Texas Personal Lines Insurance License – How to Get

Are you considering getting your Texas Personal Lines Insurance License?

If you are searching for information about how to pass the Texas Personal Lines insurance exam, you have come to the right place. As you will see, this page is the #1 resource for everything you need to know about how to pass the Texas Personal Lines Property & Casualty Insurance License exam and get your Personal Lines license in Texas. My name is Scott Schultze, and I am the director of insurance licensing content here at PassMasters. For over 20 years, my family has been teaching people in Texas how to get their insurance licenses.

Read on to find answers to the most commonly asked questions related to taking this exam. Do you have a question that isn’t answered below? If so, submit it to us on our Contact Us page and we will get right back to you and add your question to this page. If you have been studying to pass this exam and just aren’t getting it, or have taken the exam and failed, we can help. You can sign up with us here.

Texas Personal Lines Exam Prep with Scott

Who gives the Texas insurance license exam?

Since insurance is regulated by state law, it is the Texas Department of Insurance, or TDI, who decides who administers the insurance licensing exam in Texas. Did you know, in some states the insurance exam is actually given by the Department of Insurance itself? Well, not in Texas. In Texas, the TDI has secured Pearson VUE, which is an IT service management company that has secured many state insurance license exam contracts throughout the nation. Pearson VUE also administers licensing exams for many other professions in Texas.

It is Pearson VUE that comes up with the exam questions you will encounter on your personal lines insurance licensing exam. Essentially, Pearson VUE administers the entire insurance license exam process for Texas, on behalf of the TDI.

Pearson VUE Texas Insurance Licensing Candidate Handbook

Pearson VUE Texas Insurance Exam Provider

What types of insurance can I sell with a Personal Lines license in Texas?

Once you obtain your license you will be able to sell personal lines insurance, such as dwelling, homeowners, and personal auto insurance. Most people who are going to only sell auto insurance obtain the Personal Lines Property & Casualty license in Texas.

What is the Texas Personal Lines Property & Casualty Exam Code?

You will need to know this information when you schedule your test. In Texas, there are two versions of the Personal Lines Property & Casualty test. One version is delivered in English and one is in Spanish. Here are the exam codes for each version:

English – InsTX-PersPC55

Spanish – InsTX-PersPC75

How many questions are on the Personal Lines insurance exam in Texas?

There are 116 questions total on the Texas Personal Lines Property & Casualty insurance licensing exam. The exam is made up of two parts as follows:

Part 1 – General Knowledge75 scoreable questions plus 11 pretest questions

Part 2 – State-Specific Content (Texas Insurance Regulations) – 25 scoreable questions plus 5 pretest questions

What is a pretest question? Well, before Pearson VUE can consider a test question statistically valid, they must test it out using the test takers (you) as a guinea pig. If everyone gets the answer right, or wrong, the question is deemed invalid and is not used any further.

You WILL NOT know which questions are pretest questions. However, they do not count towards your score. They are usually related to newer laws and concepts, so if you see a question out of left field, just assume it is a pretest question, do your best, answer it, and move on.

View the Texas Personal Lines Insurance Exam Outline

What is the time limit for the exam?

The exam has a 120-minute time limit. This breaks down to a little over one minute per question, which should be more than enough time. We have never had a study run out of time. However, it’s not a race. If you go too quickly you are guaranteed to miss a question or two simply because you misread it. Take your time and read the entire question before you look at any answers. There are no scheduled breaks during this exam, however, if you need to use the bathroom, or get a drink, do it!

How much does it cost to take the Texas Personal Lines licensing exam?

The exam is $33. Keep in mind that if you fail, you must pay the $33 fee again. The fee is a one-time test-taking fee and must be paid each time the exam is taken.

What is the minimum score required to pass?

The minimum score required to pass is 70%. The passing score for the exam is not based on each part separately but on the exam as a whole.

How long will it take for me to find out if I passed my exam?

Once you have completed your exam, the proctor will inform you shortly thereafter by printing out and presenting you with your official score report. You will NOT be informed which questions you answered correctly, or incorrectly. If you do not pass, make sure to keep this report, as it will give you insight into those areas you will need to focus on as you continue your studies.

Your score report is good for 12 months. If you do not obtain your license within 12 months, you will have to take and pass the licensing exam again.

What questions are on the Personal Lines test in Texas?

All Texas insurance exams are multiple-choice and delivered via computer. The questions you will encounter on the Personal Lines exam in Texas are pulled for each individual test-taker by Pearson VUE from their databank of thousands of questions. In other words, each exam is different and created for each individual test taker.

This is why it is so important to understand the concepts found in the exam outline to successfully answer any question you encounter on the exam. Below you will find a few sample Texas Personal Lines practice exam questions pulled directly from our Texas Personal Lines insurance license exam prep course, which are similar to those you will encounter on the exam:

Personal Lines Sample Questions:

All of the following are true regarding the DP-2 broad form policy EXCEPT:

A. It is a named peril form
B. It is ACV on the contents
C. It contains the 80% coinsurance clause
D. Theft is a covered peril

Answer: D
Explanation:  Theft of contents is never covered on a dwelling fire policy, although coverage for theft of personal property may be added by an endorsement called the broad form theft, or by adding a type of inland marine insurance called a personal articles floater (PAF). Do not confuse a DP policy with an HO policy.

You have an HO-3 policy on your dwelling that you are in the process of moving out of. How long are your contents that you move to your new residence automatically covered on your policy?

A. 10 days
B. 20 days
C. 30 days
D. 60 days

Answer:  C
Explanation:  This provision allows the client to have proper coverage at both the old location and the new for 30 days, since the 10% extension of coverage off premises is waived.

On a PAP, which of the following coverages is not a supplementary payment?

A. Cost of bail bonds
B. Cost of defense
C. Cost of appeal bonds
D. Accrued interest on judgments

Answer:  B
Explanation:  The cost of defense is in addition to limits, but on an auto policy it is not a supplementary payment. Instead, it is included as part of the insuring agreement. The test loves this concept. You must know the three supplementary payments on a personal auto policy include:  up to $250 for the cost of bail bonds required because of an accident that results in BI or PD covered by the policy; appeals bonds and interest; and loss of earnings up to $200 a day if you are required to attend a hearing or trial related to the accident.

How do I study to PASS my Texas Personal Lines P&C test?

It’s a pretty straightforward process really. Over the past 20 years, we have helped thousands of people do it. In our Texas P&C insurance license exam prep course, you will find a 7-day study plan which will have you ready to pass your exam in only one week.

The formula you will follow in our study course for the Texas Personal Lines license is to read a pdf section of our study manual, watch an instructor teach you the content in the section, watch a key fact video review and then complete a section review exam. You will complete each section in the course in this manner until you reach the course’s final exam. Pass the final exam with a 90% or better and you are ready to go!

Are you ready to pass? Find out really quickly by taking one of our free personal lines texas insurance practice exams here and checkout feedback from a real life person just like you who found success with our online video-based Texas Personal Lines class:

“You are right when you suggest that all course tools be used: All text read and practice tests taken. See report on test questions % per topic that you provide. Review text and videos multiple times. I took this test in 88 without a computer and internet. Trust me the video is important. Take online finals until 90 is achieved. Take over if necessary. Have the entire book printed out and nearby to reread topics.”


TX Personal Lines Student

How do I schedule my Personal Lines insurance exam in Texas?

You can schedule your exam with Pearson VUE online at https://home.pearsonvue.com/tx/insurance or by calling them at 1-888-754-7667. You must be at least 18 years of age before sitting for the exam and have a valid Social Security number.

Pro tip: Make sure to schedule your exam well in advance of completing our course so you can make sure to get the date and time you want at the test center of your choice. Pearson VUE encourages candidates to make their exam reservation at least twenty-four (24) hours in advance. We recommend even further in advance. Keep in mind exam testing fees are not accepted at the test center.

Where is the Texas Personal Lines insurance licensing exam given?

Pearson VUE has many testing locations throughout Texas. Regardless of which one you choose to take your exam at, Pearson VUE recommends you arrive at the testing center at least 30 minutes before your scheduled exam so you can check-in. You should also be aware the testing center is a very serious place. They may make you empty your pockets and put all your personal belonging in a locker in the waiting room before you enter the testing room.

What happens if I fail my insurance exam?

Nothing. Keep in mind, that neither your score on your exam nor how many times it takes you to pass is an indication of how great you are going to be at this job.

If you do fail, you can schedule a new exam within one day. There is no limit to the number of times a candidate can take an exam. However, a new testing fee must be paid for each exam retake ($33).

It is also important for you to know the next time you take the exam you may not see any of the same questions you encountered before. Pearson VUE has thousands of questions in their databank, so it is unlikely you will see many of the same questions upon a second attempt at the exam. This is why it is so important to understand the concepts vs. memorizing questions and answers. Do you need help passing this exam? We have an excellent course where your success is guaranteed. You can view our Texas Insurance Exam Prep courses here.

Once I pass, how do I go about getting my insurance license?

The TDI will issue an insurance license to individuals who:

• Are at least eighteen (18) years old
• Have passed the proper licensing examination (if required) and submit a completed application within twelve (12) months after the exam is passed
• Submit a completed application with fee, and fingerprint receipt
• Met all applicable license requirements
• Have not committed an act for which a license may be denied, as defined under §4005.101 of the Texas Insurance Code and §1.502 of 28 Texas Administrative Code

You can apply electronically for your license as directed at www.sircon.com/texas after you have passed the exam. As mentioned above, your exam score report is only valid for 12 months from the date of issuance. If you don’t apply for your license within 12 months, the licensing exam must be taken again.

Sample Personal Lines exam prep course videos:

Our course was created for someone who has NO insurance background at all! Using our 7-day study plan, you will start building an insurance definition-based foundation that will have you ready to answer all your exam questions correctly by the end of the course. Although our course does include a Texas Personal Lines insurance license exam study manual in PDF format, our course is highly video-based. Come on insurance is boring enough, but our instructor Scott makes it easy to understand. Sample course videos below:

Additional FREE Insurance Exam Prep Videos:

We also post insurance exam prep videos on our YouTube page to help those people that may need some additional help while studying for their Texas Personal Lines license. You can find our page here and see a sample below: