10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The OH P&C exam has 150 questions and runs 2 hours 30 minutes.
These 10 free OH P&C questions are organized by exam domain, so you can see how each part of the Ohio Property & Casualty Insurance Agent Exam blueprint is tested. Reveal the answer and explanation under each question.
An Ohio insurer executes an agency contract with a licensed P&C agent on April 2. The agent submits the first application on April 20. What event starts the insurer's 30-day appointment-filing period?
Correct answer: B - April 2, when the agency contract was executed
An applicant is quoted a higher homeowners premium because a consumer report contributed to the underwriting decision. Which information belongs in the required adverse-action notice?
Correct answer: D - Name the consumer reporting agency, state that it did not make the decision, and explain the 60-day free-report and dispute rights
A carrier gives an agent branded applications, permits the agent to issue binders, and has repeatedly honored those binders. The agent binds a risk beyond an undisclosed internal limit, and the applicant reasonably relies on the binder. Which statement best describes the carrier's position?
Correct answer: A - The carrier may be bound under apparent authority and may pursue the agent separately
An insurer defines its loss ratio to include loss-adjustment expenses. During the year it earns $1,200,000 in premium, incurs $720,000 in losses and $120,000 in loss-adjustment expenses, and posts a 24% expense ratio. The underwriting results are:
Correct answer: C - Loss ratio 70%; combined ratio 94%; underwriting profit
An owner intentionally sets fire to a mortgaged building. The lender is listed under a standard mortgage clause, had no knowledge of the act, and satisfies its notice, premium, and proof-of-loss duties. How should the lender's claim be treated?
Correct answer: B - It may remain payable because the clause creates separate protection for the lender
Wind tears open an insured building's roof, and heavy rain is forecast before an adjuster can arrive. What action best satisfies the insured's post-loss duties?
Correct answer: A - Arrange reasonable temporary protection, keep records, and notify the insurer promptly
A landlord's DP-3 covers the dwelling under Coverage A and the landlord's personal property under Coverage C. A laptop simply disappears from the furnished unit; there is no evidence of theft or any other listed peril. The most accurate coverage conclusion is:
Correct answer: D - Not covered because Coverage C remains named-perils and no covered cause is shown
A buyer will occupy a condominium unit. The association master policy covers common elements, while the condominium declaration requires the unit owner to insure interior fixtures, improvements, personal property, loss of use, and personal liability. Which homeowners form fits the exposure?
Correct answer: C - HO-6 Unit-Owners Form
A guest slips on an icy front walk and incurs $1,800 in necessary medical expenses. The homeowner disputes negligence, but the claim is reported within the policy's three-year period. Which coverage can respond without first establishing legal liability?
Correct answer: A - Coverage F - Medical Payments to Others
An HO-3 insured owns a $22,000 engagement ring and wants broader causes-of-loss protection, a stated value, and removal of the ordinary deductible. Which endorsement most directly meets that objective?
Correct answer: D - HO 04 61 Scheduled Personal Property
The OH P&C exam also covers these domains. Drill them in the full free practice test:
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