 90 days
RSA 417-B:4 allows 10 days notice for nonpayment, or for a non-renewal policy when notice is given within 90 days of the policy's effective date. The auto statute, RSA 417-A:5, uses 60 days for the same idea.
Source: RSA 417-B:4

Residual Markets

1 question

1. Under RSA 404-C, when may the New Hampshire insurance commissioner adopt a mandatory risk sharing plan?

  1. After a hearing finds the coverage is not readily available in the voluntary market
  2. Whenever an insurer asks to leave the state
  3. Only after the legislature declares an emergency
  4. Only when premiums rise more than 10 percent
Show answer
A. After a hearing finds the coverage is not readily available in the voluntary market
RSA 404-C:1 lets the commissioner adopt plans for automobile, property, workers' compensation, liability and other coverages when the voluntary market falls short and the public interest requires. Under RSA 404-C:3, plans must require all licensed insurers writing that coverage to participate.
Source: RSA 404-C:1 and 404-C:3

Guaranty Association

1 question

1. Under RSA 404-H:8, what is the most the New Hampshire Insurance Guaranty Association pays on a covered claim other than workers' compensation?

  1. $100,000
  2. $250,000
  3. $500,000
  4. $300,000
Show answer
D. $300,000
RSA 404-H:8 limits payment on other covered claims to an amount not exceeding $300,000. Covered workers' compensation benefit claims are paid in full.
Source: RSA 404-H:8

Workers Compensation

2 questions

1. Under RSA 281-A:28, a waiting period applies to temporary total disability. When are the first 3 days of disability paid?

  1. Only if the disability continues for 7 days or longer
  2. Only if the disability continues for 14 days or longer
  3. Only if the disability continues for 30 days or longer
  4. They are always paid from the first day
Show answer
B. Only if the disability continues for 14 days or longer
RSA 281-A:28 withholds compensation for the first 3 days of disability unless the disability lasts 14 days or longer.
Source: RSA 281-A:28

2. For most injured workers, RSA 281-A:28 sets temporary total disability compensation at what share of the employee's average weekly wage?

  1. 50 percent, or 25 percent of the state average weekly wage if greater
  2. 66 percent, or 33 percent of the state average weekly wage if greater
  3. 60 percent, or 30 percent of the state average weekly wage if greater
  4. 75 percent, or 40 percent of the state average weekly wage if greater
Show answer
C. 60 percent, or 30 percent of the state average weekly wage if greater
For an employee whose wage exceeds 30 percent of the state average, RSA 281-A:28 pays 60 percent of the average weekly wage or 30 percent of the state average, whichever is greater. Weekly compensation may not exceed 150 percent of the state average weekly wage.
Source: RSA 281-A:28

Claims Practices

1 question

1. Under RSA 417:4, XV, which act is listed as an unfair claim settlement practice?

  1. Denying a claim after a thorough investigation of all facts
  2. Sending a payment with a statement of the benefits included
  3. Failing to affirm or deny coverage within a reasonable time after proof of loss forms are submitted
  4. Adopting written standards for prompt claim investigation
Show answer
C. Failing to affirm or deny coverage within a reasonable time after proof of loss forms are submitted
RSA 417:4, XV(a) lists failing to affirm or deny coverage within a reasonable time after proof of loss forms have been submitted. It sets no fixed number of days for that act.
Source: RSA 417:4, XV

Key New Hampshire terms

17 plain-English cards on New Hampshire insurance law, from the New Hampshire flashcard deck.

Licensing and CE

New Hampshire CE requirement
24 credit hours every two years, with at least 3 in approved ethics courses.
New Hampshire CE completion target
Finish required CE 60 days before the license expires to avoid penalty fees.
New Hampshire exam and fee
PSI gives one combined property and casualty exam for $72. Prelicensing is not required.
New Hampshire same-day retake rule
You cannot book a new exam on the same day you test.
New Hampshire license expiration
The last day of the licensee's birth month.

Auto Insurance

New Hampshire minimum auto liability limits
25/50/25 under RSA 259:61: $25,000 per person, $50,000 per accident, $25,000 property damage.
New Hampshire medical payments minimum
At least $1,000 per person for medical costs incurred during 3 years after the injury (RSA 264:16).
New Hampshire UM rejection
When one named insured rejects uninsured motorist coverage, the rejection counts for all insureds and stays effective on renewal.

Cancellation and Nonrenewal

New Hampshire auto cancellation effective date
At least 45 days after the notice is mailed (RSA 417-A:5).
New Hampshire auto nonpayment cancellation
The shortest notice allowed is 10 days from the date of mailing or delivery.
New Hampshire property and liability notice
RSA 417-B:4 sets a standard 45-day minimum notice before the effective date of cancellation or nonrenewal.
New Hampshire 10-day notice exception
A 10-day notice may be used for a policy that is not a renewal if notice is given within 90 days of the effective date.

Residual Markets

New Hampshire mandatory risk sharing plan
The commissioner may adopt one after a hearing finds the coverage is not readily available in the voluntary market (RSA 404-C).

Guaranty Association

New Hampshire guaranty association limit
Pays up to $300,000 on a covered claim other than workers compensation (RSA 404-H:8).

Workers Compensation

New Hampshire TTD waiting period
The first 3 days of disability are paid only if disability continues for 14 days or longer.
New Hampshire TTD rate
60 percent of the average weekly wage, or 30 percent of the state average weekly wage if greater.

Claims Practices

New Hampshire unfair claim practice
Failing to affirm or deny coverage within a reasonable time after proof of loss forms are submitted (RSA 417:4, XV).

Study the New Hampshire 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

New Hampshire exam questions

Do I need a pre-licensing course for property and casualty in New Hampshire?

No. The Department does not require a pre-licensing study course.Source: PSI, New Hampshire Insurance Department Candidate Information Bulletin (Aug 2026)

Is there a separate property exam in New Hampshire?

No. Property and casualty is one combined producer exam (series 12-64). It costs $72.Source: PSI, New Hampshire Insurance Department Candidate Information Bulletin (Aug 2026)

How soon can I retake the New Hampshire exam?

Not on the same day. You cannot book a new exam on the same day you test.Source: PSI, New Hampshire Insurance Department Candidate Information Bulletin (Aug 2026)

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

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

What does the New Hampshire 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, 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 New Hampshire state law questions.