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 Washington exam you need 70%.
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
Washington licenses Property and Casualty producers through PSI as separate 100-question exams (150 minutes, 70% to pass), with a combined Property & Casualty exam also offered. This bank covers the national property & casualty material plus Washington law - mandatory UM/UIM and PIP auto coverage (RCW 48.22), surplus lines and unauthorized insurers, rate regulation, the guaranty association, and property/fire-arson rules.
You need 70%. 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 Washington Insurance Code (RCW Title 48) for the state-law questions, with the statute section cited in each explanation.
The full Washington bank contains 998 questions (general insurance plus Washington 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.
How does Business Income coverage typically appear in a standard BOP compared to a CPP?
Why: The BOP generally includes business income and extra expense automatically (often for up to 12 months) without requiring a separately scheduled dollar limit, unlike the CPP.
A condominium unit-owner wants to insure improvements and betterments they installed (cabinets, flooring) plus personal property and liability. The proper form is:
Why: HO-6 is the condominium unit-owners form, covering personal property, owner-installed improvements/betterments, and Section II liability.
Under a value reporting form, what happens if the insured underreports values at the last report before a loss?
Why: The full reporting (honesty) clause penalizes underreporting by limiting recovery to the ratio of the value last reported to the actual value.
A producer asks whether a hospital cooperative that self-insures its liability risks is an "insurer" under the code. Under RCW 48.01.050, two or more hospitals organized as a mutual corporation to self-insure liability through a contributing trust fund are:
Why: RCW 48.01.050 expressly provides that two or more hospitals that join and organize as a mutual corporation to insure or self-insure against liability claims through a contributing trust fund are not an insurer under the code.
Identity theft / identity fraud expense coverage on a Homeowners policy generally provides:
Why: The identity theft endorsement reimburses expenses (such as legal fees, lost wages, and notary costs) incurred to restore the insured's identity and credit standing.
Theft coverage under the standard Dwelling Policy is:
Why: The Dwelling Policy does not include theft coverage by default; it must be added by a theft coverage endorsement.
Under RCW 48.32.060, member insurers must be notified of an assessment not later than:
Why: RCW 48.32.060(1)(c)(i) requires that each member insurer be notified of the assessment not later than thirty days before it is due.
Under the law of agency, the acts of the producer (agent) are generally considered to be the acts of the:
Why: An agent represents the insurer; under the law of agency, the agent's actions within authority are treated as those of the insurer (principal).
The characteristic that requires certain acts, such as paying premium and providing proof of loss, before the insurer must pay a claim is that insurance is a contract of:
Why: Insurance is a conditional contract because both parties must meet certain conditions before the contract can be enforced.
Under PAP Part B, a family member struck by a car while walking across the street is:
Why: Part B covers the named insured and family members as pedestrians when struck by a motor vehicle, in addition to occupants of the covered auto.
Under a Homeowners policy, the 'residence premises' definition primarily refers to:
Why: Residence premises is the one- to four-family dwelling where the insured resides, as shown in the Declarations, including grounds and related structures.
Under RCW 48.32.020, the guaranty association chapter applies to all kinds of direct insurance EXCEPT:
Why: RCW 48.32.020 provides that the chapter applies to all kinds of direct insurance except life, title, surety, disability, credit, mortgage guaranty, workers' compensation, and ocean marine.
The Peak Season endorsement is most useful for an insured whose:
Why: Peak Season provides additional limits on business personal property during seasonal periods of higher inventory, such as a retailer before the holidays.
Under RCW 48.18.480, what discrimination is expressly NOT prohibited?
Why: RCW 48.18.480 provides that the prohibition does not bar fair discrimination by a life insurer as between individuals having unequal expectation of life.
Under RCW 48.32.080, if a member insurer fails to pay an assessment when due, the commissioner may, as an alternative to suspension or revocation, levy a fine that shall not exceed:
Why: RCW 48.32.080(2)(b) authorizes the commissioner, as an alternative to license action, to levy a fine on a member insurer that fails to pay an assessment when due, not exceeding five percent of the unpaid assessment per month, but no less than $100 per month.
Under RCW 48.22.030, a "phantom vehicle" claim (no physical contact) requires, among other conditions, that the accident be reported to the appropriate law enforcement agency within:
Why: RCW 48.22.030(8)(b) requires, for a phantom vehicle claim, that the accident be reported to the appropriate law enforcement agency within seventy-two hours of the accident, and that the facts be corroborated by competent evidence other than the claimant's testimony.
Under RCW 48.22.005, PIP medical and hospital benefits are payable for reasonable and necessary expenses incurred within:
Why: RCW 48.22.005(7) defines medical and hospital benefits as payments for reasonable and necessary expenses incurred within three years from the date of the automobile accident.
A business that performs incidental contracts and also assumes a railroad's liability in a sidetrack agreement has the assumed liability covered under the CGL because:
Why: Sidetrack agreements are listed insured contracts, so liability assumed under them is excepted from the contractual liability exclusion.
Under RCW 48.19.060, the commissioner may extend the thirty-day rate-filing waiting period by an additional period not to exceed:
Why: RCW 48.19.060(2)(a) allows the commissioner to extend the waiting period by an additional period not to exceed fifteen days by giving notice within the waiting period that additional time is needed to consider the filing.
An insured with 50/100/25 split limits injures one person for $80,000. How much does the policy pay for that injured person?
Why: The per-person bodily injury limit is $50,000, so the most payable for one injured person is $50,000 regardless of the per-accident limit.
A producer who handles premium funds belonging to the insurer and the insured holds those funds in a:
Why: A producer holding others' money, such as premiums, acts in a fiduciary capacity and must handle those funds with trust and care.
Under RCW 48.18.290, for which type of policy may the cancellation notice be as short as five days before the effective date?
Why: RCW 48.18.290(1)(d) provides that if an insurer cancels a fire insurance policy under RCW 48.53.040 (the arson-fraud reduction provisions), it must deliver or mail the cancellation notice at least five days before the effective date.
Under RCW 48.15.020, an insurer that is not authorized by the commissioner:
Why: RCW 48.15.020(1) provides that an insurer not authorized by the commissioner may not solicit insurance business in this state or transact insurance business in this state, except as provided in the surplus lines chapter.
Under RCW 48.15.020, each violation of the prohibition against representing an unauthorized insurer is punishable by a fine of not more than:
Why: RCW 48.15.020(3) provides that each violation constitutes a separate offense punishable by a fine of not more than $25,000, and may result in suspension or revocation of a license.
A reciprocal insurer is best described as:
Why: A reciprocal or interinsurance exchange is an unincorporated association of subscribers who exchange insurance among themselves, administered by an attorney-in-fact.
An insurer knowingly accepts a late premium payment without objection on several occasions, then later tries to deny a claim because a payment was late. The insurer is most likely prevented from doing so by:
Why: By repeatedly accepting late payments (waiver), the insurer may be estopped from later denying coverage based on the very right it gave up.
Under RCW 48.30.133, a producer may give a person a gift for the referral of insurance business only if the gift does not exceed, per person in any consecutive twelve-month period:
Why: RCW 48.30.133(1) permits a producer to give prizes, goods, gift cards, or merchandise not exceeding $100 in value per person in any consecutive twelve-month period for the referral of insurance business, if not conditioned on the referred person obtaining insurance.
The 'other insurance' condition in a property policy generally provides that the policy will pay:
Why: When more than one policy covers the same loss, the other insurance condition typically calls for pro-rata sharing based on each policy's limits.
Under RCW 48.30A.015, a violation of the trafficking-in-insurance-claims provisions is, for a single violation:
Why: RCW 48.30A.015(4)(a) provides that trafficking in insurance claims is a gross misdemeanor for a single violation, and each subsequent violation is a class C felony.
Under RCW 48.18.220, when a producer receipts premium money at the time of binding coverage, the receipt must state that it is a binder, a brief description of the coverage bound, and:
Why: RCW 48.18.220 requires that a receipt for premium received when binding coverage state that it is a binder, give a brief description of the coverage bound, and identify the insurer in which the coverage is bound. This does not apply to life and disability insurances.