General Lines Property and Casualty Exam Prep - Texas

General Lines Property and Casualty Exam Prep - Texas

✅ No Texas Prelicensing Course Required — This Is Optional Exam Preparation | 14 Hours of Instruction | 130 Practice Questions with Rationales | Only $149.99 | 100% Online & Self-Paced

Pass the Texas General Lines — Property and Casualty agent licensing examination the first time. This course gives you 14 hours of instruction built directly on the Pearson VUE content outline the state actually tests, plus a 130-question practice final examination that mirrors the real exam question for question, for $149.99. Texas requires no prelicensing course for an agent license, so this is voluntary preparation — you buy it to pass, not to satisfy a rule.

The course is fully online and self-paced. Log in and out as often as you like without losing your progress, on any device. Instructional time is weighted section by section to match the published question weights, so the hours you spend track the emphasis the exam gives each topic. Every Texas statutory citation was verified against primary sources in August 2026. Support is available by phone or text at 1-800-698-2770. Hablamos español.

✅ Course Details

• Course Name: General Lines Property and Casualty Exam Prep - Texas
• State Approval: None required — Texas mandates no prelicensing education for agent licenses
• Course Length: 14 hours of instruction, 84 lessons
• Course Type: Licensing examination preparation (not continuing education)
• Exam Prepared For: Texas General Lines — Property and Casualty agent license
• Practice Questions: 130, each with a written rationale
• Course Format: 100%% online, self-paced, any device
• Price: $149.99
• Certificate: Course completion certificate emailed on completion (not a CE certificate)
• Reporting: None — exam prep is not reported to any state
• Support: Phone or text 1-800-698-2770

✅ Who Should Take This Course?

• Candidates preparing for the Texas General Lines — Property and Casualty agent licensing examination
• Career changers entering insurance who have no prior product knowledge and are starting from zero
• Agency recruits whose employer expects them to pass the state exam within a set number of weeks
• Candidates who have failed the exam once and need a structured second attempt rather than more flashcards
• Licensed life, accident and health agents adding property and casualty authority
• Out-of-state producers who must pass the Texas exam because they do not qualify for reciprocity

✅ Does Texas Require a Prelicensing Course?

No. Texas is one of the few states that requires no prelicensing education for an insurance agent license. Texas Insurance Code §4001.105 sets the qualifications for an individual license — be at least 18, pass the licensing examination within the past 12 months, avoid disqualifying conduct, and submit the application and fee. No course hours appear anywhere in the statute or in the Department's rules. The only prelicensing education Texas mandates is for adjusters, not agents.

That means this course is not state-approved, does not carry a course approval number, and cannot substitute for the state examination — nothing can. It also means you are free to prepare however you like. Most candidates who fail did not fail for lack of effort; they failed because they studied a general insurance textbook instead of the Texas content outline. This course is built from that outline.

What this course is: 14 hours of examination preparation for the Texas General Lines — Property and Casualty agent license, weighted to the published Pearson VUE content outline, with a 130-question practice final examination. What it is not: it is not continuing education, it carries no CE credit, it is not approved by the Texas Department of Insurance, and completing it does not by itself qualify anyone for a license.

✅ How the Texas Licensing Exam Works

The Texas insurance licensing examinations are administered by Pearson VUE under contract to the Texas Department of Insurance. The General Lines — Property and Casualty examination is delivered in a single 150-minute appointment at a physical Pearson VUE test center and contains 145 questions in two parts: a general knowledge section of 100 scored questions plus 10 unscored pretest questions, and a Texas state-specific section of 30 scored questions plus 5 unscored pretest questions. Pretest questions are mixed in with the scored ones and are not identified. You need a scaled score of 70 to pass, and you leave the test center with your official score in hand.

• 150 minutes total for the whole examination — general and state sections together, not 150 minutes for each
• 145 questions: 100 scored general + 10 pretest, and 30 scored Texas + 5 pretest
• Passing score is a scaled 70, which is not the same as answering 70 percent correctly
• $49 examination fee per attempt, paid to Pearson VUE and non-refundable
• Test center only — Texas insurance examinations are not offered as online proctored exams
• Two forms of current, unexpired signature identification are required, one government-issued with a photograph
• No waiting period and no limit on retakes — a candidate who fails may reschedule for the next day, paying the fee again
• A passing score is valid for 12 months; apply within a year or take the examination again

How this course helps: This course provides 14 hours of instruction covering every topic on the published Pearson VUE content outline for the General Lines — Property and Casualty examination, with instructional time allocated in proportion to each topic's question weight. The 130-question practice final examination matches the real examination's structure exactly — 100 general questions and 30 Texas questions — so you can measure readiness against the actual test rather than against a generic quiz. It does not register you for the examination, pay your $49 fee, or replace the state examination.

✅ When and Where You Take the Exam

You choose. There is no fixed testing window and no cohort schedule. Create a Pearson VUE web account using your exact legal name as it appears on your government-issued identification, then schedule online or by calling 888-754-7667 at least 24 hours ahead. Appointments can generally be booked as late as one calendar day before you want to test, subject to seat availability at your chosen center. Texas insurance examinations are delivered in physical test centers only, so plan travel to a center near you.

If you need to reschedule or cancel, call Pearson VUE at least 48 hours before your appointment. Proper notice lets you transfer or recover the fee; cancelling without it forfeits the $49. Most candidates schedule the examination before they finish studying, because a booked date is the single most reliable way to finish a self-paced course.

✅ How to Get Your Texas Insurance License

Step 1: Study — no course is required, but the exam is not easy

Texas mandates no prelicensing hours, so nothing forces you to prepare. The examination still covers 130 scored questions across the full content outline. Work through this course and take the practice examination until you are scoring comfortably above 70.

Step 2: Create your Pearson VUE account and schedule the exam

Register at Pearson VUE using your exact legal name as printed on your identification. A mismatch will cost you the appointment at the door. Pay the $49 examination fee when you book.

Step 3: Request your fingerprint service code from TDI

Texas requires a fingerprint background check. Submit the Department's initial application and fingerprint request to receive a service code by email. Do this early — it is the step candidates forget.

Step 4: Schedule your fingerprint appointment with IdentoGO

Book with IdentoGO by IDEMIA using the service code TDI emailed you, online at identogo.com or by calling 888-467-2080, at least 24 hours in advance. A fee is payable at the appointment; confirm the current amount with IdentoGO.

Step 5: Take the examination

Arrive with two forms of current, unexpired signature identification. You have 150 minutes for all 145 questions. You will receive your official score report before you leave the test center.

Step 6: Get fingerprinted and keep the receipt

Complete the IdentoGO appointment and keep the receipt showing your prints were transmitted to the Texas Department of Public Safety. The Department asks for a copy of it.

Step 7: Apply for your license through Sircon or NIPR

Apply electronically at Sircon or NIPR and pay the $50 state application fee. Apply within 12 months of passing or you must test again. Do not apply before you pass — you would have to reapply and pay the fee twice. Each license type needs its own application and its own $50.

Step 8: Get appointed before you write business

A license alone does not let you sell. Texas Insurance Code §4001.201 requires an insurer to appoint you before you engage in business as an agent. An appointment continues until the insurer or the agent terminates it, so it is not something you renew.

✅ What You Will Learn

• How the HO-2, HO-3, HO-5, HO-6 and HO-8 forms actually differ, and which one answers a given fact pattern
• Occurrence against claims-made coverage, retroactive dates, and extended reporting periods — the single most tested casualty distinction
• How to apply the coinsurance formula, valuation methods, and deductible structures under exam time pressure
• The four elements of negligence, the defenses to it, and the difference between strict, absolute and vicarious liability
• The Texas-specific authorities by chapter number, including the risk manager chapter that competitor manuals get wrong
• TWIA, the FAIR Plan and TAIPA — which residual market answers which situation
• A verified statutory citation set checked against the Texas Insurance Code, Transportation Code, Labor Code and Title 28 in August 2026

✅ Course Content Overview

Hour 1 – Homeowners Policy Forms and Coverage Structure

Sections I and II, the HO-2, HO-3, HO-4, HO-5, HO-6 and HO-8 forms, named peril versus open peril, the standard exclusions and the endorsements that buy coverage back, and the special limits on personal property.

Hour 2 – Dwelling Policies and Specialty Personal Property

The DP-1, DP-2 and DP-3 forms and how the dwelling program differs from homeowners, mobile home and farm and ranch coverage, watercraft, flood and earthquake, and inland marine floaters.

Hour 3 – Commercial Property and Package Policies

The commercial package structure, the building and personal property coverage form and the three causes of loss forms, business income and extra expense, the business owners policy, builders risk, and first-party cyber.

Hour 4 – Property Terms, Risk, Hazards, and Loss Valuation

Insurable interest and indemnity, pure versus speculative risk, moral, morale and physical hazards, direct and indirect loss, proximate cause and concurrent causation, valuation methods, and the coinsurance formula.

Hour 5 – Property Policy Provisions, Conditions, and Contract Law

The parts of a policy, named and additional insureds, the standard mortgage clause, duties after a loss, appraisal, abandonment, subrogation and other insurance, the elements of a contract, and consumer protection rules.

Hour 6 – Commercial General Liability and Umbrella Coverage

Coverages A, B and C, the occurrence and claims-made triggers with retroactive dates and extended reporting periods, the limits structure, the principal exclusions, additional insureds, and umbrella and excess liability.

Hour 7 – Personal and Commercial Automobile Coverages

The personal auto policy parts A through D, the covered auto definitions, persons insured, collision and other than collision, the principal exclusions, and the commercial auto symbol system with hired and non-owned liability.

Hour 8 – Workers' Compensation, Crime, Bonds, and Professional Liability

Parts One, Two and Three of the workers' compensation policy, the exclusive remedy, commercial crime and employee theft, surety and fidelity bonds, and errors and omissions, medical malpractice and directors and officers coverage.

Hour 9 – Casualty Terms, Negligence, Liability, and Damages

The four elements of negligence and the defenses to it, absolute, strict and vicarious liability, special, general and punitive damages, the defined terms that trigger coverage, and binders, certificates and audits.

Hour 10 – Casualty Provisions, Duties After Loss, and Loss Settlement

Casualty policy structure and the difference between exclusions and limitations, who is an insured, duties on an occurrence, claim or suit, supplementary payments, cancellation and return of premium, and consent to settle and hammer clauses.

Hour 11 – Texas Insurance Regulation, Rates, and Forms

The Texas Department of Insurance and the Commissioner's rulemaking authority, certificates of authority and insurer classifications including Texas Lloyd's plans and county mutuals, unauthorized insurance and surplus lines, and rate and form regulation under Chapters 2251 and 2301.

Hour 12 – Texas Agent Licensing, Appointments, and Licensee Duties

Acting as an agent, the general and personal lines licenses, limited licenses, managing general agents, adjusters, public adjusters and risk managers, temporary licenses and appointments, continuing education, controlled business, and discipline.

Hour 13 – Texas Marketing Practices, Claims Handling, and Fraud

Chapter 541 unfair methods of competition, false advertising and defamation of an insurer, boycott, coercion, rebates and permitted practices, unfair discrimination under Chapter 544, unfair settlement practices, the prompt payment deadlines, and insurance fraud.

Hour 14 – Texas Property and Casualty Statutes and Residual Markets

Chapter 551 cancellation and nonrenewal, the liquidated demand rule for a total fire loss, TWIA, the FAIR Plan, TAIPA and the medical liability joint underwriting association, uninsured motorist and personal injury protection, rideshare coverage, and workers' compensation.

Practice Final Examination

A 130-question practice final examination mirroring the real exam question for question — 100 general knowledge questions and 30 Texas state-specific questions — with a written rationale for every item.

✅ Other Related Courses

Once you are licensed, Texas requires 24 hours of continuing education in each two-year license period, including 3 hours of ethics, under Texas Insurance Code §§4004.053 and 4004.054. The Department also requires that at least half of those hours be classroom or classroom-equivalent, so plan your renewal mix accordingly. Our approved Texas CE courses are listed below for when you get there — they are separate products and carry no exam-prep content.

• General Lines Life, Accident and Health Exam Prep - Texas – $149.99
• General Lines Exam Prep Bundle - Life, Accident and Health plus Property and Casualty – $249.99
• 3 Hour Ethics for Insurance Agents - Texas – $19.99
• 3-Hour Flood Insurance (NFIP) - Texas – $19.99
• 4-Hour Annuity Best Interest/Suitability - Texas – $19.99
• 5 HRs Life Insurance Products and Retirement Planning - Texas – $19.99
• 4 HRs Medicare Advantage and Part D Update - Texas – $19.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Texas – $19.99
• 4 HRs Homeowners Insurance Overview - Texas – $19.99
• 4 HRs Commercial Lines Insurance Essentials - Texas – $19.99
• 4 HRs Personal Auto and Umbrella Insurance - Texas – $19.99
• 3 HRs Workers Compensation Essentials - Texas – $19.99
• 3 HRs Inland Marine and Specialty Property Coverages - Texas – $19.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) - Texas – $19.99

✅ Why Choose 1st Choice CE?

• 14 hours of instruction weighted to the published Pearson VUE content outline, not a generic insurance textbook
• A 130-question practice final examination that mirrors the real exam's structure exactly
• Every Texas statutory citation verified against primary sources in August 2026
• Written to name the traps examiners actually set, not to fill pages
• 100% online and self-paced — log in and out anytime without losing progress
• Money-back guarantee
• Over 10 years of insurance education experience
• Support by phone or text at 1-800-698-2770 — hablamos español

✅ Enroll Now

Enroll in General Lines Property and Casualty Exam Prep - Texas today for $149.99. The course is fully online and self-paced, your progress is saved automatically, and every enrollment is backed by our money-back guarantee. Questions? Call or text 1-800-698-2770.