Nevada Property & Casualty Insurance Exam 2026

Welcome to your FREE Nevada Property & Casualty (P&C) Insurance exam preparation guide. This comprehensive study resource covers Nevada-specific insurance laws, regulations, and requirements you need to pass your state licensing exam.

Note: This guide covers Nevada state-specific content. You should also study national Property & Casualty insurance concepts, as approximately 73% of the exam tests general insurance knowledge.

Why Get Licensed in Nevada?

Nevada is a growing insurance market with unique opportunities:

• Las Vegas Market: One of the fastest-growing metropolitan insurance markets in the U.S.
• Tourism Economy: Significant commercial insurance opportunities in hospitality industry
• Competitive Rating System: Open rate filing system encourages market competition
• No Pre-License Education: Lower barrier to entry compared to many states
• Desert Climate: Unique property risks including extreme heat and flash flooding
• Growing Population: Increasing demand for insurance professionals

What This Guide Covers

This FREE study guide includes:

✓ Nevada Insurance Law & Regulations - Division of Insurance, rate filing, producer licensing ✓ Property Insurance - Homeowners, dwelling, commercial property, wildfire/flood risks ✓ Auto & Casualty Insurance - Nevada's 25/50/20 liability requirements, uninsured motorists ✓ Nevada-Specific Topics - Desert climate risks, Las Vegas market considerations, state regulations ✓ Practice Questions - Quiz questions in each chapter to test your knowledge

Exam Format & Requirements

Exam Structure

Exam Costs

• P&C Exam Fee: $49
• Fingerprinting/Background Check: $60 (IdentoGO)
• License Application Fee: $185
• Transaction Fee: $5.60

Pre-License Education

Nevada has NO mandatory pre-license education requirement for Property & Casualty insurance. However, most successful candidates spend 40-60 hours studying exam content and taking practice tests.

Exam Tip: While Nevada doesn't require pre-license courses, the exam is comprehensive. Plan to study both national P&C concepts AND Nevada-specific laws thoroughly.

Exam Content Areas

National Content (73% of exam - 110 questions)

The national portion covers general P&C insurance principles:

1. General Insurance Principles (15-20%)

   • Risk and insurance fundamentals
   • Policy structure and provisions
   • Insurable interest and indemnity
   • Insurance companies and operations

2. Property Insurance (25-30%)

   • Homeowners policies (HO-2, HO-3, HO-4, HO-6, HO-8)
   • Dwelling policies (DP-1, DP-2, DP-3)
   • Commercial property (BPP, BOP)
   • Inland marine and personal articles

3. Casualty Insurance (25-30%)

   • Auto insurance coverage types
   • General liability insurance
   • Commercial liability policies
   • Workers' compensation basics

4. Other Insurance Lines (20-25%)

   • Professional liability
   • Commercial lines overview
   • Bonds and surety
   • Risk management

Nevada State Content (27% of exam - 40 questions)

The Nevada-specific portion covers:

1. Nevada Insurance Regulations (30-35% of state portion)

   • Nevada Division of Insurance authority
   • Producer licensing requirements
   • Continuing education (24 CE hours/2 years)
   • Rate filing and competitive rating system

2. Nevada-Specific Insurance Laws (25-30% of state portion)

   • Nevada Revised Statutes (NRS) Chapter 680-693
   • Unfair trade practices
   • Producer responsibilities
   • Consumer protection laws

3. Nevada Auto Insurance Requirements (20-25% of state portion)

   • Minimum liability: 25/50/20
   • Uninsured/underinsured motorist coverage
   • Financial responsibility law
   • SR-22 requirements

4. Nevada Property & Casualty Provisions (15-20% of state portion)

   • Nevada Insurance Guaranty Association
   • Policy cancellation and non-renewal rules
   • Desert climate considerations
   • State-mandated disclosures

How to Use This Study Guide

Recommended Study Plan

Week 1-2: General Insurance & Property

• Study general insurance principles and property insurance
• Focus on policy types, coverage, and exclusions
• Complete all practice questions
• Review key takeaways and summaries

Week 3-4: Casualty & Auto Insurance

• Study casualty insurance and auto coverage
• Master liability concepts and workers' compensation
• Complete all practice questions
• Understand claims processes

Week 5: Nevada State-Specific Content

• Deep dive into Nevada regulations and laws
• Focus on Nevada Division of Insurance requirements
• Master Nevada auto insurance minimums (25/50/20)
• Study Nevada Insurance Guaranty Association

Week 6: Review & Practice

• Review all key takeaways
• Retake practice questions
• Take full-length practice exams
• Focus on weak areas

Study Tips

1. Master Nevada-Specific Laws: 27% of your exam tests Nevada law—don't underestimate this portion
2. Know National Concepts First: Build strong foundation in general P&C insurance principles
3. Understand Nevada Auto Requirements: Know the 25/50/20 liability minimums cold
4. Practice with Questions: Use the quiz questions throughout this guide to test your knowledge
5. Focus on Regulatory Details: Nevada Division of Insurance processes and requirements appear frequently

Taking the Exam

Scheduling Your Exam

1. Register with Pearson VUE: Visit pearsonvue.com/nv/insurance or call 1-888-204-6272
2. Create Account: Set up a Pearson VUE account online
3. Select Exam: Choose "Property and Casualty" exam
4. Choose Testing Option: In-person at testing center or online (if eligible)
5. Pay Exam Fee: $49 exam fee

Before the Exam

Required:

• Valid government-issued photo ID (driver's license or passport)
• Confirmation number from Pearson VUE

Not Allowed:

• Phones, calculators, or reference materials
• Watches or electronic devices
• Notes or study materials

Provided:

• Scratch paper or dry-erase board
• Calculator (on-screen if needed)

On Exam Day

Arrive 15-30 minutes early to complete check-in procedures.

Testing Center Rules:

• Photo taken at check-in
• Personal belongings stored in locker
• No breaks during 3-hour exam period
• Results provided immediately after completing exam

After Passing the Exam

Next Steps:

1. Complete Fingerprinting: Schedule within 6 months of passing exam through IdentoGO ($60)
2. Submit License Application: Apply through Sircon online ($185 + $5.60 transaction fee)
3. Receive License: Nevada Division of Insurance reviews and issues license
4. Get Appointed: Obtain company appointments to sell insurance products
5. Complete CE Requirements: 24 hours of approved CE every 2 years (3 hours must be ethics)

If You Don't Pass

• Wait Time: You can retake the exam 24 hours after a failed attempt
• Retake Fee: Full $49 exam fee required for each attempt
• No Limit: Nevada has no limit on retake attempts
• Study More: Review weak areas and focus on sections where you scored lowest
• Score Report: Review your score breakdown to identify improvement areas

Nevada Division of Insurance

The Nevada Division of Insurance regulates the P&C insurance industry:

Nevada Division of Insurance Contact:

• Website: doi.nv.gov
• Phone: (775) 687-0700 (press option 2 for licensing)
• Email: nevada.licensing@doi.nv.gov
• Consumer Services: (888) 872-3234

Nevada Insurance Market Overview

Unique Nevada Characteristics

Desert Climate Risks:

• Extreme heat (120°F+ summers)
• Flash flooding in monsoon season
• Wildfire risk in mountain/suburban areas
• Minimal tornado/hurricane risk

Las Vegas Market:

• High-value commercial properties (casinos, hotels)
• Tourism-related liability exposures
• 24-hour business operations
• Unique vehicle risks (DUI frequency, tourist drivers)

Nevada Demographics:

• Fast-growing population
• High percentage of renters
• Significant seasonal/vacation properties
• Diverse ethnic communities

Ready to Start?

Let's dive into Chapter 1: Nevada P&C Insurance Regulation & Licensing to begin your exam preparation!

Remember: This content is 100% FREE. Use AI assistance whenever you get stuck—click "Ask AI" buttons throughout this guide or use the floating AI helper at the bottom right of your screen.

Important Resources

Official Nevada Resources

• Nevada Division of Insurance
• Nevada Revised Statutes - Chapter 680-693
• Pearson VUE Nevada Insurance Testing

Study Resources

• Nevada Producer Licensing Guide
• Nevada Insurance Guaranty Association
• This FREE study guide (you're reading it!)

After Licensing

• Sircon (License Application)
• IdentoGO (Fingerprinting)
• Nevada CE Requirements