How long is a property and Casualty license good for in Texas?

How long is a property and Casualty license good for in Texas?
About The Texas Property And Casualty Insurance LicenseTo sell property or casualty insurance in Texas, you must first obtain a property and casualty insurance license. Not sure how to go about doing that? You've come to the right place! has all the information and tips you need to prepare for your Texas property and casualty insurance licensing exam.

What A Texas Property And Casualty Insurance License Can Do For You

Texas has more than 30 cities with populations of at least 100,000, including Houston, Dallas, San Antonio, Austin, Fort Worth, Arlington, Plano, El Paso, Corpus Christi, Lubbock, Garland, Irving, Laredo, Amarillo, Grand Prairie, Brownsville, McKinney, and lots more. As such, there are many communities for you to be a successful Texas P&C insurance agent.Bottom line, many Texans own property and want to protect it for themselves and their families. The best way to do that is through adequate property and casualty insurance. By earning your Texas property and casualty insurance license, your business can benefit from residents' desire to protect their assets.

Some specifics: In 2017 alone, there were nearly 670,000 property insurance claims in Texas just from Hurricane Harvey. The Texas Department of Insurance said that number includes about 354,000 residential property claims - including homeowners, residential and mobile homeowners - and about 203,000 automobile claims. Around 37,000 commercial property claims, 66,000 flood claims and 12,000 "other" insurance claims also have been filed as a result of damage from Harvey.

We offer Texas property and casualty license training courses that fulfill applicable prelicense education requirements. Courses are available in seminar, online, and self-study formats. Our Tennessee P&C exam prep materials are delivered in an easy-to-understand manner that provides important insights and valuable exam tips and strategies covering Texas' rules and regulations for Property and Casualty insurance licensing. You receive:
  • Both print and online tools that include a comprehensive textbook utilizing short, focused paragraphs with numerous graphics and exercises to help students learn faster and retain critical information
  • A searchable FAQs database
  • Exam Tips, Study Calendar, and hundreds of practice exam questions
  • State Law Supplement that provides the most current state laws and regulations
  • Videos that can be viewed anytime, anywhere, and as frequently as you like
  • Instructor email access for help with any tough areas
Use our Texas property and casualty exam prep materials to test yourself with practice questions and solutions, pinpoint problem areas by building customized exams based on difficulty, length, and topic of your choice, and create online personal notes and bookmarks for future reference. We want you to be fully prepared for your property and casualty insurance license exam. That's why we have a range of highly effective P&C license courses and materials designed by insurance experts.

To find Texas property and casualty insurance licensing courses, simply click on any of the recommended courses below or select "Property And Casualty" and your state from the "Licensing" section of the search box below. Good luck passing your Texas P&C insurance licensing exam and becoming a Texas insurance agent!

Find Seminars, Webinars, And Online Training In Your Area

Pre-License Requirements For Becoming A Texas P&C AgentA Texas Insurance License is regulated at the state level and, as such, state government establishes its own insurance licensing requirements and examination procedures. Below are general prelicensing requirements in the state of Texas.

General Requirements

  • An individual applying for a Texas insurance license must be at least 18 years of age
  • Applicants are not required to be sponsored to pursue their license
  • Applicants must submit fingerprints as part of the license application
  • Texas has no prelicensing education requirement unless a 90-day temporary license is desired. To obtain a 90-day temporary license, candidates must complete 40 hours of prelicensing education
  • Candidates must apply for licensure within 12 months from receiving a passing grade on the examination
Texas Property And Casualty Exam RequirementsAfter you have studied and are fully prepared, it is time to schedule your exam. PearsonVUE is the test provider for Texas and will schedule exams on the phone at 888-754-7667 or through their website.On exam day, bring two forms of government-issued, valid I.D., one of which is a photo I.D. like a driver's license or passport. The combined Texas property and casualty insurance exam is two and a half hours, with 150 questions on property and casualty policies and related issues. Score 70 percent or more to pass.

Before you can receive your license, you need a fingerprint background check. Electronic fingerprinting is administered by IdentoGO by MorphoTrustUSA. Visit the Texas Department of Insurance website for more information about getting fingerprinted. Once you pass your exam and are fingerprinted, you can go to Sircon to apply for your license. You have 12 months to apply.

To help with your examination scheduling, we have provided below information on Texas licensing requirements, its insurance department, and examination scheduling facilities.

How long is a property and Casualty license good for in Texas?
Texas Department of Insurance - Agents Licensing Division

Address: MC107-1A | P.O. Box 149104 | Austin, TX 78714-9104
Phone: 512.322.3503
Fax: 512.490.1029

Examination Scheduling

Provider: Pearson Vue testing centers
Phone: 888-754-7667

Good luck passing your Texas P&C insurance licensing exam!


This information is based on state laws and regulations, and is subject to change. ABTrainingCenter makes every effort to make sure this information is current and accurate, however, ABTrainingCenter is not engaged in rendering legal or professional advice and shall not be held responsible for inaccuracies contained herein.

If you are searching for information about how to pass the Texas General Lines Property & Casualty (P&C) insurance exam, you have come to the right place. As you will see, this page is the #1 resource for everything you need to know about how to pass the Texas Property & Casualty Insurance License exam and get your Property & Casualty license in Texas. My name is Scott Schultze, and I am the director of insurance licensing content here at PassMasters. For over 20 years, my family has been teaching people in Texas how to get their insurance licenses.

Read on to find answers to the most commonly asked questions related to taking this exam. Do you have a question that isn’t answered below? If so, submit it to us on our Contact Us page and we will get right back to you and add your question to this page. If you have been studying to pass this exam and just aren’t getting it, or have taken the exam and failed, we can help. You can sign up with us here.

How long is a property and Casualty license good for in Texas?

Since insurance is regulated by state law, it is the Texas Department of Insurance, or TDI, who decides who administers the insurance licensing exam in Texas. Did you know, in some states the insurance exam is actually given by the Department of Insurance itself? Well, not in Texas. In Texas, the TDI has secured Pearson VUE, which is an IT service management company that has secured many state insurance license exam contracts throughout the nation. Pearson VUE also administers licensing exams for many other professions in Texas.

It is Pearson VUE that comes up with the exam questions you will encounter on your property and casualty insurance licensing exam. Essentially, Pearson VUE administers the entire insurance license exam process for Texas, on behalf of the TDI.

Pearson VUE Texas Insurance Licensing Candidate Handbook

How long is a property and Casualty license good for in Texas?

Once you obtain your license you will be able to sell both personal and commercial lines insurance, such as dwelling, homeowners, personal and commercial auto, and other commercial property and liability policies.

You will need to know this information when you schedule your test. In Texas, there are two versions of the General Lines – Property & Casualty test. One version is delivered in English and one is in Spanish. Here are the exam codes for each version:

English – InsTC-PC06

Spanish – InsTC-PC26

How long is a property and Casualty license good for in Texas?

There are 150 questions total on the Texas Property & Casualty insurance licensing exam. The exam is made up of two parts as follows:

Part 1 – General Knowledge100 scoreable questions plus 15 pretest questions

Part 2 – State-Specific Content (Texas Insurance Regulations) – 30 scoreable questions plus 5 pretest questions

What is a pretest question? Well, before Pearson VUE can consider a test question statistically valid, they must test it out using the test takers (you) as a guinea pig. If everyone gets the answer right, or wrong, the question is deemed invalid and is not used any further.

You WILL NOT know which questions are pretest questions. However, they do not count towards your score. They are usually related to newer laws and concepts, so if you see a question out of left field, just assume it is a pretest question, do your best, answer it, and move on.

View the Texas Property & Casualty Insurance Exam Outline

The exam has a 150-minute time limit. This breaks down to one minute per question, which should be more than enough time. We have never had a study run out of time. However, it’s not a race. If you go too quickly you are guaranteed to miss a question or two simply because you misread it. Take your time and read the entire question before you look at any answers. There are no scheduled breaks during this exam, however, if you need to use the bathroom, or get a drink, do it!

The exam is $43. Keep in mind that if you fail, you must pay the $43 fee again. The fee is a one-time test-taking fee and must be paid each time the exam is taken.

The minimum score required to pass is 70%. The passing score for the exam is not based on each part separately but on the exam as a whole.

Once you have completed your exam, the proctor will inform you shortly thereafter by printing out and presenting you with your official score report. You will NOT be informed which questions you answered correctly, or incorrectly. If you do not pass, make sure to keep this report, as it will give you insight into those areas you will need to focus on as you continue your studies.

Your score report is good for 12 months. If you do not obtain your license within 12 months, you will have to take and pass the licensing exam again.

All Texas insurance exams are multiple-choice and delivered via computer. The questions you will encounter on the property and casualty exam in Texas are pulled for each individual test-taker by Pearson VUE from their databank of thousands of questions. In other words, each exam is different and created for each individual test taker.

This is why it is so important to understand the concepts found in the exam outline to successfully answer any question you encounter on the exam. Below you will find a few sample Texas Property and Casualty practice exam questions pulled directly from our Texas P&C insurance license exam prep course, which are similar to those you will encounter on the exam:

Property Sample Questions:

All of the following are true regarding the DP-2 broad form policy EXCEPT:

A. It is a named peril formB. It is ACV on the contentsC. It contains the 80% coinsurance clause

D. Theft is a covered peril

Answer: D
Explanation:  Theft of contents is never covered on a dwelling fire policy, although coverage for theft of personal property may be added by an endorsement called the broad form theft, or by adding a type of inland marine insurance called a personal articles floater (PAF). Do not confuse a DP policy with an HO policy.

You have an HO-3 policy on your dwelling that you are in the process of moving out of. How long are your contents that you move to your new residence automatically covered on your policy?

A. 10 daysB. 20 daysC. 30 days

D. 60 days

Answer:  C
Explanation:  This provision allows the client to have proper coverage at both the old location and the new for 30 days, since the 10% extension of coverage off premises is waived.

Casualty Sample Questions:

On a PAP, which of the following coverages is not a supplementary payment?

A. Cost of bail bondsB. Cost of defenseC. Cost of appeal bonds

D. Accrued interest on judgments

Answer:  B
Explanation:  The cost of defense is in addition to limits, but on an auto policy it is not a supplementary payment. Instead, it is included as part of the insuring agreement. The test loves this concept. You must know the three supplementary payments on a personal auto policy include:  up to $250 for the cost of bail bonds required because of an accident that results in BI or PD covered by the policy; appeals bonds and interest; and loss of earnings up to $200 a day if you are required to attend a hearing or trial related to the accident.

All are excluded on a professional liability policy EXCEPT:

A. FraudB. DishonestyC. Criminal acts

D. Negligence

Answer:  D

Explanation:  Professional liability policies cover the insured’s legal liability resulting from negligence, errors and omissions and other aspects of rendering or failure to render professional services. Fraud, dishonesty and criminal activities are not covered.

It’s a pretty straightforward process really. Over the past 20 years, we have helped thousands of people do it. In our Texas P&C insurance license exam prep course, you will find a 14-day study plan which will have you ready to pass your exam in only two weeks.

The formula you will follow in our study course for the Texas P&C license is to read a pdf section of our study manual, watch an instructor teach you the content in the section, watch a key fact video review and then complete a section review exam. You will complete each section in the course in this manner until you reach the course’s final exam. Pass the final exam with a 90% or better and you are ready to go!

Are you ready to pass? Find out really quickly by taking one of our free general lines property and casualty texas insurance practice exams here and checkout feedback from a real life person just like you who found success with our online video-based Texas Property and Casualty classes:

“Your company concept is perfect and will continue to do well. I found you by searching for online classes for an insurance license. This online course was so easy to use and very informative. Your outline is very helpful and easy to follow. I like the idea to keep pushing everyone to score a 90% or better on the final exams. Unfortunately, I ran out of time to do so but fared well.

Thank you Scott for being an engaging instructor that kept my attention throughout every video. I look forward to using you for other test prep and spreading the news about your company.”


You can schedule your exam with Pearson VUE online at or by calling them at 1-888-754-7667. You must be at least 18 years of age before sitting for the exam and have a valid Social Security number.

Pro tip: Make sure to schedule your exam well in advance of completing our course so you can make sure to get the date and time you want at the test center of your choice. Pearson VUE encourages candidates to make their exam reservation at least twenty-four (24) hours in advance. We recommend even further in advance. Keep in mind exam testing fees are not accepted at the test center.

Pearson VUE has many testing locations throughout Texas. Regardless of which one you choose to take your exam at, Pearson VUE recommends you arrive at the testing center at least 30 minutes before your scheduled exam so you can check-in. You should also be aware the testing center is a very serious place. They may make you empty your pockets and put all your personal belonging in a locker in the waiting room before you enter the testing room.

Nothing. Keep in mind, that neither your score on your P&C exam nor how many times it takes you to pass is an indication of how great you are going to be at this job.

If you do fail, you can schedule a new exam within one day. There is no limit to the number of times a candidate can take an exam. However, a new testing fee must be paid for each exam retake ($43).

It is also important for you to know the next time you take the exam you may not see any of the same questions you encountered before. Pearson VUE has thousands of questions in their databank, so it is unlikely you will see many of the same questions upon a second attempt at the exam. This is why it is so important to understand the concepts vs. memorizing questions and answers. Do you need help passing this exam? We have an excellent course where your success is guaranteed. You can view our Texas Insurance Exam Prep courses here.

The TDI will issue an insurance license to individuals who:

• Are at least eighteen (18) years old• Have passed the proper licensing examination (if required) and submit a completed application within twelve (12) months after the exam is passed• Submit a completed application with fee, and fingerprint receipt• Met all applicable license requirements

• Have not committed an act for which a license may be denied, as defined under §4005.101 of the Texas Insurance Code and §1.502 of 28 Texas Administrative Code

You can apply electronically for your license as directed at after you have passed the exam. As mentioned above, your exam score report is only valid for 12 months from the date of issuance. If you don’t apply for your license within 12 months, the licensing exam must be taken again.

Our course was created for someone who has NO insurance background at all! Using our 14-day study plan, you will start building an insurance definition-based foundation that will have you ready to answer all your exam questions correctly by the end of the course. Although our course does include a Texas Property and Casualty insurance license exam study manual in PDF format, our course is highly video-based. Come on insurance is boring enough, but our instructor Scott makes it easy to understand. Sample course videos below:

We also post insurance exam prep videos on our YouTube page to help those people that may need some additional help while studying for their Texas Property & Casualty license. You can find our page here and see a sample below: