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Free Arizona Property Casualty Practice Test Online

Official exam: Property & Casualty Insurance Producer License (AZ)

Take a free Arizona Property Casualty practice test online: a full 33-question paper with every answer explained, no sign-up, scored by topic. The full 33-question bank and the timed simulator are $14.99 for 30 days.

First published: September 2, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
TL;DR

Property & Casualty Insurance Producer License (AZ): a 33-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 33 questions each with no repeats, every question written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a source -- primarily ARS (100%) of this exam's citations.

Take a full practice test free. 33 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.
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3
full papers, no repeats
33
questions per paper
33
questions in the bank
What this exam covers
5 real sample questions
Of the required 48 hours of continuing education, what is the minimum number of hours that must cover ethics?
A. 3 hours
B. 12 hours
C. 9 hours
D. 6 hours
Show answer and reasoning

Correct answer: B. 12 hours

Incorrect: Twelve hours exceeds the minimum ethics requirement.

  • A: Incorrect: Three hours is insufficient; the ethics requirement is 6 hours.
  • C: Incorrect: Nine hours is more than required; the minimum is 6 hours.
  • D: Correct: Arizona requires a minimum of 6 hours in ethics within the 48-hour continuing education requirement.
Source: ARS § 20-289
What are Arizona's minimum liability insurance limits for bodily injury and property damage per accident?
A. 15/30/10
B. 30/60/25
C. 20/40/15
D. 25/50/15
Show answer and reasoning

Correct answer: B. 30/60/25

Incorrect: These are higher than Arizona's actual minimum requirements.

  • A: Incorrect: This is Alabama's minimum liability limit; Arizona's limits are higher.
  • C: Incorrect: This does not match Arizona's mandated minimum liability structure.
  • D: Correct: Arizona requires minimum liability of $25,000 per person, $50,000 total for bodily injury, and $15,000 for property damage.
Source: ARS § 20-701 et seq.
Which homeowners insurance form is the most commonly used and provides broad coverage for the dwelling, personal property, and liability?
A. HO-3
B. HO-1
C. HO-5
D. HO-8
Show answer and reasoning

Correct answer: B. HO-1

Incorrect: The HO-1 is a basic policy with limited coverage, not the most common form.

  • A: Correct: The HO-3 is the standard homeowners policy most commonly used in Arizona and nationwide.
  • C: Incorrect: The HO-5 provides open-peril coverage for both structure and contents but is less common than HO-3.
  • D: Incorrect: The HO-8 is designed for older homes and is more specialized than the standard HO-3.
Source: ARS § 20-2701 et seq.
Which peril is typically excluded from standard Arizona homeowners insurance policies and requires separate coverage?
A. Flood damage
B. Fire damage
C. Windstorm damage
D. Theft damage
Show answer and reasoning

Correct answer: A. Flood damage

Correct: Flood damage is specifically excluded from standard HO-3 policies in Arizona and requires flood insurance.

  • B: Incorrect: Fire damage is a covered peril under standard homeowners policies.
  • C: Incorrect: Windstorm and hail damage, including from Arizona monsoons, are typically covered in standard HO-3 policies.
  • D: Incorrect: Theft damage is covered under the personal property and dwelling coverage of standard homeowners policies.
Source: ARS § 20-2703
In a named peril property insurance policy, who bears the burden of proof that a loss is covered?
A. The insured must prove the loss was caused by a named peril
B. The insurer must prove the loss was not caused by a named peril
C. Both parties share equal burden of proof
D. The burden of proof is determined by the state insurance commissioner
Show answer and reasoning

Correct answer: D. The burden of proof is determined by the state insurance commissioner

Incorrect: The burden of proof allocation is determined by the policy type, not by the state commissioner.

  • A: Correct: Under named peril coverage, the insured bears the burden to demonstrate that one of the specifically named perils caused the loss.
  • B: Incorrect: Under named peril policies, the insured bears the burden, not the insurer.
  • C: Incorrect: The burden of proof is not shared equally; it rests solely with the insured in named peril policies.
Source: ARS § 20-2701
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (AZ)May 2025$61,560/yr

Frequently asked questions

Where can I take a free Arizona Property Casualty practice test online?
Right here. CertQuestUSA's free Arizona Property Casualty practice test online is a full 33-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 33-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
How many questions are on the CertQuestUSA Property & Casualty Insurance Producer License (AZ) practice test?
33 questions total, split into 3 full papers of 33 each with no repeats across papers.
What topics does the Property & Casualty Insurance Producer License (AZ) test cover?
11 domains, with the heaviest weight on Claims Settlement Practices (15%), Producer Licensing (15%), and Auto Insurance Coverage (12%).
Where do CertQuestUSA's Property & Casualty Insurance Producer License (AZ) questions come from?
Primarily ARS (100%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Property & Casualty Insurance Producer License (AZ) practice test?
Yes -- one full 33-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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