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Free New York Property and Casualty Practice Exam Online

Official exam: Property & Casualty Insurance Producer (New York)

Take a free New York Property and Casualty practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 215-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 (New York): a 215-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 (67%) and N.Y. Insurance Law (13%) 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
215
questions in the bank
What this exam covers
5 real sample questions
What is New York's current minimum required property damage liability limit for an automobile policy?
A. $5,000
B. $25,000
C. $15,000
D. $10,000
Show answer and reasoning

Correct answer: D. $10,000

  • A: $5,000 is lower than New York's currently required minimum.
  • B: $25,000 is New York's per-person bodily injury minimum, not the property damage minimum.
  • C: $15,000 does not match New York's currently enacted minimum property damage limit.
Source: N.Y. Insurance Law § 3420; N.Y. Vehicle and Traffic Law § 311
Which of the following is NOT one of the components that make up 'basic economic loss' under New York's no-fault law?
A. Medical expense
B. Work loss
C. Pain and suffering
D. Death benefit
Show answer and reasoning

Correct answer: C. Pain and suffering

  • A: Medical expense is one of the recognized components of basic economic loss.
  • B: Work loss is one of the recognized components of basic economic loss.
  • D: A death benefit is one of the recognized components of basic economic loss when death occurs.
Source: 11 NYCRR § 65-1.1 (Regulation 68); N.Y. Insurance Law Article 51
Which entity serves as New York's residual market mechanism for property insurance, providing basic fire and extended coverage to property owners who cannot obtain coverage in the voluntary market?
A. New York Property Insurance Underwriting Association (NYPIUA)
B. New York Automobile Insurance Plan
C. New York Guaranty Fund
D. New York State Insurance Fund
Show answer and reasoning

Correct answer: A. New York Property Insurance Underwriting Association (NYPIUA)

  • B: The New York Automobile Insurance Plan is the residual market for auto liability coverage, not property insurance.
  • C: The New York property/casualty guaranty fund pays claims of insolvent insurers; it does not underwrite new property policies.
  • D: The New York State Insurance Fund is a workers' compensation carrier, not a property residual-market plan.
Source: N.Y. Insurance Law Article 54, § 5401 et seq.
Under New York Insurance Law Article 54, which insurers are required to be members of NYPIUA?
A. Only insurers with less than $10 million in surplus
B. All insurers authorized to write and actually writing fire and extended coverage insurance in New York
C. Only insurers that voluntarily elect to participate
D. Only surplus lines insurers writing coastal risks
Show answer and reasoning

Correct answer: B. All insurers authorized to write and actually writing fire and extended coverage insurance in New York

  • A: Membership is not tied to a surplus threshold under Article 54.
  • C: Membership in NYPIUA is mandatory, not voluntary, as a condition of continuing authority to write fire, extended coverage, and homeowners insurance in New York.
  • D: Excess/surplus lines (nonadmitted) insurers are not NYPIUA members; membership applies to authorized admitted insurers.
Source: N.Y. Insurance Law § 5402
For NYPIUA windstorm coverage, the mandatory eligibility inspection standards specifically apply to property located where?
A. Anywhere in New York State
B. Only in New York City's five boroughs
C. On barrier islands or within 1,500 feet of the coast
D. Only in federally declared flood zones
Show answer and reasoning

Correct answer: C. On barrier islands or within 1,500 feet of the coast

  • A: The windstorm inspection eligibility standards are geographically limited to coastal-proximity property, not the entire state.
  • B: NYPIUA's windstorm eligibility rules are not limited to the five boroughs; they apply statewide to qualifying coastal property.
  • D: Windstorm eligibility inspections are based on proximity to the coast, not FEMA flood-zone designation.
Source: NYPIUA Windstorm Inspection Certification and Eligibility Requirements, published by NYPIUA under Insurance Law Article 54
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (NY)May 2025$78,110/yr

Frequently asked questions

Where can I take a free New York Property and Casualty practice exam online?
Right here. CertQuestUSA's free New York 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 215-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 (New York) practice test?
215 questions total, split into 4 full papers of 50 each with no repeats across papers.
What topics does the Property & Casualty Insurance Producer (New York) test cover?
18 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 (New York) questions come from?
Primarily content.naic.org (67%) and N.Y. Insurance Law (13%) 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 (New York) 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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