Texas · Personal Lines — Property & Casualty
Texas Personal Lines Property & Casualty Agent — Exam Prep
Self-paced exam preparation for the Texas Personal Lines — Property and Casualty producer license (TDI). Covers the Pearson VUE Texas Personal Lines P&C content outline. Not a state-approved pre-licensing course.
8
Sections
52
Lessons
500+
Practice questions
70%
Passing score
What you'll learn
Every section below is aligned with the Texas content outline.
Section 1I. Types of Policies5 lessons+
I. Types of Policies
5 lessons
- Homeowners Forms — HO-2, HO-3, HO-4, HO-5, HO-6, HO-8
- Dwelling Forms — DP-1, DP-2, DP-3
- Inland Marine — Personal Articles Floaters and Commercial Property Floaters
- National Flood Insurance Program (NFIP)
- Other Coverages — Earthquake, Mobile Homes, Watercraft, Farm Owners, Windstorm
Section 2II. Insurance Terms and Related Concepts10 lessons+
II. Insurance Terms and Related Concepts
10 lessons
- Insurance Fundamentals — Law of Large Numbers, Insurable Interest, Risk Transfer
- Risk, Hazard, and Peril — Risk Management Techniques
- Loss and Valuation — Direct vs. Indirect Loss, ACV, Replacement Cost, Agreed Value, Salvage
- Proximate Cause, Deductible, Indemnity, and Limits of Liability
- Coinsurance, Insurance-to-Value, and Occurrence
- Cancellation, Nonrenewal, Vacancy, and Unoccupancy
- Liability and Negligence — Elements, Types, and Defenses
- Binders, Endorsements, Blanket vs. Specific, and Crime Definitions
- Warranties, Representations, Concealment, Deposit Premium and Audit, Certificate of Insurance
- Damages and the Fair Credit Reporting Act (FCRA)
Section 3III. Policy Provisions and Contract Law8 lessons+
III. Policy Provisions and Contract Law
8 lessons
- Policy Structure — Declarations, Insuring Agreement, Conditions, Exclusions
- Definition of the Insured; Duties of the Insured; Obligations of the Insurance Company
- Mortgagee Rights; Proof of Loss; Notice of Claim; Appraisal
- Other-Insurance Provisions and Subrogation
- Elements of a Contract and Distinctive Characteristics of Insurance Contracts
- Warranties, Representations, and Concealment in Contract Law
- Sources of Underwriting Information; FCRA; GLBA Privacy Protection
- Policy Application; Terrorism Risk Insurance Act (TRIA); Policy Territory
Section 4IV. Personal Policies — Auto and Umbrella3 lessons+
IV. Personal Policies — Auto and Umbrella
3 lessons
- Personal Auto Policy (PAP)
- Umbrella and Excess Liability
- First-Party and Third-Party Bad Faith — Stowers, the Duty to Settle, and the Producer's Role
Section 5V. Insurance Terms and Related Concepts (Casualty emphasis)8 lessons+
V. Insurance Terms and Related Concepts (Casualty emphasis)
8 lessons
- Risk and Hazards in a Casualty Context
- Indemnity and Insurable Interest Applied to Casualty
- Loss Valuation in Casualty — Auto Physical Damage, Crime, and Bodily Injury
- Negligence, Liability, and Occurrence — Casualty Application
- Binders, Warranties, Representations, and Concealment — Casualty Practice
- Deposit Premium, Premium Audit, and Certificates of Insurance
- Law of Large Numbers and Pure vs. Speculative Risk — Casualty Application
- Endorsements, Damages, and FCRA Compliance in Casualty
Section 6VI. Policy Provisions7 lessons+
VI. Policy Provisions
7 lessons
- Declarations, Insuring Agreement, Conditions, Exclusions and Limitations — Casualty Forms
- Definition of the Insured; Duties of the Insured After a Loss — Casualty Context
- Cancellation and Nonrenewal Provisions — Casualty Policies
- Supplementary Payments; Proof of Loss; Notice of Claim
- Other Insurance; Subrogation — Casualty Context
- Loss Settlement Provisions Including Consent to Settle a Loss
- Terrorism Risk Insurance Act (TRIA); Liberalization Clause
Section 7VII. Texas Statutes and Rules Common to P&C Insurance6 lessons+
VII. Texas Statutes and Rules Common to P&C Insurance
6 lessons
- Commissioner of Insurance — Powers, Duties, Examination of Records, Investigation and Notice of Hearing, Penalties, Cease-and-Desist Orders
- Insurance Definitions — Certificate of Authority, Transacting Insurance, Foreign/Domestic/Alien, Stock/Mutual, Admitted/Nonadmitted, Texas Lloyds
- Licensing Requirements — Agent, Agency, Nonresident, Temporary, Limited, MGA, Surplus Lines, Adjuster, Risk Manager, Emergency
- Exemptions, Appointment, Continuing Education, Records, Application/Denial/Renewal/Expiration, Termination/Revocation/Suspension, Required Notifications
- Marketing Practices — Unfair/Prohibited Trade Practices, Advertising, Misrepresentation, Defamation, Controlled Business, Rebating, Discrimination, Fraud, Boycott/Coercion/Intimidation; Rating and Underwriting Practices
- Agent Duties and Responsibilities — Commission Sharing
Section 8VIII. Texas Statutes and Rules Pertinent to Personal Lines5 lessons+
VIII. Texas Statutes and Rules Pertinent to Personal Lines
5 lessons
- Property and Casualty Definitions
- Approval of Rates and Forms
- Homeowner's Insurance — Declination, Cancellation, Nonrenewal; FAIR Plan; TWIA; Loss Settlement; Liquidated Demand
- Automobile Insurance — Provisions, UM/UIM, PIP, Financial Responsibility, TAIPA, Rideshare
- Texas Property and Casualty Insurance Guaranty Association (TPCIGA) and Medical Liability JUA
How it works
1
Enroll
One-time payment of $49.99. Secure checkout powered by Stripe.
2
Study on your schedule
Read the lesson library, take section quizzes, and work through the practice-question bank as many times as you need.
3
Pass the real exam
Take the official Texas exam with confidence. Most students finish the course in 2-4 weeks of casual study.
FAQ
How long is the Texas Personal Lines — Property & Casualty licensing exam?+
The Texas Personal Lines — Property & Casualty licensing exam typically runs 100 scored questions. You will have roughly 2-2.5 hours of seat time at the test center, and a passing score is 70%.
Does Texas require state-approved pre-licensing education?+
Texas does not require state-approved pre-licensing education for this line. You can study independently with this course and sit for the exam directly -- no separate PLE certificate is required.
How many practice questions does this course include?+
This course includes 500+ practice questions across section quizzes and a full-length 100-question final exam simulator that mirrors the real Texas Personal Lines — Property & Casualty exam format. You can retake every quiz as many times as you want -- there is no cap.
How long do I have access to the course?+
Lifetime. After purchase you are enrolled immediately and can log in from any device -- laptop, tablet, or phone. Your progress syncs automatically and access never expires.
What if I fail the real Texas exam?+
You can reschedule and retake the real exam through your state's testing vendor (typically Pearson VUE or PSI) -- you will pay the exam fee again. Your course access stays with you the whole time, so you can review the sections you missed and try again. Most students who fail on the first attempt pass on the second after a focused review of the weakest section.
Can I get a refund?+
Yes. Within 7 days of purchase and before you have completed more than 25% of the course or started the final exam, you can request a full refund. Email support@theelitecompany.com with your order number; refunds process to the original payment method within 5-10 business days.
Ready to start studying?
Enroll once, keep access forever, pass your exam with confidence.
$49.99 · 7-day money-back · Lifetime access