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.
Personal Lines Property & Casualty (InsTX-PersPC55), 100 scored questions, 120 minutes, administered by Pearson VUE
What you'll learn
Every section below is aligned with the Texas content outline.
Section 1I. Types of Property Policies5 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. Types of Casualty Policies2 lessons+
- Personal Auto Policy (PAP)
- Umbrella and Excess Liability
Section 3III. Property and Casualty Insurance Terms and Related Concepts18 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)
- 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 4IV. Property and Casualty Policy Provisions and Contract Law15 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
- 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 5V. Texas Statutes and Rules Common to All Lines of Insurance6 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 6VI. Texas Statutes and Rules Pertinent to Personal Lines Insurance5 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
Enroll
One-time payment of $49.99. Secure checkout powered by Stripe.
Study on your schedule
Read the lesson library, take section quizzes, and work through the practice-question bank as many times as you need.
Pass the real exam
Take the official Texas exam with confidence. Check the Texas Department of Insurance for the exam and application steps.
FAQ
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