Property & Casualty Insurance Producer (Florida)

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

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 citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily content.naic.org (69%) and Fla. Stat. (25%) 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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4

full papers, no repeats

50

questions per paper

210

questions in the bank

What this exam covers

Casualty Insurance: Liability and Commercial General Liability12%
Claims, Loss Settlement, Underwriting, Risk Control, and Reinsurance12%
Fl Aob Reform3%
Fl Attorney Fee Reform3%
Fl Citizens Property Insurance3%
Fl Flood Disclosure3%
Fl Hurricane Cat Fund3%
Fl Hurricane Deductible3%
Fl Producer Licensing Ce3%
Fl Prompt Pay Claims3%
Fl Regulatory Structure3%
Fl Unfair Claims Practices3%
Insurance Contracts, Policy Structure, and Risk Concepts12%
Personal Auto, Commercial Auto, Workers Compensation, and Umbrella12%
Producer Ethics, Advertising, Licensing Duties, and General Regulation12%
Property Insurance: Homeowners, Dwelling, and Commercial Property12%

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

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

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

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

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)

Source: Fla. Stat. §20.121; Florida DFS/OIR, "Organization and Operation" (floir.gov)

Same exam, other states

CA GA IL NY OH PA TX

Real-world data for this exam

Insurance Sales Agents: real median wage (FL)May 2025$59,790/yr

Frequently asked questions

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 diagnostic for Property & Casualty Insurance Producer (Florida)?

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