Personal Lines Insurance Producer License (ID)

First published: September 4, 2026Last verified: September 4, 2026Reviewed by the CertQuestUSA team

TL;DR

Personal Lines Insurance Producer License (ID): a 130-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 130 questions each with no repeats, every question citing the real regulation it comes from.

Not sure where you stand? Take the free diagnostic — 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.

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3

full papers, no repeats

130

questions per paper

130

questions in the bank

What this exam covers

Idaho Statutes, Rules, and Regulations Common to All Licenses8%
Idaho Statutes, Rules, and Regulations Common to Property, Casualty and Personal Lines Insurance Only4%
Idaho Statutes, Rules, and Regulations Pertinent to Personal Lines Insurance Only8%
Property and Casualty Policy Provisions and Contract Law18%
Property and Casualty Insurance Terms and Related Concepts31%
Types of Casualty Policies (Personal Auto, Umbrella/Excess Liability)19%
Types of Property Policies (Homeowners, Dwelling, Inland Marine, NFIP)12%

5 real sample questions

Which homeowners policy form is designed specifically for a tenant who is renting a unit and does not own the building structure?

A. HO-2

B. HO-3

C. HO-4

D. HO-6

Source: Pearson VUE Idaho Personal Lines Examination Content Outline (eff. 07/31/2025), Sec. I.A

An insured who owns a condominium unit and wants coverage for the interior finishes, personal property, and loss assessment exposure would purchase which homeowners form?

A. HO-3

B. HO-4

C. HO-6

D. HO-8

Source: Pearson VUE Idaho Personal Lines Examination Content Outline (eff. 07/31/2025), Sec. I.A

Which homeowners form is most commonly used to insure an older home whose replacement cost significantly exceeds its market value, using actual cash value or functional replacement cost settlement?

A. HO-2

B. HO-5

C. HO-6

D. HO-8

Source: Pearson VUE Idaho Personal Lines Examination Content Outline (eff. 07/31/2025), Sec. I.A

Which homeowners form provides the broadest coverage available, insuring both the dwelling and personal property on an open-perils (special form) basis?

A. HO-2

B. HO-3

C. HO-5

D. HO-8

Source: Pearson VUE Idaho Personal Lines Examination Content Outline (eff. 07/31/2025), Sec. I.A

A dwelling fire policy that covers a limited, named list of perils such as fire and lightning, with extended coverage endorsements typically added, is best described as which form?

A. DP-1

B. DP-2

C. DP-3

D. HO-3

Source: Pearson VUE Idaho Personal Lines Examination Content Outline (eff. 07/31/2025), Sec. I.B

Same exam, other states

AL AR AZ CA CO CT DC FL GA HI IA IL IN KS KY LA MA MD ME MI MN MO MS NC NE NH NJ NM NV NY OH OK OR PA SC TN TX UT VA WA WI WV

Real-world data for this exam

Insurance Sales Agents: real median wageMay 2025$62,280/yr

Frequently asked questions

How many questions are on the CertQuestUSA Personal Lines Insurance Producer License (ID) practice test?

130 questions total, split into 3 full papers of 130 each with no repeats across papers.

What topics does the Personal Lines Insurance Producer License (ID) test cover?

7 domains, with the heaviest weight on Property and Casualty Insurance Terms and Related Concepts (31%), Types of Casualty Policies (Personal Auto, Umbrella/Excess Liability) (19%), and Property and Casualty Policy Provisions and Contract Law (18%).

Is there a free diagnostic for Personal Lines Insurance Producer License (ID)?

Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.