Free Nevada Personal Lines Practice Exam Online

Correct answer: B. A limited-scope line of authority focused on personal (non-commercial) auto, homeowners, and related personal insurance products, narrower than the full Property and Casualty line

Correct. The Personal Lines line of authority authorizes producers to transact personal insurance lines, such as personal auto and homeowners coverage, but does not extend to the broader commercial property and casualty exposures a full P&C license covers.

• A: Personal Lines is not identical to full Property and Casualty; it is a narrower line of authority under NRS 683A.261.
• C: Personal Lines authority centers on personal, not commercial, exposures; commercial general liability falls outside its scope.
• D: A producer who already holds the full Property and Casualty line of authority does not also need a separate Personal Lines license, since the broader P&C authority encompasses personal lines business.

Correct answer: B. A homeowners policy for an individual's primary residence

Correct. A homeowners policy insuring an individual's personal residence is a core personal lines product squarely within the scope of the Personal Lines line of authority.

• A: Commercial general liability for a business is a commercial exposure outside the scope of a Personal Lines-only authority.
• C: Workers' compensation is a commercial coverage tied to a business's employees, not a personal lines product.
• D: A commercial umbrella policy sits above commercial underlying policies for a business, placing it outside personal lines scope.

Correct answer: B. Because the Personal Lines line of authority is scoped to match the producer's actual personal-lines book of business without licensing them for commercial exposures they will not handle

Correct. Matching the license's scope to the actual work performed, personal auto and homeowners for individual clients, avoids licensing (and testing) the producer for commercial coverages they do not sell, while still meeting Nevada's licensing requirement for the business they do write.

• A: Personal Lines still requires passing an applicable Division-approved examination; it is not exam-free.
• C: Workers' compensation is a commercial line and is not included within Personal Lines authority.
• D: Personal Lines licensees are still subject to Nevada's continuing education requirements under NAC 683A.330, just as full P&C licensees are.

Correct answer: A. 30 hours within the preceding 3 years, including 3 hours of ethics

Correct. Like other major lines of authority renewing under NAC 683A.330, Personal Lines licensees must complete 30 hours of approved continuing education within the 3-year period before renewal, including 3 hours of ethics.

• B: A 1-year, 10-hour cycle with no ethics component does not match Nevada's actual continuing education structure for this license.
• C: Being a limited-scope license does not exempt Personal Lines from Nevada's standard continuing education requirement, unlike some narrow limited lines (such as travel or rental car) that carry lighter CE obligations.
• D: 60 hours with 10 hours of ethics substantially overstates the actual requirement.

Correct answer: A. $25,000 bodily injury per person / $50,000 bodily injury per accident / $20,000 property damage

Correct. NRS 485.185 currently requires minimum limits of $25,000 per person / $50,000 per accident for bodily injury or death, and $20,000 for property damage per accident, often abbreviated 25/50/20.

• B: $15,000/$30,000/$10,000 reflects Nevada's prior, lower minimum limits before the increase that took effect July 1, 2018, and is no longer the current requirement.
• C: $30,000/$60,000/$25,000 does not match Nevada's actual current statutory minimums.
• D: Nevada's statutory minimum is expressed as split limits, not a single combined limit, under the current version of the statute.