- Property and Casualty are separate, separately scored exams - you register for each one.
- Property runs 76 scored + 11 pretest questions (87 total) in 2 hours; Casualty runs 82 scored + 11 pretest (93 total) in 2 hours.
- Each exam needs a scaled score of 70; the $80 test-center fee is buy one, get one free when both exams are scheduled back-to-back.
- No prelicensing education is required, but the outline effective May 28, 2026 still covers 10 detailed domains across both exams.
Quick Facts Snapshot
Before you touch a single practice question, memorize the mechanics. The Rhode Island Property & Casualty Insurance Producer Exam (RI-PC) is governed by the Rhode Island Department of Business Regulation, Insurance Division, and delivered through Pearson VUE test centers or remote proctoring. First-time applicants sit for two distinct exams - Property and Casualty - each scored independently against the same passing bar.
| Detail | Property Exam | Casualty Exam |
|---|---|---|
| Total questions | 87 | 93 |
| Scored questions | 76 | 82 |
| Pretest (unscored) questions | 11 | 11 |
| Time limit | 2 hours | 2 hours |
| Passing scaled score | 70 | 70 |
Both major-line exams are offered in English and Spanish, and both can be taken in person or remotely - a scheduling flexibility that matters when you're coordinating two separately scored sittings around a single $80 test-center fee (buy one, get one free when scheduled back-to-back). For the full mechanics of how registration and rescheduling actually work, see the RI-PC Requirements guide and the RI-PC Exam Dates breakdown.
Property Exam Domains Cheat Sheet
The Property exam draws its 76 scored questions from five domains. Two of them - policy types and Rhode Island law common to both lines - carry the heaviest weight, so they deserve first priority in any review session.
Domain 1: Property - Types of Policies (13.9%)
The single heaviest Property domain. Expect questions distinguishing homeowners forms, dwelling policies, commercial property forms, and specialty property coverage structures.
- Know which form applies to which risk scenario, not just definitions
Domain 2: Property - Insurance Terms and Related Concepts (9.5%)
Foundational vocabulary: perils, hazards, valuation methods, coinsurance, and how these concepts interact across different property forms.
- Master replacement cost vs. actual cash value distinctions
Domain 3: Property - Policy Provisions and Contract Law (8.2%)
Contract elements, conditions, endorsements, and cancellation/nonrenewal provisions specific to property contracts.
- Focus on how provisions modify base policy language
Domain 4: Property - RI Laws, Rules, and Regulations Common to Property and Casualty (12.7%)
This domain overlaps with Casualty Domain 9 in subject matter - both test the same statutory framework, so studying it once benefits both exams.
- Licensing, producer duties, and unfair trade practice rules apply here
Domain 5: Property - RI Laws, Rules, and Regulations Pertinent to Property Insurance Only (3.8%)
The lightest domain on either exam, but still scored. Property-specific statutory provisions that don't apply to Casualty.
- Don't over-invest time here relative to its small weight
For a domain-by-domain breakdown with more granular subtopics, the RI-PC Exam Domains Guide is the natural next stop after this cheat sheet.
Casualty Exam Domains Cheat Sheet
Casualty carries slightly more scored questions than Property (82 vs. 76) and its own five-domain structure, anchored by policy types, bonds, and terms.
Domain 6: Casualty - Types of Policies, Bonds, and Related Terms (14.6%)
The single heaviest domain across both exams combined. Covers auto, general liability, workers compensation, umbrella, and surety bond structures.
- Bonds are frequently under-studied - don't skip them
Domain 7: Casualty - Insurance Terms and Related Concepts (9.5%)
Liability-specific vocabulary: negligence, indemnity, subrogation, and how these concepts differ from their property-side counterparts.
- Compare and contrast with Domain 2 terminology to avoid mixing lines
Domain 8: Casualty - Policy Provisions (7.6%)
Casualty-specific conditions, exclusions, and endorsement structures across liability and auto forms.
- Pay attention to how exclusions differ between personal and commercial auto
Domain 9: Casualty - RI Laws, Rules, and Regulations Common to Property and Casualty (12.7%)
Mirrors Property Domain 4 in weight and content - the same statutory framework tested from the Casualty exam's perspective.
- Reinforces material you already studied for the Property exam
Domain 10: Casualty - RI Laws, Rules, and Regulations Pertinent to Casualty Insurance Only (7.6%)
Casualty-specific statutory provisions, roughly double the weight of the equivalent Property-only domain (Domain 5).
- Review workers comp and auto-specific state rules closely
Key Takeaway
Domains 4 and 9 test the same "common to both lines" regulatory content from each exam's angle - master it once and you've effectively covered 25.4% of your combined scored questions.
Registration, Fees & Retake Rules
Because Property and Casualty are registered and scored separately, you're managing two exam appointments, not one. A few mechanics to lock in before you schedule:
- No prelicensing education required. Rhode Island does not mandate a prelicensing course before you sit for either exam - self-study and practice testing carry the full weight of your preparation.
- Fee structure: The $80 test-center fee is buy one, get one free when you schedule Property and Casualty back-to-back, so pairing your sittings saves money compared to booking them on separate days.
- Delivery options: Both exams can be taken in person at a Pearson VUE center or remotely, and both are available in English and Spanish.
- Retake waiting period: If you don't pass, you must wait 24 hours before reserving a retake for that exam.
- Licensing deadline: Once you pass, you have one year to apply for your license - don't let a passing score expire unused.
For a line-item cost comparison of fees, retakes, and total out-of-pocket spend, check the RI-PC Certification Cost breakdown. If you're unsure whether you even qualify to register, the RI-PC Requirements page covers eligibility in full.
Scoring & What Counts as Passing
Each exam - Property and Casualty - is scored on its own scale, and each requires a scaled score of 70 to pass. Passing Property does not carry over any credit toward Casualty; they are entirely independent pass/fail outcomes. Pretest questions (11 on each exam) are mixed in with scored items but don't count toward your result, so there's no way to identify or skip them during the test.
This independent scoring structure is exactly why candidates often ask how difficult the combined experience really is compared to sitting for a single-exam license test. The How Hard Is the RI-PC Exam guide unpacks that comparison, and the RI-PC Passing Score explainer walks through exactly how the scaled score of 70 is applied on each exam.
Key Takeaway
Treat Property and Casualty as two separate pass/fail events with the same scaled-score bar (70) - a strong Property score gives you zero cushion on Casualty.
Priority Study Plan by Domain Weight
With ten domains split across two exams, the smartest use of limited study time is to sequence topics by weight, not by outline order. This isn't a generic weekly template - it's built around the exact percentages above.
Heaviest Domains First
- Casualty Domain 6 (14.6%) - policies, bonds, and related terms
- Property Domain 1 (13.9%) - types of policies
Shared Regulatory Content
- Property Domain 4 and Casualty Domain 9 (12.7% each) - study together since content overlaps
Mid-Weight Terminology & Provisions
- Domains 2 and 7 (9.5% each) - insurance terms for Property and Casualty
- Domain 3 (8.2%) and Domain 8 (7.6%) - policy provisions and contract law
Lower-Weight Statutory Domains
- Casualty Domain 10 (7.6%) - casualty-only RI regulations
- Property Domain 5 (3.8%) - the lightest domain, reviewed last
For a more detailed, step-by-step prep sequence including practice-question benchmarks, the RI-PC Study Guide expands on this exact prioritization logic.
Who's Hiring RI-PC Holders
Passing both exams and applying for your license within the one-year window opens the door to producer roles at independent agencies, direct-writing carriers, and brokerages operating across Rhode Island's property and casualty lines. Because the license covers both major lines, license holders are qualified to write personal auto, homeowners, commercial property, and general liability business without needing a second separate credential.
If you're mapping out what this license actually leads to in terms of roles and long-term earning potential, the RI-PC Salary Guide and RI-PC Jobs overview go deeper on career paths, and the ROI analysis weighs the licensing effort against the career payoff.
Reviewing full-length simulations on the main practice test site also helps you get a feel for the 2-hour pacing on each exam - 76 scored Property questions or 82 scored Casualty questions within two hours leaves little room for getting stuck on any single item. A third pass through our practice exams closer to your test date is a good way to confirm you're consistently clearing the scaled score of 70 with margin.
FAQ
No, but scheduling them back-to-back lets you take advantage of the buy one, get one free $80 test-center fee structure, which is why many candidates book both in the same visit.
Property has 76 scored questions out of 87 total (11 are unscored pretest items), and Casualty has 82 scored questions out of 93 total (also 11 pretest items).
No. Rhode Island does not require prelicensing education for the Property & Casualty Insurance Producer Exam, so candidates typically prepare through self-study and structured practice testing instead.
You must wait 24 hours before you can reserve a retake for that specific exam. The other exam's result, if passed, is unaffected.
You have one year after passing to apply for your license, so don't delay the application once you've cleared the scaled score of 70 on both Property and Casualty.