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Free Ohio Property and Casualty Practice Exam Online

Official exam: Property & Casualty Insurance Producer (Ohio)

Take a free Ohio Property and Casualty practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 190-question bank and the timed simulator are $14.99 for 30 days.

First published: September 1, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
TL;DR

Property & Casualty Insurance Producer (Ohio): a 190-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 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 (76%) and ORC (13%) of this exam's citations.

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3
full papers, no repeats
50
questions per paper
190
questions in the bank
What this exam covers
5 real sample questions
A property-and-casualty policy raises “risk control.” Which statement should guide the producer?
A. Loss prevention focuses on stopping losses before they occur
B. Risk avoidance eliminates an exposure by not engaging in the activity
C. Risk control reduces the frequency or severity of losses through prevention, safety, or mitigation measures
D. Facultative reinsurance covers an individual risk by separate agreement
Show answer and reasoning

Correct answer: C. Risk control reduces the frequency or severity of losses through prevention, safety, or mitigation measures

  • A: This states the rule for loss prevention: Loss prevention focuses on stopping losses before they occur. The question instead asks about risk control, which has a different trigger or coverage function.
  • B: This states the rule for risk avoidance: Risk avoidance eliminates an exposure by not engaging in the activity. The question instead asks about risk control, which has a different trigger or coverage function.
  • D: This states the rule for facultative reinsurance: Facultative reinsurance covers an individual risk by separate agreement. The question instead asks about risk control, which has a different trigger or coverage function.
Source: NAIC Unfair Claims Settlement Practices Act, Model 900 — Sections 3-4, claim investigation, communications, settlement, and documentation standards; locator 'Risk Control'; https://content.naic.org/sites/default/files/model-law-900.pdf
During coverage analysis, “homeowners ho-3 concept” becomes relevant. Which conclusion is correct?
A. An HO-3 commonly provides open-perils coverage on the dwelling and named-perils coverage on personal property
B. An HO-4 is commonly used for renters and focuses on personal property and liability, not building ownership coverage
C. Homeowners Coverage A applies to the dwelling described in the policy, subject to policy terms
D. Homeowners personal liability can cover damages for bodily injury or property damage for which an insured is legally liable
Show answer and reasoning

Correct answer: A. An HO-3 commonly provides open-perils coverage on the dwelling and named-perils coverage on personal property

  • B: This states the rule for homeowners ho-4 renters: An HO-4 is commonly used for renters and focuses on personal property and liability, not building ownership coverage. The question instead asks about homeowners ho-3 concept, which has a different trigger or coverage function.
  • C: This states the rule for coverage a dwelling: Homeowners Coverage A applies to the dwelling described in the policy, subject to policy terms. The question instead asks about homeowners ho-3 concept, which has a different trigger or coverage function.
  • D: This states the rule for personal liability: Homeowners personal liability can cover damages for bodily injury or property damage for which an insured is legally liable. The question instead asks about homeowners ho-3 concept, which has a different trigger or coverage function.
Source: National Association of Insurance Commissioners — Glossary of Insurance Terms; entry/locator 'Homeowners Ho-3 Concept'; https://content.naic.org/glossary-insurance-terms
Which statement correctly distinguishes “homeowners ho-4 renters” from related property-and-casualty concepts?
A. An HO-6 is commonly used by condominium unit owners for unit-owner property, improvements, personal property, and liability
B. Coverage B applies to other structures on the residence premises separated from the dwelling
C. An HO-4 is commonly used for renters and focuses on personal property and liability, not building ownership coverage
D. Medical payments to others can pay small medical expenses for others injured regardless of legal liability, subject to policy limits
Show answer and reasoning

Correct answer: C. An HO-4 is commonly used for renters and focuses on personal property and liability, not building ownership coverage

  • A: This states the rule for homeowners ho-6 condo: An HO-6 is commonly used by condominium unit owners for unit-owner property, improvements, personal property, and liability. The question instead asks about homeowners ho-4 renters, which has a different trigger or coverage function.
  • B: This states the rule for coverage b other structures: Coverage B applies to other structures on the residence premises separated from the dwelling. The question instead asks about homeowners ho-4 renters, which has a different trigger or coverage function.
  • D: This states the rule for medical payments to others: Medical payments to others can pay small medical expenses for others injured regardless of legal liability, subject to policy limits. The question instead asks about homeowners ho-4 renters, which has a different trigger or coverage function.
Source: National Association of Insurance Commissioners — Glossary of Insurance Terms; entry/locator 'Homeowners Ho-4 Renters'; https://content.naic.org/glossary-insurance-terms
A producer encounters an issue involving “homeowners ho-6 condo.” Which explanation is accurate?
A. Homeowners Coverage A applies to the dwelling described in the policy, subject to policy terms
B. An HO-6 is commonly used by condominium unit owners for unit-owner property, improvements, personal property, and liability
C. Coverage C applies to covered personal property owned or used by an insured, subject to limits and exclusions
D. A dwelling policy can insure residential property that may not fit a homeowners form, often with fewer package features
Show answer and reasoning

Correct answer: B. An HO-6 is commonly used by condominium unit owners for unit-owner property, improvements, personal property, and liability

  • A: This states the rule for coverage a dwelling: Homeowners Coverage A applies to the dwelling described in the policy, subject to policy terms. The question instead asks about homeowners ho-6 condo, which has a different trigger or coverage function.
  • C: This states the rule for coverage c personal property: Coverage C applies to covered personal property owned or used by an insured, subject to limits and exclusions. The question instead asks about homeowners ho-6 condo, which has a different trigger or coverage function.
  • D: This states the rule for dwelling policy: A dwelling policy can insure residential property that may not fit a homeowners form, often with fewer package features. The question instead asks about homeowners ho-6 condo, which has a different trigger or coverage function.
Source: National Association of Insurance Commissioners — Glossary of Insurance Terms; entry/locator 'Homeowners Ho-6 Condo'; https://content.naic.org/glossary-insurance-terms
A property-and-casualty policy raises “coverage a dwelling.” Which statement should guide the producer?
A. Coverage B applies to other structures on the residence premises separated from the dwelling
B. Coverage D can pay additional living expense or fair rental value when a covered loss makes premises unusable
C. Homeowners Coverage A applies to the dwelling described in the policy, subject to policy terms
D. The building and personal property coverage form can cover buildings, business personal property, and personal property of others
Show answer and reasoning

Correct answer: C. Homeowners Coverage A applies to the dwelling described in the policy, subject to policy terms

  • A: This states the rule for coverage b other structures: Coverage B applies to other structures on the residence premises separated from the dwelling. The question instead asks about coverage a dwelling, which has a different trigger or coverage function.
  • B: This states the rule for coverage d loss of use: Coverage D can pay additional living expense or fair rental value when a covered loss makes premises unusable. The question instead asks about coverage a dwelling, which has a different trigger or coverage function.
  • D: This states the rule for commercial building and personal property: The building and personal property coverage form can cover buildings, business personal property, and personal property of others. The question instead asks about coverage a dwelling, which has a different trigger or coverage function.
Source: National Association of Insurance Commissioners — Glossary of Insurance Terms; entry/locator 'Coverage A Dwelling'; https://content.naic.org/glossary-insurance-terms
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (OH)May 2025$61,260/yr

Frequently asked questions

Where can I take a free Ohio Property and Casualty practice exam online?
Right here. CertQuestUSA's free Ohio 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 190-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 (Ohio) practice test?
190 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Property & Casualty Insurance Producer (Ohio) test cover?
18 domains, with the heaviest weight on Casualty Insurance: Liability and Commercial General Liability (13%), Claims, Loss Settlement, Underwriting, Risk Control, and Reinsurance (13%), and Insurance Contracts, Policy Structure, and Risk Concepts (13%).
Where do CertQuestUSA's Property & Casualty Insurance Producer (Ohio) questions come from?
Primarily content.naic.org (76%) and ORC (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 (Ohio) 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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