- Property and Casualty Insurance Basics is the largest domain at 16% of the exam.
- Homeowners Policy and Auto Insurance each carry 14%, making them nearly as critical as the top domain.
- The combined exam has 150 questions, a 2-hour 30-minute limit, and requires 70% to pass.
- Workers Compensation Insurance is the lightest domain at just 4%, so budget study time proportionally.
Exam Overview: How the 10 Domains Fit Together
The Ohio Property & Casualty Insurance Agent Exam is a single combined test covering both the Property and Casualty lines of authority. It's administered by PSI on behalf of the Ohio Department of Insurance as Series 11-36, and it consists of 150 computer-based multiple-choice questions delivered in a 2-hour 30-minute window. A candidate needs 70% correct to pass. Unlike exams that split Property and Casualty into two separate sittings, Ohio blends both lines into one test session, which means your prep has to cover ten distinct content areas rather than a narrow slice.
Each of the ten domains represents a percentage of the total question count, not a fixed number of questions on every version of the exam. That distinction matters: PSI draws from a pool of items, so the exact number of questions per domain can shift slightly between test forms, but the overall proportions stay consistent. Understanding those proportions is the single most useful thing you can do before you start studying, because it tells you exactly where your hours will pay off. For a full walkthrough of how to build a study plan around these weights, see the OH P&C Study Guide 2026: How to Pass on Your First Attempt.
The 10 OH P&C Domains, Ranked by Weight
Here is the full domain list as published for the Ohio Property & Casualty combined exam, ordered from heaviest to lightest weighting:
| Domain | Weight | Approx. Questions (of 150) |
|---|---|---|
| Property and Casualty Insurance Basics | 16% | ~24 |
| Homeowners Policy | 14% | ~21 |
| Auto Insurance | 14% | ~21 |
| Commercial Package Policy (CPP) | 12% | ~18 |
| Insurance Regulation | 10% | ~15 |
| General Insurance | 9% | ~14 |
| Businessowners Policy | 8% | ~12 |
| Other Coverages and Options | 7% | ~11 |
| Dwelling Policy | 6% | ~9 |
| Workers Compensation Insurance | 4% | ~6 |
Add these ten together and you get 100% of the exam content. If you're still deciding whether this exam is manageable given your schedule, the domain spread is a good starting point - read How Hard Is the OH P&C Exam? Complete Difficulty Guide 2026 for a deeper look at where candidates typically struggle.
The Three Domains That Decide Your Score
Together, Property and Casualty Insurance Basics, Homeowners Policy, and Auto Insurance make up 44% of the exam. That's nearly half your score riding on three content areas. If you master nothing else, master these.
Domain 3: Property and Casualty Insurance Basics (16%)
This is the largest domain on the exam and the foundation everything else builds on. It covers the core vocabulary and mechanics that show up again inside every policy-specific domain later in the test.
- Policy structure: declarations, insuring agreements, conditions, exclusions, endorsements
- Insurable interest, indemnity, and subrogation principles
- Underwriting basics, rating factors, and premium calculation concepts
- Cancellation, nonrenewal, and reinstatement rules
- Claims handling fundamentals and loss valuation methods
Domain 5: Homeowners Policy (14%)
Candidates need to know the standard homeowners forms cold, including what each form covers, how coverage limits relate to each other, and where common exclusions apply.
- Coverage A through F structure and how limits interact
- Perils covered under named-peril versus open-peril forms
- Personal property replacement cost vs. actual cash value
- Liability and medical payments coverage under homeowners forms
- Common endorsements and scheduled property considerations
Domain 6: Auto Insurance (14%)
This domain tests both personal auto policy mechanics and the regulatory framework around vehicle coverage in Ohio.
- Liability, collision, and comprehensive coverage distinctions
- Uninsured/underinsured motorist coverage
- Medical payments and personal injury protection concepts
- Rating factors and policy period provisions
- Exclusions specific to personal auto policies
Key Takeaway
Allocate roughly 44% of your total study hours to these three domains alone. If you have six weeks to prepare, that's more than two and a half weeks focused just on basics, homeowners, and auto content.
The Smaller Domains You Still Can't Skip
The remaining seven domains range from 4% to 12% of the exam. None of them alone will make or break your score, but collectively they represent more than half the remaining questions, so treat them as required reading rather than optional extras.
Domain 7: Commercial Package Policy (CPP) (12%)
Covers how commercial property and commercial general liability coverages combine into a single package policy, including common causes of loss forms and business income coverage.
- Commercial property coverage forms and valuation
- Commercial general liability coverage triggers
- Package policy eligibility and structure
Domain 1: Insurance Regulation (10%)
Focuses on Ohio-specific licensing law, producer duties, and Department of Insurance oversight - material that rewards direct memorization more than conceptual reasoning.
- Producer licensing requirements and renewal cycles
- Unfair trade practices and market conduct rules
- Department of Insurance authority and enforcement
Domain 2: General Insurance (9%)
Broad concepts that apply across all lines: contract law basics, agent versus broker distinctions, and general policy provisions.
- Elements of a valid insurance contract
- Types of insurers and distribution channels
- Producer roles and responsibilities
Domain 8: Businessowners Policy (8%)
The BOP combines property and liability coverage for small to mid-sized businesses; know eligibility criteria and how it differs from a CPP.
- BOP eligibility rules
- Standard coverage parts included
- Differences between BOP and CPP structures
Domain 10: Other Coverages and Options (7%)
A catch-all domain covering umbrella policies, inland marine, and miscellaneous endorsements that don't fit neatly into the major policy domains.
- Personal and commercial umbrella liability
- Inland marine floaters and scheduled coverage
- Miscellaneous endorsement scenarios
Domain 4: Dwelling Policy (6%)
Distinct from homeowners forms, dwelling policies cover non-owner-occupied and secondary residences under their own set of forms and perils.
- DP-1, DP-2, and DP-3 form differences
- Eligibility for dwelling fire policies
- Coverage limitations versus homeowners forms
Domain 9: Workers Compensation Insurance (4%)
The lightest domain by weight, but still testable - expect questions on coverage parts and employer obligations rather than deep statutory detail.
- Coverage Part One vs. Part Two distinctions
- Employer obligations under workers comp law
- Monopolistic state fund considerations relevant to Ohio
If you want a condensed reference to keep all ten domains straight the week before your test, the OH P&C Cheat Sheet 2026: One-Page Review of Must-Know Facts distills each domain into quick-hit review points.
Mapping the Domains to a Study Timeline
Rather than studying domains in the order they're listed, sequence your prep by weight and by conceptual dependency. Property and Casualty Insurance Basics should come first because its vocabulary and mechanics reappear in every policy-specific domain that follows. From there, move into the two 14% domains, then work down through the mid-weight domains, and finish with the lightest ones as a final review pass.
Foundations
- Property and Casualty Insurance Basics (16%)
- General Insurance (9%)
Personal Lines Core
- Homeowners Policy (14%)
- Dwelling Policy (6%)
Auto and Regulation
- Auto Insurance (14%)
- Insurance Regulation (10%)
Commercial Lines and Wrap-Up
- Commercial Package Policy (12%)
- Businessowners Policy (8%)
- Other Coverages and Options (7%)
- Workers Compensation Insurance (4%)
This structure isn't the only valid approach, but it front-loads the domains worth the most points and leaves the lightest domain for last, when your review time is shortest. For more detail on pacing full study sessions around this kind of schedule, the OH P&C Study Guide 2026: How to Pass on Your First Attempt walks through daily and weekly routines built specifically around these ten domains. You can reinforce each week's focus with timed practice sets on the main practice test platform to see how your recall holds up under exam-style questions.
Registration, Fees, and Delivery Options
Domain knowledge only matters if you actually get to the testing room prepared and eligible. The combined Property and Casualty exam costs $49, and PSI offers both test-center and online-proctored delivery, so you can choose whichever fits your schedule and comfort level with remote testing.
Before you're eligible to sit for the exam, resident applicants generally complete 40 hours of approved prelicensing education - 20 hours dedicated to Property and 20 hours to Casualty. Course completion certificates and any education waivers remain valid for 180 days, so timing your coursework relative to your exam date matters. Resident applicants also complete BCI and FBI fingerprint-based background checks as part of the licensing process, which is separate from but runs alongside your exam preparation.
For a full cost breakdown that goes beyond the exam fee itself, see OH P&C Certification Cost 2026: Complete Pricing Breakdown. And if you're still confirming whether you meet the baseline eligibility criteria, OH P&C Requirements 2026: Eligibility, Prerequisites & How to Qualify covers the prerequisites in detail. If you haven't locked in a test date yet, OH P&C Exam Dates 2026: Testing Windows, Deadlines & Scheduling explains how PSI scheduling windows work.
Once you understand the domain weights and the registration mechanics, the next natural question is what score you actually need on test day - covered in OH P&C Passing Score 2026: Exactly What You Need to Pass. And if you're weighing whether pursuing this license is the right move for your career, Is the OH P&C Certification Worth It? Complete ROI Analysis 2026 and OH P&C Salary Guide 2026: Complete Earnings Analysis break down the career upside in more detail. You can also run a self-assessment against real exam-style questions using our practice test tool before committing to a test date.
Frequently Asked Questions
The exam has 150 total questions distributed according to each domain's percentage weight. Property and Casualty Insurance Basics, at 16%, contributes roughly 24 questions, while Workers Compensation Insurance at 4% contributes roughly 6. Exact counts can vary slightly by test form.
Start with Property and Casualty Insurance Basics. At 16% it's the largest domain, and its core concepts - policy structure, indemnity, underwriting - reappear throughout the Homeowners, Auto, Dwelling, and Commercial Package Policy domains.
No. Ohio administers a single combined Property and Casualty exam through PSI as Series 11-36, covering all ten domains in one 150-question, 2-hour 30-minute session with a 70% passing requirement.
Yes. Resident applicants generally complete 40 hours of approved prelicensing education split evenly - 20 hours for Property and 20 hours for Casualty - before sitting for the combined exam.
Workers Compensation Insurance (4%) and Dwelling Policy (6%) are the lightest domains. You shouldn't skip them entirely, but they warrant less study time relative to the 16% and 14% domains like Basics, Homeowners, and Auto Insurance.