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South Carolina · Property

South Carolina Insurance Producer - Property - Exam Prep

The examination this course is built to

South Carolina Property Insurance Producer (InsSC-Prop04), 75 scored questions, 120 minutes, administered by Pearson VUE

South Carolina also publishes a single COMBINED Property and Casualty paper (InsSC-PCSM04), at 130 scored questions, which covers both lines in one sitting. This course prepares you for the Property paper only. If you have booked the combined exam instead, the Property and Casualty course is the one built to it.

5
Sections
40
Lessons
550+
Practice questions
120 min
Exam time limit

What you'll learn

Every section below is aligned with the South Carolina content outline.

Section 1
I. Property: Types of Policies
6 lessons
+
  • Homeowners Forms — HO-2, HO-3, HO-4, HO-5, HO-6, HO-8
  • Dwelling Forms — DP-1, DP-2, DP-3
  • Commercial Lines — CPP, Commercial Property, BOP, Builders Risk, Cyber First-Party
  • Inland Marine — Personal Articles Floaters and Commercial Property Floaters
  • National Flood Insurance Program (NFIP)
  • Other Coverages — Earthquake, Mobile Homes, Watercraft, Farm Owners, Windstorm
Section 2
II. Property: 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 3
III. Property: 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 4
IV. Property: South Carolina Laws and Regulations Pertinent to All Lines
11 lessons
+
  • South Carolina Department of Insurance — authority, examinations, orders, penalties
  • Producer licensing in South Carolina — types, qualifications, CE, appointment, termination
  • Unfair methods of competition and unfair/deceptive acts and practices
  • Claims handling — prompt pay, fair settlement practices, notice requirements
  • Rating and underwriting practices — prohibited discrimination, credit-based insurance scoring
  • South Carolina insurance definitions - domestic, foreign and alien insurers; admitted and nonadmitted; sell, solicit, negotiate
  • Maintaining a South Carolina licence - fees, temporary and nonresident licences, continuing education, address changes, expiration and reinstatement
  • Appointment and termination of a South Carolina producer's contract
  • South Carolina investigations, notice of hearing, penalties and fines, and cease and desist orders
  • Reporting and disposition of premiums - fiduciary capacity, commissions and compensation, reporting of actions
  • South Carolina insurance fraud and consumer information privacy
Section 5
V. Property: South Carolina Laws and Regulations Pertinent to Property Insurance
5 lessons
+
  • Cancellation and nonrenewal of South Carolina property policies
  • Regulation of rates in South Carolina
  • The South Carolina Property and Casualty Insurance Guaranty Association
  • The South Carolina Valued Policy Law
  • The South Carolina Wind and Hail Underwriting Association

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 South Carolina exam with confidence. Most students finish the course in 2-4 weeks of casual study.

FAQ

How long is the South Carolina Property licensing exam?+
South Carolina administers this as the South Carolina Property Insurance Producer (InsSC-Prop04), through Pearson VUE. It carries 75 scored questions with a 120-minute time limit. South Carolina does not publish a passing score for this examination, so treat the candidate handbook as the authority rather than any figure quoted elsewhere. The exam fee is $59.
Is the South Carolina Property exam separate from the Casualty exam?+
Yes. South Carolina publishes them as separate examinations with their own content outlines and their own item counts, and you register for each one separately. This course prepares for the Property paper only. If you want both lines of authority you sit both papers, and the two-course bundle covers them together. If you would rather sit a single combined Property and Casualty examination, South Carolina publishes one of those as well and there is a separate course for it.
Do I need the Casualty course as well?+
Only if you want that line of authority. An insurance license is issued per line, so passing the South Carolina Property exam licenses you for property business and nothing else. Many producers start with one line and add the other later, which is why the courses are sold separately; the bundle exists for candidates who already know they want both.
Why not just take the combined Property and Casualty course?+
Because you would be studying material your exam does not test. The Property paper has its own published content outline, and this course is built to that outline and weighted to its printed item counts rather than to a combined blueprint. If the combined examination is the one you are registering for, that course is the right one and it is still available.
How much does the South Carolina Property exam cost and who administers it?+
South Carolina contracts the examination to Pearson VUE, and you register and pay through them rather than through this course. The published exam fee is $59 per attempt. You are allotted 120 minutes. Fingerprinting, the licence application fee and any state pre-licensing requirement are separate from the exam fee; the South Carolina Department of Insurance publishes the current schedule.
Does South Carolina require state-approved pre-licensing education?+
South Carolina 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 550+ practice questions across section quizzes and a full-length 75-question final exam simulator that mirrors the real South Carolina Property exam format. You can retake every quiz as many times as you want -- there is no cap.
Are the practice questions similar to the real South Carolina exam?+
The practice questions are written to mirror the real South Carolina Property exam: the same four-option multiple-choice format, difficulty mix, and topic weighting taken from the state's published content outline, plus a full-length timed simulator matching the real question count. No legitimate provider sells the actual exam questions -- those are confidential -- but studying the same topics at the same weights in the same format is exactly what the exam vendors recommend.
Are the practice questions updated regularly?+
Yes. Question banks and lessons are maintained against each state's current law and the state's published exam content outline -- when a state changes a rule (minimum auto limits, notice periods, education requirements), the affected lessons and practice questions are updated at the source, and because the course is delivered online you always study the current version. Practice-test weighting follows the state's published outline rather than an even spread.
Can I study on my phone?+
Yes. The course works on any phone, tablet, or computer with a browser -- no installs or downloads required -- and your progress, quiz scores, and seat time sync automatically across devices. Materials stay online rather than as downloadable files so that every study session reflects the current version of the content; there is nothing stale sitting in a folder after a state changes its rules.
Can I fit this course around a full-time job?+
It is built for that. The course is fully self-paced with no schedules, live sessions, or deadlines: study in short sessions from your phone during a commute or lunch break, and pick up exactly where you left off on any device. The AI tutor points you to the sections your quiz results show you need most, so limited study time goes where it counts.
Does the course include AI tutoring?+
Yes -- every lesson page has a built-in AI tutor, included with the course at no extra cost. It can explain the current lesson in simpler terms, quiz you one question at a time, and tell you what to study next based on your actual quiz results. If you already use Claude or ChatGPT, you can also connect your own AI assistant to your course from your account page, so it can coach you using your real progress and practice questions.
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 South Carolina 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 retake the South Carolina licensing exam if I fail?+
Every state lets you retake the licensing exam if you fail -- you re-register with the testing vendor (typically Pearson VUE or PSI) and pay the exam fee again. Most states allow unlimited attempts, though some impose a short waiting period between tries or after several failed attempts; the South Carolina candidate handbook lists the exact rule. Inside the course, practice quizzes and the exam simulator are always unlimited.
Can I add another license line later?+
Yes. Insurance licenses are issued per line of authority, so you add a line -- for example adding Life to a Property and Casualty license -- by passing that line's exam through your state; your existing license is unaffected. Courses here are sold per line to match, so you can prepare for each new line the same way you prepared for the first.
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