TX Property & Casualty study plan

Map the Texas Department of Insurance organizational structure and identify what the commissioner and each division can and cannot do

Distinguish among the Texas license types (general lines P&C, limited lines, surplus lines, adjuster) and state the pre-licensing, appointment, and continuing-education requirements for each

List and define the unfair trade practices and prohibited acts addressed in the Texas Insurance Code, including misrepresentation, rebating, twisting, and unfair claim settlement practices

Restate Texas-specific policy handling rules for delivery, free-look, grace period, and reinstatement, noting where they differ from standard national practice

Differentiate the Texas notice requirements for cancellation, nonrenewal, and premium increase across personal and commercial lines by day count and triggering reason

Explain the purpose, eligibility, and coverage limits of Texas residual-market mechanisms including the Texas Windstorm Insurance Association and the FAIR Plan

Identify the marketing, disclosure, and recordkeeping obligations that attach to a Texas agent at the point of sale and at renewal

Apply Texas claim-handling timeframes and acknowledgment deadlines to a set of claim scenarios

Define risk, peril, hazard, and loss, and classify pure versus speculative, fundamental versus particular, and static versus dynamic risk

Explain the six characteristics of an insurable risk and apply them to reject or accept hypothetical exposures

Break down the elements of a valid insurance contract, including offer, acceptance, consideration, legal purpose, and competent parties, and identify when a contract is void or voidable

Distinguish among express, implied, and apparent authority and describe how each binds an insurer

Explain indemnity, insurable interest, subrogation, utmost good faith, and the roles of representations, warranties, concealment, and waivers

Anatomize the standard policy structure by labeling declarations, insuring agreement, conditions, exclusions, and definitions in two different policy forms

Interpret coinsurance, deductibles, limits of liability, and valuation clauses by calculating settlement amounts in worked examples

Identify the common property perils and the named-peril versus open-peril distinction before starting the property domain

Compare homeowners forms HO-2, HO-3, HO-4, HO-5, and HO-8 on perils covered, occupancy, and eligibility

Differentiate Coverage A, B, C, and D limits, and compute loss settlement under each using practice scenarios

Explain the dwelling property forms DP-1, DP-2, and DP-3 and state how they differ from homeowners coverage

Identify the major homeowners exclusions and the endorsements most commonly used to add back coverage

Differentiate building and personal property coverage, including the 80% coinsurance condition and agreed-value alternatives

Compare the commercial property causes-of-loss forms (basic, broad, special) and list the perils each adds

Explain business income and extra expense coverage and calculate the period of restoration in a practice scenario

Summarize the treatment of windstorm, hail, and flood losses in Texas, including the NFIP and TWIA interface

Distinguish the coverage intent of inland marine and crime forms from commercial property forms

Break down the commercial general liability form by Coverage A, B, and C, and explain occurrence versus claims-made triggers

Compare personal auto and commercial auto coverage parts, including liability, medical payments/PIP, uninsured/underinsured motorist, and physical damage

State the Texas financial responsibility requirements and how they interact with UM/UIM and rejection forms

Summarize Texas workers compensation rules, including elective coverage, the exclusive remedy provision, and the role of the Texas Department of Insurance, Division of Workers' Compensation

Distinguish professional liability, umbrella/excess, and specialty liability coverages by the exposure each addresses

Complete two full-length timed practice exams to build pacing and stamina for all four domains

Rank your ten weakest objectives from practice-exam misses and re-study each until you can explain it aloud without notes

Re-verify the Texas-specific rules most likely to be tested, including cancellation notice periods, licensing, and claim-handling deadlines

Assemble your final one-page master review sheet covering limits, notice periods, and form comparisons