Personal Lines Insurance Producer (New Jersey)

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

TL;DR

Personal Lines Insurance Producer (New Jersey): a 132-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 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 iii.org (33%) and iiat.org (23%) of this exam's citations.

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

50

questions per paper

132

questions in the bank

What this exam covers

Claims, Ethics, Producer Duties, and General Regulation8%
Homeowners, Dwelling, Renters, and Condo Coverage23%
Nj Homeowners Dwelling Policy Regulation9%
Nj Personal Auto Policy Regulation10%
Nj Personal Lines License Authority5%
Personal Auto Coverage19%
Personal Insurance Contracts and Risk Basics15%
Personal Umbrella, Inland Marine, Flood, and Specialty Personal Lines11%

5 real sample questions

Under N.J.A.C. 11:17-2.2, what does New Jersey's 'personal lines' producer license authority cover?

A. All commercial general liability and workers' compensation coverage sold to businesses

B. All property and casualty insurance coverage sold to individuals and families for primarily noncommercial purposes

C. Only private passenger automobile insurance, excluding any residential property coverage

D. Any insurance sold by a producer who also holds a life and health authority

Source: N.J.A.C. 11:17-2.2

Which of the following is NOT one of the producer license authorities recognized under N.J.A.C. 11:17-2.2?

A. Title insurance authority

B. Surplus lines authority

C. Variable life and variable annuity authority

D. General underwriting authority

Source: N.J.A.C. 11:17-2.2

How is the initial term of a resident individual producer license, and its subsequent renewal cycle, established in New Jersey?

A. It expires on the last day of the producer's birth month in the year that results in a term of at least 18 months, then renews every two years on that same date

B. It expires exactly 12 months from the date of issuance regardless of the producer's birth month

C. It expires on December 31 of the year issued and must be renewed every calendar year

D. It remains valid indefinitely once issued, with no fixed renewal date

Source: N.J.A.C. 11:17-2.1

How many continuing education credit hours must a New Jersey resident producer complete per licensing term to renew, and what is the ethics component?

A. 12 credit hours with no ethics component

B. 40 credit hours including 10 hours of ethics

C. 24 credit hours per licensing term, including 3 hours of professional ethics

D. 8 credit hours renewed annually

Source: N.J.A.C. 11:17-3.6

How much advance notice must a New Jersey homeowners insurer give before nonrenewing a policy?

A. 15 days flat, with no possibility of Commissioner-ordered extension

B. There is no advance notice requirement distinct from the cancellation notice

C. At least 60 days, extendable by the Commissioner by regulation up to an additional 30 days

D. One full calendar year from the policy's inception date

Source: N.J.S.A. 17:29C-9

Same exam, other states

AL AR AZ CA CO CT DC FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS NC NE NH 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 wage (NJ)May 2025$81,640/yr

Frequently asked questions

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

132 questions total, split into 3 full papers of 50 each with no repeats across papers.

What topics does the Personal Lines Insurance Producer (New Jersey) test cover?

8 domains, with the heaviest weight on Homeowners, Dwelling, Renters, and Condo Coverage (23%), Personal Auto Coverage (19%), and Personal Insurance Contracts and Risk Basics (15%).

Where do CertQuestUSA's Personal Lines Insurance Producer (New Jersey) questions come from?

Primarily iii.org (33%) and iiat.org (23%) 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 (New Jersey)?

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