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The Texas P&C license guide
To sell property and casualty insurance in Texas, you need the General Lines – Property and Casualty license from the Texas Department of Insurance (TDI). It takes five steps: study, reserve the exam, pass it, get fingerprinted, and apply online.
State fees total about $145. Texas requires no prelicensing course and no insurance experience.
The order matters. TDI won't accept your application until you've passed the exam, and an application filed early has to be paid for twice.
A course is optional in Texas, but TDI recommends one because candidates who take one pass more often. Use the official topic list in the exam section below as your syllabus, or take our free 30-day prep course, which follows it.
Book online at Pearson VUE or by phone at (888) 754-7667, at least 24 hours ahead. The exam is General Lines – Property & Casualty, code InsTX-PC06. You pay the $49 fee when you reserve; the test center does not take payment.
It's 145 questions in 2 hours 30 minutes, and you need a scaled score of 70. You leave the test center with your official score report. If you don't pass, you can reserve a new exam as soon as the next day, with no limit on attempts.
Start on TDI's fingerprint portal to get your service code, then book a digital fingerprint appointment with IdentoGO. Keep your receipt — you'll attach a copy to your application.
Apply online through Sircon or NIPR and pay the $50 application fee. You have 12 months from passing to apply. Miss that window and you retake the exam.
Expect about $145 in fees, plus whatever you choose to spend on study materials.
| Item | Paid to | Cost |
|---|---|---|
| State exam | Pearson VUE, when you reserve | $49 per attempt |
| Fingerprints & background check | IdentoGO | About $40 |
| License application | TDI, through Sircon or NIPR | $50 + $5.60 fee |
| Prep course | Your choice | Optional |
| Total state fees | About $145 | |
Veterans may be reimbursed for exam fees through the U.S. Department of Veterans Affairs, per TDI. Some companies also pay the exam fee for candidates they plan to hire.
One multiple-choice test in two parts — general P&C knowledge and Texas law — scored as a whole. In August 2026, 61% of first-time takers passed, and only 38% of people retaking it did (Pearson VUE). Prepare to pass it the first time.
| Questions | 145 — 130 scored, plus 15 unscored "pretest" questions mixed in and not marked |
| Time | 2 hours 30 minutes |
| Passing score | 70 on a 0–100 scaled score. It is not the percentage you got right. |
| Fee | $49, paid when you reserve |
| Bring | Two forms of current signature ID. One must be a government-issued photo ID, and the names must match your registration exactly. Arrive 30 minutes early. |
| Results | You leave with your official score report |
| Section | What it covers | Questions |
|---|---|---|
| Property: types of policies | Homeowners (HO-2 to HO-8), dwelling (DP-1 to DP-3), commercial property, inland marine, flood, earthquake, windstorm | 22 |
| Property: terms & concepts | Insurable interest, risk, hazard, peril, loss valuation, coinsurance, liability, binders | 15 |
| Property: provisions & contract law | Declarations, conditions, exclusions, duties after loss, appraisal, subrogation, Fair Credit Reporting Act | 13 |
| Casualty: policies & bonds | Commercial general liability, personal and business auto, workers' comp, crime, surety and fidelity bonds, professional liability, umbrella, BOP | 23 |
| Casualty: terms & concepts | Hazards, indemnity, negligence, occurrence, warranties, representations, damages | 15 |
| Casualty: policy provisions | Insuring agreement, cancellation, supplementary payments, other insurance, loss settlement, TRIA | 12 |
| Texas: rules common to P&C | Commissioner powers, license types, appointments, continuing education, unfair trade practices, rebating | 18 |
| Texas: rules specific to P&C | Surplus lines, rate and form approval, homeowners and auto rules, TWIA, FAIR Plan, workers' comp, guaranty association | 12 |
| Total scored questions | 130 | |
Weights from Pearson VUE's Texas content outline, effective September 1, 2026. The full outline and candidate handbook are on Pearson VUE's Texas insurance page.
Built for people with no insurance background. One short mission a day: a lesson, a quiz and flashcards, then full-length practice exams in the final week. It follows the official outline above. Tell us where to send it.
The license lasts two years. Keeping it takes continuing education, and selling under it takes an appointment.
No. Texas sets no experience requirement and no required prelicensing course for this license. TDI does recommend a prep course, because candidates who take one pass more often.
About $145 in fees: $49 for the exam, about $40 for fingerprinting, and $50 plus a $5.60 transaction fee for the application.
Possibly. TDI offers a one-time, 180-day temporary license if an insurer or agency sponsors you, trains you for at least 40 hours, and is considering you for full-time appointment. You must pass the exam within those 180 days.
You can reserve a new exam as soon as the next day, with no limit on attempts. You pay the exam fee each time.
No. An application filed before you pass has to be refiled and paid for again.
Yes. General Lines – Property and Casualty is TDI's official name for the property and casualty agent license.
Yes. Per TDI, veterans may be reimbursed for exam fees on exams taken on or after February 1, 2019, by applying to the U.S. Department of Veterans Affairs.
Most of the agency owners we've brought on from outside the industry didn't have a license when they first called. A license is the on-ramp — here are the four ways to ownership in North Texas.
Ask anything about the exam, the course, or what you can do with the license once you have it.
Text or call Jim · 972-207-3077