TX Property & Casualty
Texas Property & Casualty Insurance Agent License Exam
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Cheat sheet
Keep the key ideas within reach.
ExploreKey terms
Get comfortable with the vocabulary.
ExploreStudy plan
Give each week a clear focus.
ExploreCommon mistakes
Understand the traps and how to avoid them.
ExploreCase studies
Put your knowledge to work in context.
ExploreExam-day guide
Prepare for the day ahead.
ExploreAbout this exam
The Texas Property & Casualty agent license - often called the Texas General Lines Property & Casualty license - is the credential a person needs to sell, solicit, and negotiate property and casualty insurance products in Texas. It is issued and regulated by the Texas Department of Insurance, which also licenses adjusters, handles agent and adjuster applications and renewals, and publishes consumer guidance on home, auto, and health coverage. Candidates typically pursue it to work as agency producers, customer service representatives who transact insurance, captive or independent agents, or as a first step toward broader lines of authority. Licensing is administered at the state level, so the license authorizes activity in Texas rather than in other states, which each have their own requirements. Our practice bank is organized around four content areas: Texas insurance laws, rules, and regulations; general insurance concepts and principles; property insurance coverages and policy provisions; and casualty insurance coverages and policy provisions. Preparation works best as a staged effort: build vocabulary and core principles first, then move into the property and casualty policy forms, and finish by drilling Texas-specific statutes, rules, and licensing requirements, which are easy to neglect because they are administrative rather than technical. Use the TDI website as your authoritative source for licensing procedures, application steps, and any rule changes, and confirm scheduling and exam logistics directly with TDI or its testing vendor before you book a seat.
What you'll study
About TX Property & Casualty preparation
How many questions are on the Texas P&C exam, and how long do I get?
That information is not published on the TDI homepage used to build this page, so we do not state a count or a time limit. Rather than rely on a stale figure, confirm the current question count, time allowance, and format with the Texas Department of Insurance or the testing vendor when you schedule.
What score do I need to pass?
The passing score is not given in the source material we used, so we have not listed one. Passing standards are set by the state and can be revised, so check the TDI agent licensing pages or your candidate handbook for the score that applies on your test date.
How much does the exam cost, and can I retake it if I fail?
Fees and retake rules are not stated on the TDI homepage, so we do not quote them. Both are worth confirming before you register, because a retake may require a new fee, a waiting period, or a resubmitted application depending on current policy.
Is the exam hard?
It rewards breadth. Candidates usually find casualty liability concepts and policy exclusions harder than memorizing definitions. The most common failure mode is under-studying Texas-specific laws and regulations because they feel administrative. Treat each of the four content areas as roughly equal in importance and do not skip the rules section.
What order should I study the four content areas?
Start with general insurance concepts so risk, indemnity, and policy structure make sense. Move next to property coverages, then casualty coverages, since liability concepts build on the same foundation. Finish with Texas laws, rules, and regulations, and revisit them periodically so the details stay fresh close to test day.
How long does a Texas P&C license stay valid?
The validity period is not specified in the source we used, so we have not stated a number of years. License terms and renewal requirements are set by TDI and can change; check your license record and TDI's renewal guidance so you do not let the license lapse.
Does this site administer the exam or issue the license?
No. We are an independent study platform and are not affiliated with the Texas Department of Insurance. This material is practice content for preparation only. All official actions - applying, scheduling, licensing, renewals, and complaints - happen through TDI or its designated testing vendor.
Where do I confirm current licensing steps?
Use the Texas Department of Insurance website at tdi.texas.gov, which provides the agent and adjuster licensing pages, application and renewal paths, commissioner bulletins, and adopted rules. Those pages, not a prep course, are the authoritative source for procedures and for any recent rule changes.
Should I study Texas rules or national material first?
Do both, but keep them separate in your notes. National material teaches concepts and standard policy forms; Texas material covers state statutes, rules, and licensing conduct that national courses often treat briefly. Since roughly a quarter of the exam is Texas-specific, build a dedicated rules outline and review it weekly.