Key Takeaways
- Nebraska requires 40 hours of pre-licensing education for a Property & Casualty license
- The exam consists of 150 scored questions plus 10 pretest questions with a 2.5-hour time limit
- A passing score of 70% or higher is required on both national and state portions
- PSI Services LLC administers all Nebraska insurance licensing examinations
- Nebraska licenses are renewed biennially with 24 hours of continuing education including 3 hours of ethics
Nebraska Property & Casualty Exam Overview
Welcome to OpenExamPrep's FREE Nebraska Property & Casualty Insurance exam prep guide. This comprehensive resource covers Nebraska-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam and begin your career as a licensed P&C producer in the Cornhusker State.
About the Nebraska P&C Exam
The Nebraska Property & Casualty insurance examination is administered by PSI Services LLC on behalf of the Nebraska Department of Insurance (NDOI). The exam tests your knowledge of:
- Nebraska insurance law and regulations
- Property insurance principles and coverages
- Casualty insurance including auto and liability
- Policy provisions and endorsements
- Ethics and professional conduct
- Claims handling and consumer protection
Nebraska's Unique Insurance Landscape
Nebraska presents distinct insurance considerations that producers must understand:
| Factor | Insurance Impact |
|---|---|
| Tornado Alley Location | High windstorm and hail exposure |
| Agricultural Economy | Farm and crop insurance needs |
| Severe Weather | Property damage from storms common |
| Rural Population | Large geographic coverage areas |
| Flood Plains | Missouri and Platte River flooding |
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | PSI Services LLC |
| Total Questions | 150 scored + 10 pretest (unscored) |
| Time Limit | 2.5 hours (150 minutes) |
| Section Breakdown | National content + Nebraska State Law |
| Passing Score | 70% or higher on each section |
| Question Format | Multiple choice |
Important: Nebraska requires you to pass both the National and State Law sections separately. Your performance on the 10 pretest questions does not affect your score.
Pre-Licensing Education Requirements
Before scheduling your Nebraska P&C exam, you must complete:
Required Education
| Requirement | Details |
|---|---|
| Total Hours | 40 hours |
| Property Hours | 20 hours minimum |
| Casualty Hours | 20 hours minimum |
| Provider | Nebraska-approved education provider |
| Certificate | Completion certificate required |
| Timing | Must complete before exam application |
Education Topics Covered
-
Property Insurance (20 hours)
- Homeowners insurance forms (HO-1 through HO-8)
- Commercial property coverage
- Inland and ocean marine
- Fire and allied lines
- Farm and agricultural property
-
Casualty Insurance (20 hours)
- Auto insurance and Nebraska minimums
- General liability coverage
- Workers' compensation requirements
- Professional liability
- Umbrella and excess liability
-
Nebraska Insurance Law (integrated throughout)
- Nebraska Department of Insurance regulations
- State licensing requirements
- Consumer protection laws
- Ethical standards and prohibited practices
Exam Tip: Nebraska's 40-hour pre-licensing requirement is standard among states. However, Nebraska's severe weather exposure means understanding property coverage endorsements for wind, hail, and tornado damage is essential.
License Application Process
Step-by-Step Process
-
Complete Pre-Licensing Education
- Finish 40 hours from Nebraska-approved provider
- Receive completion certificates
- Keep certificates for 4 years
-
Submit License Application
- Apply through NIPR (National Insurance Producer Registry)
- Complete fingerprint-based background check
- Pay application fee ($50)
- Receive approval and Authorization to Test (ATT)
-
Schedule Your Exam
- Register with PSI Services LLC
- Schedule within authorization window
- Choose testing center or online proctored exam
- Pay exam fee ($62 for P&C combined)
-
Take the Exam
- Arrive 30 minutes early to testing center
- Bring two forms of valid identification
- One ID must be government-issued photo ID
- Pass with 70%+ score on both sections
-
Receive License
- License issued upon passing exam
- Initial license valid until next biennial renewal date
- Must be appointed by insurer to sell
- Complete CE requirements for renewal
Total Costs
| Item | Cost |
|---|---|
| Pre-License Education | $150 - $350 |
| License Application Fee | $50 |
| Exam Fee | $62 |
| Background Check | $36.25 |
| TOTAL | $300 - $500+ |
What This Guide Covers
This FREE study guide focuses on Nebraska state-specific content:
Chapter 1: Nebraska P&C Regulation & Licensing
- Nebraska Department of Insurance structure and authority
- Producer licensing requirements and continuing education
- Appointment and termination procedures
- Record-keeping requirements
Chapter 2: Nebraska Property Insurance
- Homeowners insurance regulations
- Commercial property coverage in Nebraska
- Farm and agricultural property insurance
- Severe weather considerations (tornado, hail, wind)
- Flood insurance requirements
Chapter 3: Nebraska Casualty & Auto Insurance
- Nebraska auto insurance minimum requirements (25/50/25)
- Uninsured/Underinsured motorist coverage rules
- Liability insurance principles
- Workers' compensation regulations
- Nebraska-specific endorsements
Chapter 4: Nebraska Ethics & Professional Conduct
- Fiduciary duties to clients and insurers
- Disclosure requirements
- Consumer protection laws
- Prohibited practices and penalties
- Professional standards
Note: This guide covers ONLY Nebraska state law. You must also study national P&C insurance principles to fully prepare for the exam.
Exam Content Distribution
The Nebraska P&C exam emphasizes:
| Content Area | Emphasis | Study Focus |
|---|---|---|
| Policy Types & Coverage | High | Know different policy forms and coverages |
| P&C Terms & Concepts | High | Master insurance terminology |
| Policy Provisions | High | Understand coverage limits, exclusions, conditions |
| Nebraska Insurance Law | Medium-High | State-specific regulations and requirements |
| Auto Insurance | Medium-High | Nebraska minimums and required coverages |
| Ethics & Conduct | Medium | Professional standards and prohibited practices |
| Claims Handling | Medium | Claims process and settlement |
Nebraska Department of Insurance Contact
Important Resources
| Resource | Details |
|---|---|
| Website | doi.nebraska.gov |
| Address | 1526 K Street, Suite 200<br/>Lincoln, NE 68508 |
| Phone | (402) 471-2201 |
| Consumer Hotline | (877) 564-7323 (toll-free) |
| doi.consumer@nebraska.gov |
Testing Center Information
PSI Services LLC
- Website: www.psiexams.com
- Phone: (833) 518-7458
- Online scheduling available 24/7
- Testing centers in Lincoln, Omaha, and other Nebraska cities
- Online proctored testing available
How to Use This Guide
Study Strategy
- Complete Pre-License Education First (40 hours required)
- Read Each Chapter Thoroughly - Focus on Nebraska-specific regulations
- Test Your Knowledge - Complete all quiz questions
- Review Key Takeaways - Create flashcards from bullet points
- Study National P&C Content - Use separate national study materials
- Take Practice Exams - Aim for 85%+ before scheduling real exam
Recommended Study Timeline
| Week | Focus | Hours |
|---|---|---|
| Week 1-2 | Complete 40-hour pre-license course | 40 hours |
| Week 3 | Study national P&C principles | 20 hours |
| Week 4 | Study Nebraska state law (this guide) | 15 hours |
| Week 5 | Practice exams and review weak areas | 20 hours |
| TOTAL | 95 hours |
Nebraska-Specific Study Tips
-
Master Severe Weather Coverages
- Nebraska is in Tornado Alley
- Understand wind, hail, and tornado endorsements
- Know percentage deductibles for wind/hail
-
Learn Farm Insurance Basics
- Agriculture is Nebraska's largest industry
- Farm owners policies combine dwelling and liability
- Crop insurance through FCIC/RMA programs
-
Understand Auto Requirements
- 25/50/25 minimum liability
- UM/UIM rules and rejection procedures
- Nebraska's tort system
-
Focus on Consumer Protection
- Nebraska consumer hotline: (877) 564-7323
- Claims handling timeframes
- Unfair trade practices
Success Tip: Nebraska's weather-related exposures make property insurance questions particularly important. Spend extra time understanding windstorm coverage, percentage deductibles, and tornado insurance provisions.
Next Steps
Ready to begin? Start with Chapter 1: Nebraska P&C Regulation & Licensing to learn about the Nebraska Department of Insurance, licensing requirements, and professional responsibilities.
Good luck on your exam!
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