Texas Property and Casualty Insurance Exam Practice
For a Texas General Lines Property and Casualty license, Pearson VUE gives one exam that pairs general property and casualty knowledge with a Texas state specific portion. That portion has its own content outline, effective September 1, 2026, and its rules come mostly from the Texas Insurance Code and 28 TAC.
Here you can check the sourced exam facts, see the Texas topics on the test, from Texas Lloyds to the windstorm association and PIP, and answer three Texas questions. Practice on tests.global follows the same pattern: 100 general questions plus 30 Texas questions, 150 minutes in total.
- 579 Texas portion questions
- 10 Texas lessons
- 4,989 general P&C questions
Texas property and casualty exam facts
Sourced from Pearson VUE, the Texas exam provider; the check date sits under each row.
| Exam provider | Pearson VUE develops and administers the Texas insurance licensing exams for the State of Texas; licenses are issued by the Texas Department of Insurance (TDI).Source: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
|---|---|
| Exam | General Lines - Property & Casualty (InsTC-PC06 in English, InsTC-PC26 in Spanish)Source: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
| General knowledge portion | 100 scored questions plus 10 unscored pretest questionsSource: Pearson VUE, Texas Insurance Supplement Examination Content Outlines #124401, effective September 1, 2026, accessed Oct 30, 2026 |
| Texas state specific portion | 30 scored questions plus 5 unscored pretest questionsSource: Pearson VUE, Texas Insurance Supplement Examination Content Outlines #124401, effective September 1, 2026, accessed Oct 30, 2026 |
| Time | 150 minutes for the whole exam (general and Texas portions together)Source: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
| Exam fee | $49, paid to Pearson VUESource: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
| Passing score | Scaled score of 70 (scale 0 to 100); the scaled score is not the number or percentage of correct answersSource: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
| Language | English or Spanish; a candidate taking the Spanish version can switch between Spanish and English at any time during the examSource: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
| Retakes | A candidate who fails can schedule a new exam within one day; there is no limit on the number of attemptsSource: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
| Prelicense education | The handbook's general license requirements list age 18, passing the exam, applying within 12 months, the fee and a fingerprint receipt; no prelicensing course is listedSource: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
| License application | $50 application fee per license type; apply within 12 months of passing or retake the examSource: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
| Continuing education | 24 hours every two years for most licenses, including 3 hours of ethicsSource: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
Texas rules on the P&C exam
The outline splits the 30 scored Texas questions between two groups of rules. Each group lists its scored questions, the tests.global practice questions for it and the subtopics with outline references.
Texas statutes and rules common to property and casualty insurance
18 scored questions of 30344 practice questions
- Commissioner of Insurance: powers and examinationsOutline I.A.1-2
- Investigations, hearings, penalties and cease and desist ordersOutline I.A.3-5
- Insurance definitions, insurer types and Texas LloydsOutline I.B
- Agent licensing: types, nonresident, temporary and limited licensesOutline I.C.1.a-d
- MGAs, surplus lines, adjusters, risk managers and emergency licensesOutline I.C.1.e-i
- Exam exemptions, appointments, continuing education and license actionsOutline I.C.2-8
- Unfair claim settlement practicesOutline I.D.1.a
- Misrepresentation, advertising, controlled business and rebatingOutline I.D.1.b-f
- Discrimination, fraud, coercion and rating practicesOutline I.D.1.g-i, I.D.2
- Commission sharingOutline I.E.1
Texas statutes and rules pertinent to property and casualty insurance
12 scored questions of 30235 practice questions
- Surplus lines, policy forms and rate and form approvalOutline II.A-C
- Homeowners insurance: declination, cancellation and nonrenewalOutline II.D.1
- Texas FAIR Plan Association and Texas Windstorm Insurance AssociationOutline II.D.2-3
- Loss settlement, prompt payment of claims and liquidated demandsOutline II.D.4-5
- Personal auto coverage, UM/UIM and PIPOutline II.E.1
- Financial responsibility, auto cancellation, TAIPA and rideshareOutline II.E.2-5
- Workers' compensationOutline II.F
- Property and Casualty Guaranty Association and the medical liability JUAOutline II.G-H
Unless the outline says otherwise, its references are to the Texas Insurance Code or 28 TAC. Source: Pearson VUE #124401 (9/2026), Texas Insurance Content Outlines, Property and Casualty Agent State Specific Content Outline, Effective September 1, 2026, accessed Oct 30, 2026.
How the Texas format works here
One account opens the 4,989 general property and casualty questions and the 579 Texas questions. Start from the Texas button and practice runs in Texas mode:
- Texas groups in the topic picker.The two Texas groups join the general topics; together they run from licensing and claim rules to auto, windstorm and workers' compensation.
- A timed Texas set.30 Texas questions, as many as the Texas portion scores.
- A full exam in one sitting.100 general P&C questions plus 30 Texas questions, 150 minutes in total, with each part timed on its own.
- Mixed tests.The general P&C bank and the Texas questions in one shuffled set.
Try three Texas P&C questions
Pick an answer to check it, then read the explanation. Each Texas explanation names the statute or rule section it relies on.
Question 1 of 3Texas P&C coverage
An officer of the Texas Windstorm Insurance Association is sued over actions taken in that role. The final judgment determines that the officer is liable because of misconduct in performing association duties. Under the Texas Insurance Code, what is the association's indemnification obligation?
- A. The association must indemnify only the officer's defense costs.
- B. The association must indemnify the officer for all costs and expenses.
- C. The association has no obligation to indemnify the officer for the judgment.
- D. The association must indemnify the officer if the board approves the payment.
Show answer to question 1
Answer: C. The association has no obligation to indemnify the officer for the judgment.
Under Tex. Ins. Code §2210.060(b), the indemnification requirement does not apply to a matter in which the person is determined to be liable because of misconduct in the performance of duties as a director, officer, or employee. The general duty to indemnify does not require payment for a judgment based on such misconduct.
Question 2 of 3Texas P&C coverage
Under the Texas Insurance Code, which statement correctly describes how the personal injury protection subchapter affects other coverages?
- A. It bars medical payments coverage when personal injury protection is sold
- B. It limits every benefit to the minimums stated in the subchapter
- C. It requires disability benefits to be removed from every auto policy
- D. It leaves the offering of medical payments coverage unaffected
Show answer to question 2
Answer: D. It leaves the offering of medical payments coverage unaffected
Under Tex. Ins. Code §1952.161, the subchapter does not affect the offering of medical payments coverage, disability benefits, or accidental death benefits as prescribed by the commissioner, and it does not prevent an insurer from providing benefits broader than the minimums. Barring medical payments coverage when personal injury protection is sold is wrong because that coverage is expressly left unaffected.
Question 3 of 3Texas P&C rules
Ana is preparing a financial statement for a Texas Lloyd's plan and must report the plan's capital structure. She has the figures for the guaranty fund and unencumbered surplus. Under the Texas Insurance Code, how should she calculate the plan's capital structure?
- A. Use only the guaranty fund, because surplus is not capital.
- B. Subtract outstanding liabilities from the guaranty fund.
- C. Add the guaranty fund to the unencumbered surplus.
- D. Use only the unencumbered surplus, because the guaranty fund is a liability.
Show answer to question 3
Answer: C. Add the guaranty fund to the unencumbered surplus.
Under Tex. Ins. Code §941.003(d)(2), the aggregate of the guaranty fund and unencumbered surplus of the Lloyd's plan constitutes its capital structure. The option using only the guaranty fund is wrong because the statute combines both amounts, not the guaranty fund alone.
Texas lessons for property and casualty agents
10 lessons on Texas P&C rules, each linked to one group of the outline.
- Commissioner of Insurance powers, investigations and penalties for Texas P&C agentsTexas P&C rules
- Texas insurers, Texas Lloyds and property and casualty license typesTexas P&C rules
- MGAs, surplus lines, adjusters and keeping a Texas licenseTexas P&C rules
- Unfair claim settlement, misrepresentation and rebating rules for P&C agentsTexas P&C rules
- Discrimination, fraud, rating practices and commission sharingTexas P&C rules
- Surplus lines, rate and form approval and homeowners cancellation rulesTexas P&C coverage
- The Texas FAIR Plan Association and the Texas Windstorm Insurance AssociationTexas P&C coverage
- Loss settlement and prompt payment of claims in TexasTexas P&C coverage
- Texas auto insurance: PIP, UM/UIM, financial responsibility and TAIPATexas P&C coverage
- Texas workers' compensation and the guaranty associationsTexas P&C coverage
One plan for the whole P&C exam.
4,989 general questions, 579 Texas questions and 10 Texas lessons, with explanations, timed tests and an AI tutor. Your account opens right after payment.
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Included: an explanation for every question, the Study Guide with 100 audio lessons, an AI tutor to ask why on any question, timed section tests and progress by topic.
These are original practice questions written from the Pearson VUE Texas content outline and the laws and rules it lists. They are not actual exam questions. tests.global is not affiliated with or endorsed by the Texas Department of Insurance (TDI) or Pearson VUE. Fees, rules and dates can change; confirm them with TDI and Pearson VUE before you book.
Updated October 30, 2026.