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Free Texas Property and Casualty Practice Exam Online

Official exam: Property & Casualty Insurance Producer (Texas)

Take a free Texas Property and Casualty practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 218-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 (Texas): a 218-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 (66%) and Tex. Ins. Code Ch. (14%) 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
218
questions in the bank
What this exam covers
5 real sample questions
The Texas Commissioner of Insurance actually implemented the Texas FAIR Plan Association in what month and year?
A. December 2002
B. June 2005
C. September 2010
D. January 1996
Show answer and reasoning

Correct answer: A. December 2002

  • B: June 2005 is not the FAIR Plan's implementation date.
  • C: September 2010 is not the FAIR Plan's implementation date.
  • D: January 1996 is not when the FAIR Plan was implemented, though the authorizing legislation predates this.
Source: Tex. Ins. Code Ch. 2211
Under the Texas Insurance Code, how many hours of continuing education must most individual agent license holders (including general property and casualty and personal lines property and casualty licensees) complete during each license period?
A. 12 hours
B. 24 hours
C. 30 hours
D. 40 hours
Show answer and reasoning

Correct answer: B. 24 hours

  • A: 12 hours is half the actual requirement and does not satisfy Tex. Ins. Code Sec. 4004.053.
  • C: 30 hours exceeds what Texas requires; the statute sets the requirement at 24 hours.
  • D: 40 hours is not the Texas standard; that figure is not used in Chapter 4004.
Source: Tex. Ins. Code Sec. 4004.053
As part of the 24-hour continuing education requirement, Texas producers must complete a course on which specific subject during every renewal period?
A. A 3-hour cybersecurity course
B. A 3-hour flood insurance course
C. A 3-hour long-term care course
D. A 3-hour ethics course
Show answer and reasoning

Correct answer: D. A 3-hour ethics course

  • A: Texas's CE mandate is an ethics course, not a cybersecurity course.
  • B: Texas does not mandate a stand-alone flood insurance course as part of the general CE requirement.
  • C: A long-term care course is not the mandated topic; that requirement does not appear in the general agent CE rules.
Source: Tex. Ins. Code Ch. 4004
When does a Texas resident insurance producer license expire under the state's biennial renewal cycle?
A. On the last day of the licensee's birth month, every two years
B. On December 31 of every even-numbered year
C. Exactly 24 months from the date of the exam
D. On the anniversary of the agency's TDI appointment
Show answer and reasoning

Correct answer: A. On the last day of the licensee's birth month, every two years

  • B: Texas does not use a fixed calendar-year expiration date for all licensees; expiration is tied to the individual's birth month.
  • C: Expiration is tied to the birth month cycle, not strictly to the exam date.
  • D: License expiration is set by the licensee's birth month, not the agency appointment date.
Source: Tex. Ins. Code Ch. 4001, Ch. 4004
A Texas producer who has been continuously licensed for at least 20 years since January 1, 2003, may seek what relief from the standard continuing education requirement?
A. Conversion to a lifetime license with no renewal
B. Automatic doubling of the CE cycle to four years
C. An exemption from the CE requirement by written request to TDI
D. A permanent waiver of license renewal fees
Show answer and reasoning

Correct answer: C. An exemption from the CE requirement by written request to TDI

  • A: Texas does not issue lifetime licenses; the license must still be renewed even with the CE exemption.
  • B: Texas does not offer a four-year CE cycle extension for long-tenured licensees; the relief is an exemption, not a longer cycle.
  • D: The 20-year provision addresses the CE requirement, not renewal fees.
Source: Tex. Ins. Code Ch. 4004
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (TX)May 2025$51,180/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 Texas Property and Casualty practice exam online?
Right here. CertQuestUSA's free Texas 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 218-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 (Texas) practice test?
218 questions total, split into 4 full papers of 50 each with no repeats across papers.
What topics does the Property & Casualty Insurance Producer (Texas) test cover?
21 domains, with the heaviest weight on Casualty Insurance: Liability and Commercial General Liability (11%), Claims, Loss Settlement, Underwriting, Risk Control, and Reinsurance (11%), and Insurance Contracts, Policy Structure, and Risk Concepts (11%).
Where do CertQuestUSA's Property & Casualty Insurance Producer (Texas) questions come from?
Primarily content.naic.org (66%) and Tex. Ins. Code Ch. (14%) 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 (Texas) 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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