NH Property & Casualty

It is a multiple-choice, computer-delivered exam covering the six content domains listed in the state's exam outline. Questions are scored as correct or incorrect with no penalty for guessing. The official testing vendor publishes the current question count, time allowance, and appointment procedures on its site.

Most candidates who fail do so because they underestimated the breadth of coverage, not because any single question was tricky. Private passenger auto, homeowners forms, and commercial general liability each carry many small distinctions. If you can explain why a loss is or is not covered and cite the relevant exclusion, you are generally ready.

Plan on several weeks of steady work rather than a weekend cram. A common approach is one pass through a full P&C text, a second pass of domain-by-domain practice sets, then repeated timed mixed quizzes. Candidates with no insurance background should budget noticeably more time than someone already working in an agency.

Yes, retakes are permitted, though the state sets waiting periods and fees that change from time to time. After a failed attempt, pull your score report by domain and rebuild the weakest two areas before rescheduling. The official licensing body publishes the current retake rules and any waiting requirement.

Start with general insurance concepts and risk principles, since every later topic assumes them. Move next through property fundamentals, then casualty fundamentals, then the policy-types domains. Save New Hampshire laws and regulations for last so licensing rules, producer conduct, and unfair practice provisions are fresh on exam day.

New Hampshire has prelicensing education requirements tied to the license, and the specifics depend on the lines you are applying for. Confirm the current requirement directly with the state insurance department or the official licensing vendor before you register for the exam, since course-hour rules and exemptions do change.

A dedicated portion of the exam covers state statutes and regulations, including licensing, producer responsibilities, and unfair trade practices. Those questions are usually straightforward recall if you have reviewed the material recently, which is why many candidates review state law in the final days rather than at the beginning.

Homeowners coverage confuses candidates because the same peril can be treated differently across HO-2, HO-3, HO-5, and HO-8, and because valuation methods change the payout. Know the difference between actual cash value and replacement cost, how coinsurance and deductibles interact, and which perils are open versus named.

Liability questions reward careful reading. Absolute and contractual liability exclusions, the additional insured endorsement, and the differences among occurrence, claims-made, and umbrella coverage appear repeatedly. Personal auto questions also test who qualifies as an insured and how other insurance clauses stack, so slow down on those.

The New Hampshire Insurance Department and its official exam vendor publish the current fee schedule, passing score, appointment availability, and license application steps. Those figures are updated periodically, so check the official sources directly rather than relying on study guides, forums, or prep-course handouts.