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Personal Lines Insurance Producer License (MD)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team
TL;DR

Personal Lines Insurance Producer License (MD): a 32-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 32 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

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

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3
full papers, no repeats
32
questions per paper
32
questions in the bank
What this exam covers
5 real sample questions
Maryland's producer licensing structure lists Personal Lines as a distinct major line of authority, alongside Life, Health, Property, Casualty, and Variable Life/Annuity Products. What does the Personal Lines line of authority generally authorize a producer to sell?
A. Only commercial general liability and workers' compensation policies
B. Insurance for individual and family exposures such as homeowners, auto, dwelling fire, and similar personal-lines products, rather than the full scope of commercial property/casualty risks
C. Life insurance and annuities exclusively
D. Surplus lines coverage placed with non-admitted insurers only
Source: Maryland Insurance Administration producer licensing lines of authority
A producer holds only a Personal Lines line of authority in Maryland. Which type of risk would this authority NOT permit the producer to write?
A. A homeowners policy for a family residence
B. A private passenger auto policy for an individual
C. A commercial general liability policy for a retail store
D. A dwelling fire policy for a rental property owned by an individual
Source: Maryland Insurance Administration producer licensing lines of authority
In the standard Personal Auto Policy (PAP), which coverage part addresses the insured's legal obligation to pay for bodily injury or property damage the insured causes to others?
A. Part A - Liability Coverage
B. Part B - Medical Payments Coverage
C. Part C - Uninsured Motorist Coverage
D. Part D - Coverage for Damage to Your Auto
Source: General P&C product knowledge (Personal Auto Policy)
A Maryland personal-lines producer is explaining minimum liability requirements to a new auto insurance client. What should the producer accurately state as Maryland's current minimum limits?
A. $25,000 per person / $50,000 per accident bodily injury and $10,000 property damage
B. $30,000 per person / $60,000 per accident bodily injury and $15,000 property damage
C. $50,000 per person / $100,000 per accident bodily injury and $25,000 property damage
D. $100,000 combined single limit with no property damage sublimit
Source: Md. Code, Ins. § 19-505
A client tells the producer they do not want Personal Injury Protection (PIP) coverage on their new Maryland auto policy. What must happen for the insurer to properly exclude PIP from the policy?
A. Nothing further is needed; simply not requesting PIP is sufficient to exclude it
B. The client must sign a written (or properly documented electronic) waiver rejecting PIP coverage
C. PIP cannot be waived under any circumstances in Maryland
D. The producer alone can verbally waive PIP on the client's behalf without any client signature
Source: Md. Code, Ins. § 19-505 (PIP)
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (MD)May 2025$58,300/yr

Frequently asked questions

How many questions are on the CertQuestUSA Personal Lines Insurance Producer License (MD) practice test?
32 questions total, split into 3 full papers of 32 each with no repeats across papers.
What topics does the Personal Lines Insurance Producer License (MD) test cover?
5 domains, with the heaviest weight on Homeowners Forms (25%), Auto Policy Structure (19%), and Endorsements Personal Lines (19%).
Where do CertQuestUSA's Personal Lines Insurance Producer License (MD) questions come from?
Primarily Md. Code (100%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free diagnostic for Personal Lines Insurance Producer License (MD)?
Yes -- 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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