How to Use This Course

Welcome to OpenExamPrep's free Property & Casualty study guide! Here's how to get the most out of your preparation.

Course Structure

This course covers 12 chapters of general P&C content that applies across all states:

Personal Lines (Chapters 1-5)

• Chapter 1: Insurance Basics — Core concepts, policy structure, insurable interest
• Chapter 2: Property Insurance Fundamentals — Valuation, coinsurance, deductibles
• Chapter 3: Homeowners Insurance — HO-2, HO-3, HO-5, coverages and exclusions
• Chapter 4: Dwelling Fire & Other Personal Property — DP policies, inland marine, flood
• Chapter 5: Personal Auto Policy — PAP Part A-F, liability, physical damage

Commercial Lines (Chapters 6-11)

• Chapter 6: Commercial Property Insurance — BPP, causes of loss forms, business income
• Chapter 7: Commercial General Liability — Premises, operations, products liability
• Chapter 8: Commercial Auto Insurance — BAP symbols, MCS-90, garage coverage
• Chapter 9: Business Owners Policy (BOP) — Package policies, eligible businesses
• Chapter 10: Workers Compensation — Coverage A & B, exclusive remedy, state funds
• Chapter 11: Other Commercial Lines — Marine, crime, surety, umbrella, professional liability

Regulations & Ethics (Chapter 12)

• Chapter 12: Insurance Regulations & Ethics — Producer licensing, unfair practices, claims settlement

What This Course Covers (and Doesn't Cover)

Important: This course provides 70-80% of what you need. You MUST supplement with state-specific study materials for the remaining 20-30%.

Study Features

Comprehensive Text Content

Each section contains clear explanations written in plain language. We focus on what you need to know for the exam—no fluff.

Visual Diagrams

Mermaid flowcharts and diagrams help you understand complex processes and relationships between concepts.

Data Charts

Bar and pie charts visualize important statistics, coverage limits, and comparison data.

Practice Quizzes

Throughout each section, quiz questions test your understanding and reinforce key concepts. Use these to identify areas needing more review.

Recommended Study Plan

Week 1-2: Foundation (Chapters 1-5)

Build your foundation with personal lines:

1. Start with Insurance Basics — Master core concepts first
2. Study Homeowners thoroughly — This is heavily tested (10-15% of exam)
3. Focus on Personal Auto — Another high-frequency topic (10-15%)

Week 3-4: Commercial Lines (Chapters 6-11)

Expand to commercial coverage:

1. Commercial Property and Liability — Understand business policies
2. Workers Compensation — Unique concepts and mandatory coverage
3. Specialty lines — Marine, crime, surety, umbrella

Week 5: Regulations & State-Specific (Chapter 12 + State Materials)

Finish strong with regulations:

1. Review Chapter 12 — Producer licensing, ethics, unfair practices
2. Study state-specific materials — Critical for 20-30% of exam
3. Take practice exams — Full-length tests in exam conditions

Quick Reference: High-Priority Topics

Based on exam frequency, prioritize these areas:

Study Tips

1. Don't skip around — Content builds on previous chapters
2. Take every quiz — Active recall beats passive reading
3. Review mistakes — Wrong answers show your knowledge gaps
4. Study the exclusions — "What's NOT covered?" is commonly tested
5. Make flashcards — For policy limits, coverage letters, and key terms
6. Practice calculations — Coinsurance, pro rata, actual cash value

Ready to Start?

Navigate to Chapter 1: Insurance Basics using the sidebar to begin your P&C journey!

Good luck—you've got this!