OH P&C
Ohio Property & Casualty Insurance License Exam
Ohio regulates Property & Casualty producer licensing through Ohio Department of Insurance, with the exam delivered by PSI. The combined Property & Casualty exam has 150 questions with a 2.5 hours time limit. Passing requires 70%. The exam fee is $49. Ohio requires 40 hours of approved prelicensing education before you may sit the exam. C3RT includes Property & Casualty practice content built specifically for Ohio, covering national concepts plus Ohio statute, producer duties, and ethics.
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OH P&C Exam Overview
| Detail | Information |
|---|---|
| Full Name | Ohio Property & Casualty Insurance License Exam |
| Governing Body | Ohio Department of Insurance |
| Number of Questions | 150 |
| Time Limit | 2.5 hours |
| Passing Score | 70% |
| Exam Fee | $49 |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Ohio Department of Insurance official website ↗ |
OH P&C Content Areas and Domains
Domain areas are sourced from the Ohio Department of Insurance 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
- ✓ Ohio insurance law and regulations
How C3RT Helps You Pass the OH P&C
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the OH P&C is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real OH 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 OH P&C Practice Questions
Q1.Under Ohio state law, what is the minimum liability coverage requirement for a homeowner who owns a dog classified as 'vicious'?
- $100,000Correct
- $250,000 (as defined in policy language)
- $50,000 (as defined in policy language)
- $1,000,000 (as defined in policy language)
Ohio law specifically mandates a minimum of $100,000 in liability coverage for owners of 'vicious' dogs. The other amounts are common distractor figures that do not meet the specific statutory requirement.
Q2.Under an HO-8 policy in Ohio, if a house is destroyed by fire, what is the maximum amount of insurance the owner can receive for the structure?
- The market value of the home on the day before the loss occurred.Correct
- The actual cash value of the home including depreciation.
- The replacement cost to rebuild the home to its original condition.
- The agreed-upon value stated in the policy's declarations page.
In Ohio, an HO-8 policy specifically limits coverage to the 'market value' (what it would have sold for) rather than the cost to rebuild. Replacement cost and actual cash value are distinct valuation methods used in other policy types.
Q3.A homeowner in Ohio owns a house that burns to the ground. Under an HO-8 policy, what is the maximum amount the insurer will pay for the loss?
- The replacement cost of the structure.
- The actual cash value of the home.
- The market value of the home on the day before the loss.Correct
- The original purchase price of the property.
In Ohio, an HO-8 policy specifically limits coverage to the 'market value' (what it would have sold for) on the day before the loss. Replacement cost and actual cash value are different valuation methods used in other policy types.
OH P&C Frequently Asked Questions
What does OH P&C stand for?
OH P&C stands for Ohio Property & Casualty Insurance License Exam. It is administered by Ohio Department of Insurance.
Who administers the OH P&C?
The Ohio Property & Casualty Insurance License Exam (OH P&C) is administered by Ohio Department of Insurance. For official information, visit the Ohio Department of Insurance website.
How many questions is the OH P&C?
The OH P&C consists of 150 questions. Candidates are given 2.5 hours to complete the exam.
What is the passing score for the OH P&C?
The passing score for the OH P&C is 70%, as set by Ohio Department of Insurance. Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the OH P&C exam cost?
The OH P&C exam fee is $49. This fee is set by Ohio Department of Insurance and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the Ohio Property & Casualty exam?
The Ohio combined Property & Casualty exam has 150 scored questions, a 2.5 hours time limit, a $49 exam fee. Passing requires 70%. It is delivered by PSI.
Does Ohio require prelicensing education for Property & Casualty?
Yes. Ohio requires 40 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 an Ohio-approved provider.
What score do I need to pass the Ohio Property & Casualty exam?
Ohio requires 70% on the Property & Casualty exam. Confirm the current standard with Ohio Department of Insurance, since passing standards can change.
Is the Property & Casualty exam different in Ohio than in other states?
Partly. Core Property & Casualty concepts are broadly similar nationwide, but Ohio tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Ohio Department of Insurance.
C3RT is a native iOS and macOS exam preparation platform covering the Ohio Property & Casualty Insurance License Exam (OH P&C), a Insurance Licensing certification, administered by Ohio Department of Insurance. C3RT is not affiliated with or endorsed by Ohio Department of Insurance. Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Ohio Department of Insurance official website ↗ .