UT P&C
Utah Property & Casualty Insurance License Exam
Utah regulates Property & Casualty producer licensing through Utah Insurance Department, with the exam delivered by Prometric. The combined Property & Casualty exam has 150 questions with a 2.5 hours time limit. Passing requires 70. The exam fee is $44. Utah does not require prelicensing education hours for this line. C3RT includes Property & Casualty practice content built specifically for Utah, covering national concepts plus Utah statute, producer duties, and ethics.
Property & Casualty Exam Prep is in development. Notify us of your interest at [email protected].
UT P&C Exam Overview
| Detail | Information |
|---|---|
| Full Name | Utah Property & Casualty Insurance License Exam |
| Governing Body | Utah Insurance Department |
| Number of Questions | 150 |
| Time Limit | 2.5 hours |
| Passing Score | 70 |
| Exam Fee | $44 |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Utah Insurance Department official website ↗ |
UT P&C Content Areas and Domains
Domain areas are sourced from the Utah Insurance Department 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
- ✓ Utah insurance law and regulations
How C3RT Helps You Pass the UT P&C
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the UT P&C is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real UT 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 UT P&C Practice Questions
Q1.In Utah, when a homeowner is unable to find a standard policy for a unique property risk, which type of policy is recommended because it covers multiple perils?
- A single-peril policy
- A Difference in Condition policyCorrect
- A commercial-only liability policy
- An exclusive steam boiler policy
Difference in Condition policies are specifically recommended in Utah for unique risks because they cover multiple perils. Single-peril policies only cover one specific event, and the other options are either restricted by property type or irrelevant to this scenario.
Q2.A homeowner in Utah asks their agent if their homeowners insurance policy will pay out the full market value of the land if the property is destroyed. How should the agent respond?
- Yes, because Replacement Cost Value (RCV) is synonymous with the current real estate market value.
- Yes, provided the policy limit is set to at least 150% of the appraised land value.
- No, because Actual Cash Value (ACV) only accounts for the depreciated value of the improvements.
- No, because RCV covers the cost to rebuild the structure, not the fluctuating market value of the land.Correct
Replacement Cost Value (RCV) refers to the cost to rebuild a structure with like kind and quality; it does not include the market value of the land. Actual Cash Value (ACV) is incorrect because it involves depreciation, and 'market value' is an investment metric, not an insurance indemnity metric.
Q3.Under a standard Utah homeowners policy, which of the following best describes what is covered under Section B - Personal Property?
- Only large household furniture and appliances are included.
- Personal belongings are excluded from standard policies.
- Personal belongings and household contents are covered.Correct
- Only items permanently attached to the structure are covered.
Section B of a homeowners policy covers personal property (contents), which includes electronics, clothing, and furniture. The other options incorrectly suggest exclusions or limitations that do not exist in standard coverage.
UT P&C Frequently Asked Questions
What does UT P&C stand for?
UT P&C stands for Utah Property & Casualty Insurance License Exam. It is administered by Utah Insurance Department.
Who administers the UT P&C?
The Utah Property & Casualty Insurance License Exam (UT P&C) is administered by Utah Insurance Department. For official information, visit the Utah Insurance Department website.
How many questions is the UT P&C?
The UT P&C consists of 150 questions. Candidates are given 2.5 hours to complete the exam.
What is the passing score for the UT P&C?
The passing score for the UT P&C is 70, as set by Utah Insurance Department. Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the UT P&C exam cost?
The UT P&C exam fee is $44. This fee is set by Utah Insurance Department and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the Utah Property & Casualty exam?
The Utah combined Property & Casualty exam has 150 scored questions, a 2.5 hours time limit, a $44 exam fee. Passing requires 70. It is delivered by Prometric.
Does Utah require prelicensing education for Property & Casualty?
No. Utah does not require prelicensing education hours for a Property & Casualty producer license as of August 2026.
What score do I need to pass the Utah Property & Casualty exam?
Utah requires 70 on the Property & Casualty exam. Confirm the current standard with Utah Insurance Department, since passing standards can change.
Is the Property & Casualty exam different in Utah than in other states?
Partly. Core Property & Casualty concepts are broadly similar nationwide, but Utah tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Utah Insurance Department.
C3RT is a native iOS and macOS exam preparation platform covering the Utah Property & Casualty Insurance License Exam (UT P&C), a Insurance Licensing certification, administered by Utah Insurance Department. C3RT is not affiliated with or endorsed by Utah Insurance Department. Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Utah Insurance Department official website ↗ .