Free California Property & Casualty Insurance License Exam Practice Test
Realistic 50-question practice exam with instant feedback and score reports.
About this practice exam
Free California Property & Casualty Insurance License Exam practice test with 50 realistic multiple-choice questions, instant grading, and explanations. Study with drill mode, category score reports, and a personalized review plan.
Exam format
- 50 multiple-choice practice questions
- Drill mode with instant feedback and explanations after each answer
Study tips
- Review the official exam content outline before your first practice run.
- Take the full practice exam once to establish a baseline score by category.
- Focus review on categories where you score below the passing threshold.
- Re-take missed questions in drill mode until you can explain each correct answer.
- Schedule the real exam only after consistent passing scores on practice tests.
Sample CA P&C practice questions
Try a few representative questions below. Each includes the correct answer and a short explanation — the same style you'll see in the full practice test.
- Question 1Commercial General Liability
A commercial general liability policy is written on a claims-made basis. The policy period is January 1, 2023, to January 1, 2024. The insured discovers a potential claim on March 15, 2024, related to an occurrence that happened on October 10, 2023. The policy had a retroactive date of January 1, 2023. If the policy has a 60-day notice of claims provision, when must the insured report the claim to be covered?
- A.By March 15, 2024
- B.By May 14, 2024(Correct)
- C.The claim is not covered because it was reported after the policy period
- D.By January 1, 2025
Explanation
Claims-made policies cover incidents reported during the policy period, but the notice provision extends this. The 60-day notice provision allows reporting after the policy expires, provided the occurrence happened during the policy period and after the retroactive date. Therefore, the claim must be reported within 60 days of March 15, 2024, which is May 14, 2024.
- Question 2Commercial Property Insurance
An insured's commercial property policy has a deductible of $5,000 per occurrence. A fire causes $15,000 in damage to building A and $8,000 in damage to building B. What is the maximum the insurer will pay for this single fire loss?
- A.$23,000
- B.$18,000(Correct)
- C.$15,000
- D.$10,000
Explanation
The deductible applies per occurrence. The total damage is $15,000 + $8,000 = $23,000. Since the deductible is $5,000 per occurrence, the insurer will pay $23,000 - $5,000 = $18,000.
- Question 3Business Owners Policy (BOP)
A business owner has a Business Owners Policy (BOP) with a Coverage A limit of $1,000,000 and a Coverage B limit of $500,000. The building is valued at $800,000, and the business personal property is valued at $400,000. A fire destroys the building and contents. Assuming no coinsurance penalty, how much will the policy pay for the loss to the building and contents?
- A.$1,500,000
- B.$1,400,000
- C.$1,000,000
- D.$1,200,000(Correct)
Explanation
A BOP typically includes both building (Coverage A) and business personal property (Coverage B) under a single policy limit, often with sub-limits. In this case, the total insurable value is $800,000 (building) + $400,000 (contents) = $1,200,000. Since this is within the combined Coverage A and B limits ($1,000,000 + $500,000 = $1,500,000) and there's no coinsurance penalty, the policy will pay the actual loss amount, which is $1,200,000.
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Frequently asked questions
How many questions are on this CA P&C practice test?
This practice test includes 50 multiple-choice questions designed to mirror the format and difficulty of the real California Property & Casualty Insurance License Exam.
Is this CA P&C practice test free?
Yes. You can start practicing for free. Create an account to save progress, track weak categories, and retake the exam.
Do I get explanations after each question?
Yes. In drill mode you see why the correct answer is right, why distractors are wrong, and practical examples where relevant.
How should I use this practice test to prepare?
Take the full exam under timed conditions, review missed questions by category, then focus study on your weakest sections before scheduling the real exam.
Does this replace official exam materials?
No. Use this as a supplement alongside official candidate information bulletins, textbooks, and hands-on experience required for your license or certification.
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