CA P&C
California Property & Casualty Insurance License Exam
California regulates Property & Casualty producer licensing through California Department of Insurance (CDI), with the exam delivered by PSI Services LLC. The combined Property & Casualty exam has 150 questions with a 195 minutes (combined); 98 minutes each for standalone Property-only or Casualty-only time limit. Passing requires 60%. The exam fee is $55 (inferred for combined exam; Property-only and Casualty-only each explicitly $55 on CDI fee schedule). California requires 12 hours of approved prelicensing education before you may sit the exam. C3RT includes Property & Casualty practice content built specifically for California, covering national concepts plus California statute, producer duties, and ethics.
Property & Casualty Exam Prep is in development. Notify us of your interest at [email protected].
CA P&C Exam Overview
| Detail | Information |
|---|---|
| Full Name | California Property & Casualty Insurance License Exam |
| Governing Body | California Department of Insurance (CDI) |
| Number of Questions | 150 |
| Time Limit | 195 minutes (combined); 98 minutes each for standalone Property-only or Casualty-only |
| Passing Score | 60% |
| Exam Fee | $55 (inferred for combined exam; Property-only and Casualty-only each explicitly $55 on CDI fee schedule) |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | California Department of Insurance (CDI) official website ↗ |
CA P&C Content Areas and Domains
Domain areas are sourced from the California Department of Insurance (CDI) content outline.
Topics Covered
- ✓ Property insurance basics
- ✓ Homeowners and dwelling policies
- ✓ Personal and commercial auto
- ✓ Commercial package and general liability
- ✓ Workers compensation
- ✓ Inland and ocean marine
- ✓ Flood and specialty lines
- ✓ California insurance law and regulations
How C3RT Helps You Pass the CA P&C
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the CA P&C is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real CA P&C format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample CA P&C Practice Questions
Q1.In the state of California, what is the minimum notice period required for an insurer to mail or deliver a notice of cancellation or nonrenewal to a policyholder?
- 10 days notice is sufficient
- 30 days notice is required for all actions
- Notice only required for nonrenewal
- At least 20 days prior to the effective dateCorrect
California law specifically requires at least 20 days' notice including the reason for the action. The 10-day option is insufficient, and notice is required for both cancellation and nonrenewal.
Q2.An insurer in California intends to cancel a property policy due to nonpayment of premium. Which of the following statements accurately describes the legal requirements for this notice?
- The insurer may provide a 10-day notice if the nonpayment is more than 30 days overdue.
- The insurer may omit the specific reason for cancellation as long as the notice is delivered 20 days in advance.
- Notice is only required for nonrenewals; cancellations for nonpayment can be executed immediately upon receipt of a final demand letter.
- A notice must be mailed or delivered at least 20 days prior to the effective date of cancellation and must state the reason for the action.Correct
California law requires both a 20-day notice period and the inclusion of the specific reason for the action. Distractors are incorrect because they either shorten the required timeframe, omit the reason requirement, or incorrectly suggest that cancellations do not require formal notice.
Q3.Under California property law, which of the following entities is included in the definition of a 'loss payee'?
- Only the legal owner of the insured real property
- Mortgagees are specifically excluded from loss payee status
- Any mortgagee of the insured real propertyCorrect
- Only the primary beneficiary named in a life insurance policy
In California, a loss payee includes any mortgagee of the insured real property. The other options incorrectly exclude mortgagees or limit the definition to only the owner.
CA P&C Frequently Asked Questions
What does CA P&C stand for?
CA P&C stands for California Property & Casualty Insurance License Exam. It is administered by California Department of Insurance (CDI).
Who administers the CA P&C?
The California Property & Casualty Insurance License Exam (CA P&C) is administered by California Department of Insurance (CDI). For official information, visit the California Department of Insurance (CDI) website.
How many questions is the CA P&C?
The CA P&C consists of 150 questions. Candidates are given 195 minutes (combined); 98 minutes each for standalone Property-only or Casualty-only to complete the exam.
What is the passing score for the CA P&C?
The passing score for the CA P&C is 60%, as set by California Department of Insurance (CDI). Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the CA P&C exam cost?
The CA P&C exam fee is $55 (inferred for combined exam; Property-only and Casualty-only each explicitly $55 on CDI fee schedule). This fee is set by California Department of Insurance (CDI) and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the California Property & Casualty exam?
The California combined Property & Casualty exam has 150 scored questions, a 195 minutes (combined); 98 minutes each for standalone Property-only or Casualty-only time limit, a $55 (inferred for combined exam; Property-only and Casualty-only each explicitly $55 on CDI fee schedule) exam fee. Passing requires 60%. It is delivered by PSI Services LLC.
Does California require prelicensing education for Property & Casualty?
Yes. California requires 12 hours of approved prelicensing education before you may sit the Property & Casualty exam. C3RT is exam preparation only and does not satisfy this requirement; you must complete it through a California-approved provider.
What score do I need to pass the California Property & Casualty exam?
California requires 60% on the Property & Casualty exam. Confirm the current standard with California Department of Insurance (CDI), since passing standards can change.
Is the Property & Casualty exam different in California than in other states?
Partly. Core Property & Casualty concepts are broadly similar nationwide, but California tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by California Department of Insurance (CDI).
C3RT is a native iOS and macOS exam preparation platform covering the California Property & Casualty Insurance License Exam (CA P&C), a Insurance Licensing certification, administered by California Department of Insurance (CDI). C3RT is not affiliated with or endorsed by California Department of Insurance (CDI). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the California Department of Insurance (CDI) official website ↗ .