Revise with instant feedback: the moment you pick an answer you see whether it was right, with the written, source-cited explanation. Untimed — ideal before you sit a mock exam. Questions you miss keep coming back until you know them.
Exam-day conditions: no feedback until you submit, each module scored separately like the real test, with a full question-by-question review at the end.
Each module is scored separately here so you know exactly where you stand. To pass the real Arizona exam you need 70% on each section.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
Arizona licenses Property and Casualty producers through Prometric (the Series 13-34 exam): 150 scored questions, 2 hours 30 minutes, with a national section and an Arizona state-law section each requiring 70% to pass. This bank covers the national property & casualty material plus Arizona law - the 25/50/15 minimum auto limits and Motor Vehicle Financial Responsibility Law (Title 28), UM/UIM, surplus lines, the Property & Casualty Guaranty Fund, personal and commercial cancellation/nonrenewal, and workers' compensation (Title 23).
You need 70% on each section. Revise each module to that level in Revision Mode, then run the full exam simulation in Exam Mode before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the Arizona Revised Statutes (Titles 20, 23 and 28) for the state-law questions, with the statute section cited in each explanation.
The full Arizona bank contains 980 questions (general insurance plus Arizona law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
Glass breakage to a covered building under broad and special homeowners forms is generally:
Why: Breakage of glass is a covered additional coverage/peril under broad and special forms, but coverage may be suspended when the dwelling has been vacant beyond the stated period.
A worker can return to light-duty work at reduced hours and lower pay while still recovering. The wage-loss benefit during this period is classified as:
Why: Temporary partial disability (TPD) compensates for the wage loss when a recovering worker can perform some work but earns less than before the injury.
Under ARS 20-191, a mailed insurance premium payment is deemed timely paid on which date?
Why: ARS 20-191(A) deems payment timely on the postmark date if properly deposited on or before the due date — therefore option 0.
Under ARS 23-1044, the scheduled award for the loss of a major arm is:
Why: ARS 23-1044(B)(13): loss of a major arm is compensated for sixty months — therefore 60 months.
An employer is also the manufacturer of the product that injured its own employee, and the employee sues the employer in its role as product maker rather than as employer. What doctrine does this illustrate, potentially triggering Part Two?
Why: The dual-capacity doctrine allows an employee to sue the employer in a second, distinct capacity (e.g., as product manufacturer); such suits can fall under Part Two Employers Liability.
A reporting form in commercial property is used when:
Why: Reporting forms suit fluctuating inventory values; the insured periodically reports values and premium adjusts, helping match coverage to actual exposure.
Under ARS 20-2113, an insurer generally may NOT disclose personal or privileged information about an individual unless the disclosure is:
Why: ARS 20-2113 prohibits disclosure unless it falls within an enumerated exception, such as the individual's written authorization — therefore option 2.
A defense holding that an injured party who contributed in ANY way to their own injury cannot recover damages is:
Why: Under pure contributory negligence, any fault by the plaintiff—even slight—bars recovery entirely.
A worker dies leaving a spouse and two minor children. Under ARS 23-1046, the surviving spouse's share is what percent of the average monthly wage?
Why: ARS 23-1046(A)(2): with surviving children the spouse receives 35% (the children share an additional 31 2/3%) — therefore 35%.
Under ARS 20-450, which practice is expressly NOT treated as unlawful discrimination or a rebate?
Why: ARS 20-450 lists permitted practices, including issuing life or disability policies on a salary savings or payroll deduction plan at a reduced rate commensurate with the plan's savings.
Garage coverage (now largely the Auto Dealers Coverage Form) is designed for:
Why: Garage/Auto Dealers coverage addresses the unique liability and physical damage exposures of dealers, repair shops, and service stations, including dealers' inventory.
Compulsory automobile insurance laws differ from financial responsibility laws in that compulsory laws:
Why: Compulsory insurance laws require coverage to be in place before registration/operation, whereas financial responsibility laws may allow proof only after an incident.
Under ARS 20-408, the director may impose a civil penalty for a late broker report of not more than:
Why: ARS 20-408(E) authorizes a civil penalty of not more than $25 against a broker for each day the required report is late.
In a Homeowners policy, Coverage D (Loss of Use) provides which of the following?
Why: Coverage D — Loss of Use pays additional living expenses while the home is uninhabitable and any lost fair rental value if part of the home was rented.
The authority that is not written but is reasonably necessary to carry out a producer's express authority is called:
Why: Implied authority is not written but is assumed to be granted because it is necessary to transact the business of the agency.
Under ARS 20-411, an applicant for an original resident surplus lines broker license who has not previously passed the exam must:
Why: ARS 20-411(C) requires each applicant who has not previously passed the exam to take and pass a written examination on surplus lines insurance and the broker's legal responsibilities.
Under ARS 20-1632, for reasons OTHER than nonpayment, notice of cancellation of a motor vehicle policy must be sent to the named insured at least how many days before the effective date?
Why: ARS 20-1632(A) requires that a cancellation or reduction-in-limits notice for reasons other than nonpayment be sent at least ten days before the effective date.
Under ARS 28-4009, the current Arizona minimum auto liability limits (BI per person / BI per accident / PD) are:
Why: ARS 28-4009(A)(2)(b) sets 25/50/15 effective July 1, 2020 — therefore 25/50/15.
Because the standard policy's Part One does not apply in monopolistic fund states (where coverage comes from the state fund), what does the policy still commonly provide for those states via endorsement?
Why: In monopolistic states, the state fund provides statutory benefits but not employers liability; a stop gap (Employers Liability) endorsement fills that gap.
Under ARS 23-1065, the industrial commission may direct payment into the special fund of not more than what share of the prior year's premiums received by private carriers?
Why: ARS 23-1065(A): the commission may direct payment of not to exceed one percent of premiums received in the preceding calendar year.
Under ARS 23-1021, an injured employee is entitled to compensation for an injury by accident that:
Why: ARS 23-1021: compensation is due for injury by accident arising out of and in the course of employment.
Under ARS 20-462, a first-party claim not paid within 30 days after receipt of an acceptable proof of loss requires the insurer to pay:
Why: ARS 20-462(A) requires interest at the legal rate from the date the claim was received when a first-party claim is not paid within 30 days after an acceptable proof of loss.
Under ARS 23-1046, burial (funeral) expenses for a work-related death are payable up to:
Why: ARS 23-1046(A)(1), as amended by SB 1135 (2026, signed June 19, 2026; effective September 12, 2026): burial expenses are payable up to $10,000 in addition to the compensation (raised from $5,000) — therefore $10,000.
Under Homeowners Coverage C special limits, money, bank notes, and coins are typically limited to about:
Why: Money, bank notes, gold, and coins carry a low special limit (commonly $200) under Coverage C.
Under ARS 20-267, at the inception of a monthly payment plan an insurer may require no more than the first month plus:
Why: ARS 20-267(B): at inception no more than one and one-half times the monthly premium may be required in addition to the first month's premium.
An umbrella policy will 'drop down' to provide coverage when:
Why: Drop-down occurs when underlying limits are exhausted or for losses the umbrella covers more broadly than underlying insurance.
Errors and omissions (E&O) insurance protects a producer against:
Why: E&O coverage responds to claims that the producer was professionally negligent, such as failing to obtain requested coverage, and is a key protection against the producer's professional liability exposure.
Rating that relies on the underwriter's individual judgment when little statistical data exists is called:
Why: Judgment rating is used for unique or hard-to-classify risks where the underwriter sets the rate based on experience and judgment.
An insurer's only Arizona activity is subsequent transactions on a policy that was lawfully solicited, written and delivered outside Arizona covering non-Arizona subjects. Under ARS 20-401.01, those transactions are:
Why: ARS 20-401.01(B)(3) exempts subsequent Arizona transactions on a policy lawfully written and delivered outside the state covering non-Arizona subjects — therefore option 1.
In most liability policies, defense costs are:
Why: Defense costs are typically paid in addition to (outside) the policy limits in standard liability forms, though some forms erode limits.