- The combined exam is 150 questions, 2 hours 30 minutes, and requires 70% to pass.
- Property and Casualty Insurance Basics is the largest domain at 16% - study it first.
- 40 hours of prelicensing education (20 Property, 20 Casualty) is required before you sit for the test.
- The exam costs $49 through PSI, with test-center or online-proctored options.
Exam Snapshot: The Core Numbers
If you only have five minutes before your test appointment, these are the numbers that matter for the Ohio Property & Casualty Insurance Agent Exam. The Ohio Department of Insurance owns the licensing requirement, but PSI administers the actual test as Series 11-36. It is a combined Property and Casualty examination, meaning you answer questions from both lines in a single sitting rather than scheduling two separate exams.
- Question count: 150 computer-based multiple-choice questions
- Time limit: 2 hours 30 minutes
- Passing score: 70%
- Cost: $49 for the combined exam
- Delivery: PSI test center or online-proctored
- Prelicensing education: 40 hours total (20 Property, 20 Casualty)
- Certificate/waiver validity: 180 days
- Background check: BCI and FBI fingerprint-based checks for resident applicants
For a deeper breakdown of every fee and expense associated with licensing, see the OH P&C Certification Cost 2026: Complete Pricing Breakdown. And if you're still confirming you meet the basic eligibility rules, check OH P&C Requirements 2026: Eligibility, Prerequisites & How to Qualify before you book anything.
Domain Weights at a Glance
The Ohio P&C exam blueprint spreads content across 10 domains, but the weighting is far from even. Knowing which domains carry the most questions tells you exactly where to spend your limited study hours. For the full explanation of each domain's content, bookmark OH P&C Exam Domains 2026: Complete Guide to All 10 Content Areas.
| Domain | Weight |
|---|---|
| Property and Casualty Insurance Basics | 16% |
| Homeowners Policy | 14% |
| Auto Insurance | 14% |
| Commercial Package Policy (CPP) | 12% |
| Insurance Regulation | 10% |
| General Insurance | 9% |
| Businessowners Policy | 8% |
| Other Coverages and Options | 7% |
| Dwelling Policy | 6% |
| Workers Compensation Insurance | 4% |
Notice that the top four domains - Basics, Homeowners, Auto, and CPP - together account for over half of the entire exam. If your study time is tight, this is the order in which you should build mastery.
Key Takeaway
Spend roughly proportional time on each domain: a domain worth 16% deserves noticeably more review hours than one worth 4%, even though both appear on the same exam.
Registration & Licensing Mechanics
Passing the exam is only one piece of getting licensed in Ohio. Here's the sequence most candidates follow, condensed into a cheat-sheet format:
- Complete 40 hours of approved prelicensing education - 20 hours dedicated to Property, 20 hours to Casualty.
- Keep your course completion certificate handy; it (and any applicable education waiver) is only valid for 180 days.
- Register for the exam through PSI under Series 11-36, choosing either a physical test center or online-proctored delivery.
- Pay the $49 exam fee for the combined Property and Casualty test.
- Complete BCI and FBI fingerprint-based background checks as a resident applicant.
- Sit for the 150-question, 2-hour-30-minute exam and aim for the 70% passing threshold.
The 180-day clock is easy to overlook but genuinely important - if your prelicensing certificate or waiver expires before you sit for the exam, you may need to redo coursework. Build your exam date around that deadline, not the other way around. For a calendar-style breakdown of scheduling logistics, see OH P&C Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Fast Domain Reference
Below is a condensed, cheat-sheet version of what each domain actually tests. Use this as a quick self-check before diving into full study materials.
Property and Casualty Insurance Basics (16%)
The largest domain covers foundational concepts that show up again inside every other section - insurable interest, policy structure, underwriting basics, and how P&C contracts are formed and interpreted.
- Know the difference between named-peril and open-peril forms
- Understand basic contract elements common to all P&C policies
Homeowners Policy (14%)
Expect questions on coverage forms, exclusions, and endorsements specific to homeowners policies, plus how liability and medical payments coverage interact with property coverage.
- Distinguish between the standard HO forms
- Know what's excluded vs. what requires an endorsement
Auto Insurance (14%)
Covers personal auto policy structure: liability, collision, comprehensive, uninsured/underinsured motorist coverage, and how exclusions apply to specific driving scenarios.
- Memorize the parts of a personal auto policy
- Understand financial responsibility concepts
Commercial Package Policy / CPP (12%)
Tests how commercial property and commercial liability coverage parts combine into a single package policy, along with common commercial endorsements.
- Know how CPP differs from a standalone commercial property or liability policy
- Review common exclusions unique to commercial risks
Domains like Insurance Regulation, General Insurance, Businessowners Policy, Dwelling Policy, Workers Compensation Insurance, and Other Coverages and Options carry smaller weights individually, but together they still make up close to half the exam. Don't skip them just because they're lighter - a candidate who ignores the smaller domains can still fail a 150-question exam on volume alone.
Last-Week Review Plan
If your exam date is within seven days, don't start a new study system - refine what you already know. This short weekly structure ties directly to the Ohio P&C domain weights rather than generic study advice.
Reinforce the Big Four
- Drill Property and Casualty Insurance Basics, Homeowners, Auto, and CPP - the four domains covering over half the exam
- Take timed practice questions to simulate the 150-question format
Fill Mid-Weight Gaps
- Review Insurance Regulation, General Insurance, and Businessowners Policy
- Flag any recurring wrong answers for a final pass
Cover the Smaller Domains
- Run through Dwelling Policy, Workers Compensation Insurance, and Other Coverages and Options
- Re-read weak flashcards rather than starting new material
Light Review Only
- Skim your cheat sheet, confirm exam logistics (location or online-proctoring setup), and rest
For a full-length study system that builds toward this final week, see OH P&C Study Guide 2026: How to Pass on Your First Attempt. If you're unsure how difficult the exam actually feels compared to your current prep level, How Hard Is the OH P&C Exam? Complete Difficulty Guide 2026 breaks down what makes it challenging.
Exam-Day Checklist
- Confirm whether you're testing at a PSI test center or via online-proctored delivery, and arrive/log in early
- Bring required identification matching your registration exactly
- Remember the format: 150 multiple-choice questions, 2 hours 30 minutes, 70% needed to pass
- Pace yourself - with 150 questions in 150 minutes, budget roughly one minute per question and flag uncertain ones to revisit
- Don't second-guess every answer; trust your prelicensing education and practice repetitions
Key Takeaway
At roughly one minute per question, time pressure is real but manageable - the bigger risk is spending too long on early Basics or Homeowners questions and rushing the smaller domains at the end.
Common Traps to Avoid
A few mistakes show up repeatedly among candidates preparing for this exam:
- Letting the certificate expire: Waiting too long after finishing your 40 hours of prelicensing education risks running past the 180-day validity window.
- Under-studying small domains: Workers Compensation Insurance is only 4%, but skipping it entirely still costs you real points on a 150-question exam.
- Confusing Dwelling and Homeowners content: These are separate domains (6% and 14% respectively) with distinct policy structures - don't assume one substitutes for the other.
- Ignoring regulation questions: Insurance Regulation is worth 10%, covering Ohio-specific rules that generic national study material may gloss over.
- Ignoring the passing threshold: Knowing you need 70% changes how you approach guessing on uncertain questions - see OH P&C Passing Score 2026: Exactly What You Need to Pass for scoring specifics.
Once licensed, agents holding this credential typically work for independent agencies, captive carriers, and brokerages writing personal and commercial P&C business across Ohio. If you're weighing whether the licensing effort pays off, Is the OH P&C Certification Worth It? Complete ROI Analysis 2026 and OH P&C Salary Guide 2026: Complete Earnings Analysis cover the career angle in detail, while OH P&C Jobs looks at where licensed agents actually get hired.
If foundational terminology still feels shaky, it's worth revisiting the basics before diving deeper into domain content. Start with What Is OH P&C? or OH P&C Meaning, and if you want a structured primer on the licensing path itself, OH P&C Certification and OH P&C Training are good next stops. You can also return to this site's practice exams anytime you want a quick confidence check against real exam-style questions.
Frequently Asked Questions
The combined Property and Casualty exam has 150 computer-based multiple-choice questions, with a time limit of 2 hours 30 minutes.
You need to score 70% or higher on the combined exam to pass.
The combined Property and Casualty exam costs $49 through PSI, which administers the test as Series 11-36.
Resident applicants generally complete 40 hours of approved prelicensing education - 20 hours for Property and 20 hours for Casualty - before sitting for the exam.
Property and Casualty Insurance Basics is the largest domain at 16%, making it the highest-priority starting point, followed by Homeowners Policy and Auto Insurance at 14% each.