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Free Florida Personal Lines Practice Exam Online

Official exam: Personal Lines Insurance Producer (Florida)

Take a free Florida Personal Lines practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 137-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

Personal Lines Insurance Producer (Florida): a 137-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 2 full papers of 50 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 iii.org (31%) and Fla. Stat. (26%) of this exam's citations.

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2
full papers, no repeats
50
questions per paper
137
questions in the bank
What this exam covers
5 real sample questions
Under Fla. Stat. §626.015, a Florida resident "personal lines agent" (the 20-44 license) is defined as a general lines agent whose transactions are limited to:
A. Property and casualty insurance sold to individuals and families for noncommercial purposes
B. Any property and casualty insurance, including commercial risks, so long as the insured is an individual policyholder
C. Life and health insurance sold to individuals for personal, non-business purposes
D. Surplus lines property and casualty insurance placed for personal-lines risks only
Show answer and reasoning

Correct answer: A. Property and casualty insurance sold to individuals and families for noncommercial purposes

  • B: The 20-44 license does not extend to commercial risks regardless of whether the buyer is an individual; commercial exposures require a 2-20 general lines license.
  • C: Personal lines agent authority under §626.015 is a property and casualty designation, not a life and health designation.
  • D: The personal lines agent license is a general lines (property and casualty) designation, not a surplus lines authority, which requires a separate license.
Source: Fla. Stat. §626.015
A Florida personal lines agent (20-44) wants to write a commercial property policy for a small retail shop owned by an individual client. Under the personal lines license scope, this producer:
A. May write it only if the premium is under a statutory de minimis threshold
B. May not write it, because the risk is commercial rather than noncommercial regardless of the owner's status as an individual
C. May write it only with written consent from the Department of Financial Services
D. May write it because the shop owner is an individual, not a business entity
Show answer and reasoning

Correct answer: B. May not write it, because the risk is commercial rather than noncommercial regardless of the owner's status as an individual

  • A: No statutory premium threshold exception exists that would bring a commercial risk within personal lines authority.
  • C: DFS consent is not a mechanism that expands a 20-44 license's statutory scope; a 2-20 general lines license is required instead.
  • D: The individual-versus-business-entity status of the policyholder is not the test; the nature of the risk (commercial vs. noncommercial) governs scope under §626.015.
Source: Fla. Stat. §626.015
One of the statutory pathways to qualify for Florida's resident 20-44 Personal Lines Agent license, per the DFS licensure requirements, includes completing at least six months within the last four years of responsible insurance duties while licensed and appointed as which of the following?
A. A title insurance agent (2-27)
B. A licensed public adjuster
C. A Customer Representative (4-40), Limited Customer Representative (4-42), or Service Representative (0-55)
D. A resident 2-15 life, health, and variable annuity agent
Show answer and reasoning

Correct answer: C. A Customer Representative (4-40), Limited Customer Representative (4-42), or Service Representative (0-55)

  • A: Title insurance experience under a 2-27 license is not a qualifying pathway for the personal lines agent license.
  • B: Public adjuster experience is not one of the qualifying experience pathways listed for the 20-44 personal lines license.
  • D: A 2-15 life/health license is unrelated to the property and casualty experience pathway required for the 20-44 license.
Source: DFS 20-44 Resident Personal Lines License requirements (myfloridacfo.com)
A Florida 20-44 personal lines agent license goes without an active appointment for 50 consecutive months. Under the statutory expiration rule tied to appointment lapse, what happens to the license?
A. It is suspended for one year but may be reinstated without re-examination
B. It automatically converts to a 2-20 general lines license
C. It remains valid indefinitely as long as continuing education is current
D. It expires, because Fla. Stat. §626.431(3) provides for expiration once a license goes unappointed for 48 months
Show answer and reasoning

Correct answer: D. It expires, because Fla. Stat. §626.431(3) provides for expiration once a license goes unappointed for 48 months

  • A: The statute provides for expiration, not a one-year suspension, once the 48-month unappointed threshold is exceeded.
  • B: There is no statutory conversion of an unappointed personal lines license into a general lines license.
  • C: Continuing education compliance does not override the appointment-lapse expiration rule.
Source: Fla. Stat. §626.431(3)
Under Florida's no-fault Personal Injury Protection (PIP) law, Fla. Stat. §627.736, what is the minimum combined medical and disability benefit that a private passenger motor vehicle owner must carry?
A. $10,000
B. $25,000
C. $50,000
D. $5,000
Show answer and reasoning

Correct answer: A. $10,000

  • B: $25,000 is not the PIP statutory minimum; it is a figure commonly associated with bodily injury liability limits in other states, not Florida's PIP requirement.
  • C: $50,000 substantially overstates Florida's statutory PIP minimum.
  • D: $5,000 is the separate death benefit amount under the PIP statute, not the medical/disability minimum.
Source: Fla. Stat. §627.736
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (FL)May 2025$59,790/yr

Frequently asked questions

Where can I take a free Florida Personal Lines practice exam online?
Right here. CertQuestUSA's free Florida Personal Lines practice exam online is a full 50-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 137-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 Personal Lines Insurance Producer (Florida) practice test?
137 questions total, split into 2 full papers of 50 each with no repeats across papers.
What topics does the Personal Lines Insurance Producer (Florida) test cover?
15 domains, with the heaviest weight on Homeowners, Dwelling, Renters, and Condo Coverage (22%), Personal Auto Coverage (18%), and Personal Insurance Contracts and Risk Basics (15%).
Where do CertQuestUSA's Personal Lines Insurance Producer (Florida) questions come from?
Primarily iii.org (31%) and Fla. Stat. (26%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Personal Lines Insurance Producer (Florida) practice test?
Yes -- one full 50-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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