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Free Florida Property and Casualty Practice Exam Online

Official exam: Property & Casualty Insurance Producer (Florida)

Take a free Florida Property and Casualty practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 210-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

Property & Casualty Insurance Producer (Florida): a 210-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 4 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 content.naic.org (69%) and Fla. Stat. (25%) of this exam's citations.

Take a full practice test free. 50 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.
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4
full papers, no repeats
50
questions per paper
210
questions in the bank
What this exam covers
5 real sample questions
A licensee under §626.2815 who has held the license for 6 or more years qualifies for a reduced elective CE minimum of:
A. 20 hours every 2 years
B. 24 hours every 2 years
C. 16 hours every 2 years
D. 8 hours every 2 years
Show answer and reasoning

Correct answer: C. 16 hours every 2 years

  • A: 20 hours is the general baseline for less-experienced licensees, not the reduced figure for the 6+ year tier.
  • B: 24 hours exceeds any figure specified in §626.2815.
  • D: 8 hours understates the reduced minimum for the 6+ year experience tier.
Source: Fla. Stat. §626.2815
Under Fla. Stat. §627.701(3), insurers offering hurricane deductibles on personal lines residential policies must give policyholders written notice of the deductible's availability at least:
A. Every 6 months
B. Every year
C. Once every 3 years
D. Once, at initial policy issuance only, with no further notice required
Show answer and reasoning

Correct answer: C. Once every 3 years

  • A: The statutory notice interval is longer than every 6 months.
  • B: Annual notice is not the interval set by §627.701(3).
  • D: The statute requires periodic renewed notice, not a single one-time notice at issuance.
Source: Fla. Stat. §627.701(3)
The FHCF reimburses a participating insurer for hurricane losses that exceed:
A. The insurer's individual retention
B. $0, i.e., first-dollar coverage from the first hurricane loss
C. The insurer's entire policyholder surplus
D. A flat statewide deductible of $2 million applicable to every insurer
Show answer and reasoning

Correct answer: A. The insurer's individual retention

  • B: The FHCF is an excess-of-loss reimbursement mechanism, not first-dollar coverage; a retention must be met first.
  • C: Reimbursement is tied to a company-specific retention figure, not to the insurer's total surplus.
  • D: There is no flat, uniform $2 million statewide deductible; retentions are calculated per insurer.
Source: Fla. Stat. §215.555(4)
The FHCF is best described as:
A. A private commercial reinsurance company
B. A tax-exempt state trust fund that reimburses residential property insurers for a portion of catastrophic hurricane losses
C. A federal program that reinsures the National Flood Insurance Program
D. A guaranty association that pays claims of insolvent Florida insurers
Show answer and reasoning

Correct answer: B. A tax-exempt state trust fund that reimburses residential property insurers for a portion of catastrophic hurricane losses

  • A: The FHCF is a state trust fund, not a private commercial reinsurer.
  • C: The FHCF is a Florida state fund, not a federal flood-reinsurance program.
  • D: The FHCF is distinct from Florida's insurer-insolvency guaranty association mechanism; it reimburses hurricane losses of solvent participating insurers.
Source: Fla. Stat. §215.555(1)-(2)
Which Florida agency is responsible for licensing property & casualty insurance producers and agencies?
A. The Department of Financial Services (DFS)
B. The Office of Insurance Regulation (OIR)
C. The Financial Services Commission (FSC)
D. The Office of Financial Regulation (OFR)
Show answer and reasoning

Correct answer: A. The Department of Financial Services (DFS)

  • B: OIR is responsible for insurer-side regulation (rates, policy forms, solvency, market conduct), not individual producer licensing.
  • C: The FSC is the Governor-and-Cabinet body that heads OIR and OFR as agency head; it is not the office that processes producer license applications.
  • D: OFR regulates the banking, finance, and securities industries in Florida, not insurance producers.
Source: Fla. Stat. §20.121; Florida DFS/OIR, "Organization and Operation" (floir.gov)
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
Related reading
How Hard Is the Property & Casualty Insurance Exam? The Real Pass-Rate Picture ›

Frequently asked questions

Where can I take a free Florida Property and Casualty practice exam online?
Right here. CertQuestUSA's free Florida Property and Casualty 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 210-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 Property & Casualty Insurance Producer (Florida) practice test?
210 questions total, split into 4 full papers of 50 each with no repeats across papers.
What topics does the Property & Casualty Insurance Producer (Florida) test cover?
16 domains, with the heaviest weight on Casualty Insurance: Liability and Commercial General Liability (12%), Claims, Loss Settlement, Underwriting, Risk Control, and Reinsurance (12%), and Insurance Contracts, Policy Structure, and Risk Concepts (12%).
Where do CertQuestUSA's Property & Casualty Insurance Producer (Florida) questions come from?
Primarily content.naic.org (69%) and Fla. Stat. (25%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Property & Casualty 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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