VA P&C
Virginia Property & Casualty Insurance License Exam
Virginia regulates Property & Casualty producer licensing through Virginia State Corporation Commission Bureau of Insurance, with the exam delivered by Pearson VUE. The combined Property & Casualty exam has a 150 minutes time limit. The exam fee is $51. Virginia does not require prelicensing education hours for this line. C3RT includes Property & Casualty practice content built specifically for Virginia, covering national concepts plus Virginia statute, producer duties, and ethics.
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VA P&C Exam Overview
| Detail | Information |
|---|---|
| Full Name | Virginia Property & Casualty Insurance License Exam |
| Governing Body | Virginia State Corporation Commission Bureau of Insurance |
| Time Limit | 150 minutes |
| Exam Fee | $51 |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Virginia State Corporation Commission Bureau of Insurance official website ↗ |
VA P&C Content Areas and Domains
Domain areas are sourced from the Virginia State Corporation Commission Bureau 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
- ✓ Virginia insurance law and regulations
How C3RT Helps You Pass the VA P&C
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the VA P&C is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real VA 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 VA P&C Practice Questions
Q1.Under Virginia law, what must an insurer provide when writing a replacement cost policy for an owner-occupied dwelling?
- Disclosure only required for ACV policies.
- A statement summarizing any minimum coverage requirements for that provision to be fully effective.Correct
- No statement required if the policy is a renewal.
- A certificate of proof of loss for every structural component.
Virginia Code § 38.2-2118 requires a summary statement to ensure homeowners understand the minimum limits needed to avoid coinsurance penalties. The other options are incorrect because the requirement applies regardless of renewal status and specifically targets replacement cost provisions.
Q2.Under Virginia Code § 38.2-2114, what is a valid ground for an insurer to cancel an owner-occupied dwelling policy?
- The homeowner failed to provide a certified appraisal of the property.
- Cancellation is only allowed after 60 days of non-payment.
- Insurers are prohibited from canceling policies for non-payment of premium.
- The homeowner failed to pay the premium when due.Correct
Virginia law specifically allows insurers to cancel owner-occupied dwelling policies for failure to pay premiums when due. The other options are incorrect because they either suggest a specific grace period not required by this statute or claim a prohibition that does not exist.
Q3.A homeowner in Virginia fails to make a scheduled premium payment on their owner-occupied dwelling policy. Under Virginia Code § 38.2-2114, what action is the insurer permitted to take?
- The insurer is prohibited from canceling the policy for non-payment of premium.
- The insurer may cancel the policy for failure to pay the premium when due.Correct
- Cancellation is only allowed after a mandatory 60-day grace period of non-payment.
- The insurer must provide a written warning and wait 90 days before initiating cancellation.
Virginia Code § 38.2-2114 explicitly allows insurers to cancel owner-occupied dwelling policies for non-payment of premium when due. The other options incorrectly suggest mandatory grace periods or a prohibition that does not exist in the statute.
VA P&C Frequently Asked Questions
What does VA P&C stand for?
VA P&C stands for Virginia Property & Casualty Insurance License Exam. It is administered by Virginia State Corporation Commission Bureau of Insurance.
Who administers the VA P&C?
The Virginia Property & Casualty Insurance License Exam (VA P&C) is administered by Virginia State Corporation Commission Bureau of Insurance. For official information, visit the Virginia State Corporation Commission Bureau of Insurance website.
How much does the VA P&C exam cost?
The VA P&C exam fee is $51. This fee is set by Virginia State Corporation Commission Bureau 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 Virginia Property & Casualty exam?
The Virginia combined Property & Casualty exam has a 150 minutes time limit, a $51 exam fee. It is delivered by Pearson VUE.
Does Virginia require prelicensing education for Property & Casualty?
No. Virginia does not require prelicensing education hours for a Property & Casualty producer license as of August 2026.
What score do I need to pass the Virginia Property & Casualty exam?
We could not confirm the current passing standard for the Virginia Property & Casualty exam from an official source. Most states use a 70 percent standard, though some use a scaled score or a different percentage; confirm with Virginia State Corporation Commission Bureau of Insurance.
Is the Property & Casualty exam different in Virginia than in other states?
Partly. Core Property & Casualty concepts are broadly similar nationwide, but Virginia tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Virginia State Corporation Commission Bureau of Insurance.
C3RT is a native iOS and macOS exam preparation platform covering the Virginia Property & Casualty Insurance License Exam (VA P&C), a Insurance Licensing certification, administered by Virginia State Corporation Commission Bureau of Insurance. C3RT is not affiliated with or endorsed by Virginia State Corporation Commission Bureau of Insurance. Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Virginia State Corporation Commission Bureau of Insurance official website ↗ .