Texas Property and Casualty Insurance License
Texas Property & Casualty Insurance Practice Test
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Questions updated at Jul 18, 2026, 1:30 PM CDT
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Today's 10 Texas Property & Casualty Insurance questions
Use this Texas Property & Casualty Insurance practice test to review Texas Property and Casualty Insurance License. Questions rotate daily and each answer links back to the source used to write it.
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Question 1 of 10
Objective 4.2
Property and Casualty General Knowledge
A business frequently rents vehicles for employee use. Which type of coverage is MOST appropriate to address the liability risk associated with these rentals?
Hired autos coverage provides liability protection for vehicles that the insured business leases, hires, rents, or borrows for commercial operations.
Concept tested:
Question 2 of 10
Objective 8.1
Texas Property and Casualty State Specific Rules
An insurance company has exhausted all options for coverage for a client. Which insurance arrangement, as defined by Texas law, provides access to specialized markets when standard insurers reject the risk?
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Question 3 of 10
Objective 6.1
Property and Casualty General Knowledge
An insurer denies a claim based on a policy exclusion. What action is MOST likely considered an unfair claim settlement practice under Texas Insurance Code Chapter 542?
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Question 4 of 10
Objective 7.1
Texas Property and Casualty State Specific Rules
An insurer delays investigating a claim and subsequently denies coverage. Which action is MOST likely to be taken by the Texas Department of Insurance Commissioner to ensure compliance with state regulations?
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Question 5 of 10
Objective 2.1
Property and Casualty General Knowledge
A policyholder becomes less careful after purchasing property insurance because they expect the insurer to cover losses. This situation illustrates the moral hazard concern. Which description best represents this issue?
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Question 6 of 10
Objective 5.1
Property and Casualty General Knowledge
A policy includes a clause requiring the insured to maintain coverage equal to a specific percentage of the property’s value to receive full claim payment. What is this clause called?
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Question 7 of 10
Objective 8.2
Texas Property and Casualty State Specific Rules
A policyholder sustains injuries in a car accident. According to Texas regulations, what action should the insurance agent take to fulfill their ethical obligations?
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Question 8 of 10
Objective 3.1
Property and Casualty General Knowledge
An insurance policy outlines the promises made by the insurer. What is this section of the policy commonly called?
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Question 9 of 10
Objective 7.4
Texas Property and Casualty State Specific Rules
A producer advertises their insurer offers ‘the lowest rates guaranteed’ without stating any limitations. According to Texas law, what is the most accurate description of this action?
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Question 10 of 10
Objective 7.3
Texas Property and Casualty State Specific Rules
An insurance agent updates their mailing address on their license record. According to Texas Insurance Code Section 4001.252, what is required?
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Question 1 A business frequently rents vehicles for employee use. Which type of coverage is MOST appropriate to address the liability risk associated with these rentals?
Answer choices
- A. Hired autos coverage
- B. Owned autos coverage
- C. Non-owned autos coverage
- D. Personal auto coverage
Correct answer
Hired autos coverage
Hired autos coverage provides liability protection for vehicles that the insured business leases, hires, rents, or borrows for commercial operations.
Wrong-answer review
- B. Owned autos coverage: Owned autos coverage applies only to vehicles that are registered and owned by the business, not vehicles rented temporarily.
- C. Non-owned autos coverage: Non-owned autos coverage applies to employee-owned vehicles used on behalf of the business, not vehicles rented directly by the business.
- D. Personal auto coverage: Personal auto coverage protects individuals under personal policies and does not cover corporate liability for business rentals.
Extra learning features
Why candidates miss this
Selecting 'Personal auto coverage' reveals a misunderstanding of the distinction between personal and commercial auto insurance. Individuals using their own vehicles for business purposes might assume their personal policy extends to rentals, but commercial liability requires specialized coverage like hired autos coverage, which specifically addresses the risk of vehicles rented for business operations. Likely wrong answer: Personal auto coverage Review focus: Commercial Auto Insurance Basics
Question 2 An insurance company has exhausted all options for coverage for a client. Which insurance arrangement, as defined by Texas law, provides access to specialized markets when standard insurers reject the risk?
Answer choices
- A. Admitted insurer coverage
- B. Surplus lines insurance
- C. Texas FAIR Plan coverage
- D. Texas Windstorm Insurance Association coverage
Correct answer
Surplus lines insurance
Question 3 An insurer denies a claim based on a policy exclusion. What action is MOST likely considered an unfair claim settlement practice under Texas Insurance Code Chapter 542?
Answer choices
- A. Denying the claim based solely on the policy exclusion language
- B. Denying the claim without conducting a reasonable investigation into the circumstances surrounding the loss
- C. Providing the claimant with a written explanation of the policy exclusion
- D. Offering to settle the claim for an amount less than the full policy limit
Correct answer
Denying the claim without conducting a reasonable investigation into the circumstances surrounding the loss
Question 4 An insurer delays investigating a claim and subsequently denies coverage. Which action is MOST likely to be taken by the Texas Department of Insurance Commissioner to ensure compliance with state regulations?
Answer choices
- A. Approve a rate increase
- B. Mandate a policyholder education program
- C. Order the insurer to pay a fine to the state’s general revenue fund
- D. Issue a cease and desist order
Correct answer
Issue a cease and desist order
Question 5 A policyholder becomes less careful after purchasing property insurance because they expect the insurer to cover losses. This situation illustrates the moral hazard concern. Which description best represents this issue?
Answer choices
- A. A physical condition that increases the likelihood of a loss
- B. The legal obligation to restore an insured to their pre-loss financial condition
- C. The process of calculating the appropriate premium for a policy
- D. A policyholder’s increased willingness to take risks due to insurance coverage
Correct answer
A policyholder’s increased willingness to take risks due to insurance coverage
Question 6 A policy includes a clause requiring the insured to maintain coverage equal to a specific percentage of the property’s value to receive full claim payment. What is this clause called?
Answer choices
- A. Actual Cash Value
- B. Coinsurance
- C. Blanket Insurance
- D. Deductible
Correct answer
Coinsurance
Question 7 A policyholder sustains injuries in a car accident. According to Texas regulations, what action should the insurance agent take to fulfill their ethical obligations?
Answer choices
- A. Personal injury protection
- B. Collision coverage
- C. Uninsured/underinsured motorist property damage
- D. Medical payments coverage
Correct answer
Personal injury protection
Question 8 An insurance policy outlines the promises made by the insurer. What is this section of the policy commonly called?
Answer choices
- A. Insuring agreement
- B. Declarations
- C. Exclusions
- D. Conditions
Correct answer
Insuring agreement
Question 9 A producer advertises their insurer offers ‘the lowest rates guaranteed’ without stating any limitations. According to Texas law, what is the most accurate description of this action?
Answer choices
- A. Defamation of a competing insurer
- B. False advertising
- C. Unfair discrimination in insurance rates
- D. A reasonable attempt to promote insurance products
Correct answer
False advertising
Question 10 An insurance agent updates their mailing address on their license record. According to Texas Insurance Code Section 4001.252, what is required?
Answer choices
- A. Notify the department within 30 days
- B. Notify the department monthly
- C. Notify the department annually
- D. Wait until the next license renewal
Correct answer
Notify the department monthly
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