RI P&C
Rhode Island Property & Casualty Insurance License Exam
Rhode Island regulates Property & Casualty producer licensing through Rhode Island Department of Business Regulation, Insurance Division, with the exam delivered by Pearson VUE. Rhode Island does not offer a single combined Property & Casualty exam; it splits into two separate exams that first-time P&C candidates must both pass: (1) Property Producer = General portion 50 scored + 5 pretest questions in 1hr15min, plus RI State portion 26 scored + 6 pretest questions in 45min (87 total questions incl. C3RT includes Property & Casualty practice content built specifically for Rhode Island, covering national concepts plus Rhode Island statute, producer duties, and ethics.
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RI P&C Exam Overview
| Detail | Information |
|---|---|
| Full Name | Rhode Island Property & Casualty Insurance License Exam |
| Governing Body | Rhode Island Department of Business Regulation, Insurance Division |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Rhode Island Department of Business Regulation, Insurance Division official website ↗ |
RI P&C Content Areas and Domains
Domain areas are sourced from the Rhode Island Department of Business Regulation, Insurance Division 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
- ✓ Rhode Island insurance law and regulations
How C3RT Helps You Pass the RI P&C
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the RI P&C is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real RI 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 RI P&C Practice Questions
Q1.Under an Actual Cash Value (ACV) policy in Rhode Island, if a home is completely destroyed by fire, how is the payout determined?
- The insurer pays the replacement cost regardless of destruction.
- The insurer pays the original purchase price of the home.
- The insurer pays only the depreciated value.
- The insurer pays the fair market value of the home at the time of loss.Correct
Under an ACV policy, the payout is based on the fair market value (actual cash value) at the time of loss. Replacement cost policies would pay to rebuild, while 'depreciated value' is a component of ACV but does not describe the total settlement rule for a complete destruction in this context.
Q2.A homeowner in Rhode Island has a policy that pays Actual Cash Value (ACV). If the home is completely destroyed by a fire, how will the insurance company determine the payout amount?
- The insurer pays the fair market value of the home at the time of the loss.Correct
- The insurer pays the replacement cost to rebuild the home to its original specifications.
- The insurer pays only the depreciated value of the structure minus all personal property.
- The insurer pays a fixed amount based on the original purchase price of the home.
Under an ACV policy in Rhode Island, a total loss results in a payout of the fair market value at the time of loss. Replacement cost policies would pay to rebuild, while 'depreciated value' is a component of ACV but does not define the specific RI outcome for a complete destruction.
Q3.A homeowner in Rhode Island suffers a total loss of their residence due to a fire. Under an Actual Cash Value (ACV) policy, how is the claim settlement determined?
- The insurer pays the replacement cost of the home minus any applicable deductibles.
- The insurer pays the fair market value of the home at the time of the loss.Correct
- The insurer pays only the depreciated value of the structure, excluding land value.
- The claim is denied because ACV policies do not cover total destruction of a primary residence.
In Rhode Island, an ACV policy for a total loss pays the fair market value at the time of loss. Replacement cost would pay to rebuild new, and 'depreciated value' is often used as a distractor even though it is functionally similar to ACV in some contexts.
RI P&C Frequently Asked Questions
What does RI P&C stand for?
RI P&C stands for Rhode Island Property & Casualty Insurance License Exam. It is administered by Rhode Island Department of Business Regulation, Insurance Division.
Who administers the RI P&C?
The Rhode Island Property & Casualty Insurance License Exam (RI P&C) is administered by Rhode Island Department of Business Regulation, Insurance Division. For official information, visit the Rhode Island Department of Business Regulation, Insurance Division website.
Does Rhode Island have a combined Property & Casualty exam?
Rhode Island does not offer a single combined Property & Casualty exam; it splits into two separate exams that first-time P&C candidates must both pass: (1) Property Producer = General portion 50 scored + 5 pretest questions in 1hr15min, plus RI State portion 26 scored + 6 pretest questions in 45min (87 total questions incl. Check Rhode Island Department of Business Regulation, Insurance Division for the current exam-registration process.
Does Rhode Island require prelicensing education for Property & Casualty?
We could not confirm the current Rhode Island prelicensing hour requirement for Property & Casualty from an official source. Check with Rhode Island Department of Business Regulation, Insurance Division directly, since requirements change and several states have removed this requirement entirely.
What score do I need to pass the Rhode Island Property & Casualty exam?
Rhode Island requires 70 (scaled score, 0-100 scale; not a raw percentage) on the Property & Casualty exam. Confirm the current standard with Rhode Island Department of Business Regulation, Insurance Division, since passing standards can change.
Is the Property & Casualty exam different in Rhode Island than in other states?
Partly. Core Property & Casualty concepts are broadly similar nationwide, but Rhode Island tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Rhode Island Department of Business Regulation, Insurance Division.
C3RT is a native iOS and macOS exam preparation platform covering the Rhode Island Property & Casualty Insurance License Exam (RI P&C), a Insurance Licensing certification, administered by Rhode Island Department of Business Regulation, Insurance Division. C3RT is not affiliated with or endorsed by Rhode Island Department of Business Regulation, Insurance Division. Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Rhode Island Department of Business Regulation, Insurance Division official website ↗ .