CertQuestUSA
Transportation70+AK/AL/AR +moreConstruction & Safety39+CAEnvironmental99+AL/AR/AZ +moreHealthcare & Clinical196+AL/AR/AZ +moreProfessional Licensing307+AL/AR/AZ +moreEducation & Teacher Certification24+CAAviation & FAA Certification9Finance & Securities Licensing23IT & Cloud Certification6Project Management1Military Entrance Testing1View all sectors ›

Free Massachusetts Property Casualty Practice Exam Online

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

Take a free Massachusetts Property Casualty practice exam online: a full 28-question paper with every answer explained, no sign-up, scored by topic. The full 28-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 (MA): a 28-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 28 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 M.G.L. c. (100%) of this exam's citations.

Take a full practice test free. 28 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.
Start diagnostic
Want the whole bank for Property & Casualty Insurance Producer License (MA)? One payment of $14.99 gives you 30 days of full access to this exam. It does not renew. No account needed to buy, and there is a 7-day money-back guarantee.
Not ready yet? Take the free practice test first.
Ways to pay for the full bank
30-day pass
$14.99
about $15 a month
This exam only. Pays once, does not renew.
Monthly
$19.99
$19.99 a month
Every exam. Cancel any time.
Yearly
$143.93
about $11.99 a month
Every exam. Billed once a year.
Lifetime
$39.99
pay once
This exam only, no time limit.

See all plans and bundles

3
full papers, no repeats
28
questions per paper
28
questions in the bank
What this exam covers
5 real sample questions
A Massachusetts P&C insurance producer would violate unfair trade practice regulations by engaging in which conduct?
A. Providing a quote within 48 hours of a customer request
B. Making a misrepresentation about policy terms to obtain a sale
C. Comparing coverage options from competing insurers
D. Charging a fee for consultation services
Show answer and reasoning

Correct answer: B. Making a misrepresentation about policy terms to obtain a sale

Correct: Misrepresentation of policy terms is a classic unfair practice under Massachusetts law.

  • A: Timely quotes demonstrate professional service.
  • C: Competitive comparisons are ethical practice.
  • D: Charging fees for services is lawful.
Source: M.G.L. c. 175, § 177 (unfair practices)
A Massachusetts homeowner files a claim for water damage caused by a burst pipe inside the walls. Which coverage would apply?
A. No coverage under any standard homeowners policy
B. Flood insurance endorsement
C. Water backup coverage only
D. Internal water damage under the HO-3 dwelling coverage
Show answer and reasoning

Correct answer: D. Internal water damage under the HO-3 dwelling coverage

Correct: Sudden internal water damage from burst pipes is covered under HO-3 dwelling coverage.

  • A: Burst pipe damage is covered, not excluded, under standard homeowners policies.
  • B: Flood insurance covers water from outside, not internal burst pipes.
  • C: Water backup is a specific endorsement for external water only.
Source: M.G.L. c. 175, § 99 (homeowners forms and coverage)
A Massachusetts P&C insurance producer licensing exam tests knowledge in which of the following areas?
A. Insurance law, ethics, and product knowledge
B. Real estate appraisal and mortgage lending
C. Securities trading and investment strategies
D. Accounting principles and tax preparation
Show answer and reasoning

Correct answer: A. Insurance law, ethics, and product knowledge

Correct: P&C producer licensing exams cover insurance law, ethics, products, and regulations.

  • B: Real estate appraisal is not part of P&C producer licensing.
  • C: Securities knowledge is separate from P&C insurance licensing.
  • D: Accounting and tax are not P&C producer exam subjects.
Source: M.G.L. c. 175, § 163 (examination requirements)
Under Massachusetts no-fault auto insurance, what is the monetary threshold that an injured party must meet in medical expenses before they can pursue a tort claim against the at-fault driver?
A. $1,000
B. $5,000
C. $10,000
D. $500
Show answer and reasoning

Correct answer: D. $500

Correct: Massachusetts uses a $500 monetary threshold for no-fault auto insurance.

  • A: $1,000 is below Massachusetts' actual monetary threshold for tort liability.
  • B: $5,000 exceeds the current Massachusetts monetary threshold.
  • C: $10,000 is too high and does not reflect Massachusetts' no-fault threshold.
Source: M.G.L. c. 231, § 6D (tort threshold for motor vehicle accidents)
A Massachusetts property and casualty insurance producer applies for an initial license. Which requirement is mandatory before the commissioner can issue the license?
A. Passing a state-approved licensing examination
B. Completion of a 40-hour pre-licensing course
C. Demonstration of financial stability with a bank statement
D. Submission of fingerprints for a background check
Show answer and reasoning

Correct answer: A. Passing a state-approved licensing examination

Correct: Passing a state licensing examination is the mandatory requirement for insurance producer licensure.

  • B: While pre-licensing education is often recommended, the examination is the primary mandatory requirement.
  • C: Financial stability documentation is not a standard licensing requirement for producers.
  • D: Background checks may be required but are processed after examination passage.
Source: M.G.L. c. 175, § 162 (insurance producer licensing)
Same exam, other states
ALARAZCOCTIAINKSKYLAMDMIMNMOMSNCNJNVOKORSCTNUTVAWAWI
Real-world data for this exam
Insurance Sales Agents: real median wage (MA)May 2025$79,300/yr

Frequently asked questions

Where can I take a free Massachusetts Property Casualty practice exam online?
Right here. CertQuestUSA's free Massachusetts Property Casualty practice exam online is a full 28-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 28-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 (MA) practice test?
28 questions total, split into 3 full papers of 28 each with no repeats across papers.
What topics does the Property & Casualty Insurance Producer License (MA) test cover?
6 domains, with the heaviest weight on Homeowners Coverage (29%), Producer Licensing (21%), and Producer Conduct (18%).
Where do CertQuestUSA's Property & Casualty Insurance Producer License (MA) questions come from?
Primarily M.G.L. c. (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 (MA) practice test?
Yes -- one full 28-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.
Composing your paper...