101PD

Property and Casualty · 30 hours

California Property and Casualty Insurance Exam Prep — California Exam Prep, 30 hours

California Property and Casualty Insurance Exam Prep covers coverage forms, risk, claims, ethics, and state requirements. Delivery, credential, and regulatory-credit eligibility are stated on the course page.

Professional training or exam-preparation material. No CE/MCLE/CPE credit hours are issued.

Course at a glance

Level
Beginner
Estimated time
30 hours
Prerequisite
Confirm the California license type and current examination bulletin that applies to you.

Skills you will practice

  • Coverage comparison
  • Limit and deductible analysis
  • Exclusion spotting
  • Personal-risk interviewing
  • California rule application

Learning objectives

  • Explain and apply §1.1 Definition & indemnity.
  • Explain and apply §1.2 Risk vocabulary.
  • Explain and apply §1.3 Insurable interest.
  • Explain and apply §1.4 Valuation preview.
  • Explain and apply §1.5 Subrogation & salvage.

Assessment and timing

Knowledge check plus 2 final exam versions.

Passing score: 70%.

Final timing: 1 minute per question.

Hands-on practice

Household coverage comparison

Review a fictional household profile and prepare a plain-language coverage comparison without making a sales recommendation.

  • Exposure inventory
  • Coverage comparison table
  • Unresolved-question list

Full syllabus

Chapter 1 — Basic Concepts: the P&C Lens (≈14 of 150 Q)

  • §1.1 Definition & indemnity
  • §1.2 Risk vocabulary
  • §1.3 Insurable interest
  • §1.4 Valuation preview
  • §1.5 Subrogation & salvage
  • §1.6 The catastrophe map (verified)
  • §1.7 Risk management & reinsurance
  • Trap pairs
  • Five-question self-test
  • Worked mini-drill
  • Memory spine
  • Ten-question chapter quiz (answers below)

Chapter 1 — Basic Insurance Concepts and Principles: the Property & Casualty Lens

  • §1.1 The definition, restated where it actually bites
  • §1.2 Risk, peril, hazard — the property fact patterns
  • §1.3 Insurable interest — at the time of LOSS
  • §1.4 Indemnity arithmetic — ACV, replacement cost, and friends (preview)
  • §1.5 Subrogation and salvage — indemnity's enforcement arms
  • §1.6 The ideally insurable risk — and California's three hard cases
  • §1.7 Risk management — the commercial vocabulary
  • §1.8 Reinsurance — the catastrophe context
  • §1.9 Chapter clinic
  • A. Decision clinic — ten calls
  • B. Rapid drill — 16 one-liners
  • C. Number bank
  • D. Self-check Q&A
  • §1.10 The fraud gallery — six P&C schemes every new licensee should recognize
  • §1.11 Myths corrected — the ten misconceptions that cost exam points
  • §1.12 Exam-day playbook — how to take THIS exam
  • §1.13 Rapid drill — round two (20 one-liners)
  • §1.14 Integration mini-cases — concepts meeting later chapters
  • §1.15 Five-question self-test (answers below)

Chapter 2 — Contract & Policy Anatomy (≈12 of 150 Q)

  • §2.1 Formation + binders
  • §2.2 DICEE map
  • §2.3 Standard fire policy (§§2070–2071)
  • §2.4 Other insurance
  • §2.5 California cancellation stack (verified)
  • Trap pairs
  • Five-question self-test
  • The lender's ladder (one diagram in words)
  • Worked mini-drill
  • Memory spine
  • Answer-elimination workshop — two anatomy questions, worked
  • Policy-reading lab — order of operations at a real claim
  • Ten-question chapter quiz (answers below)

Chapter 2 — The Insurance Contract and Policy Anatomy: Declarations to Endorsements

  • §2.1 Formation with the P&C twist — binders
  • §2.2 The DICEE map — reading any policy
  • §2.3 The standard fire policy — the statutory skeleton (Ins C §§2070–2071)
  • §2.4 Other insurance — the anti-stacking formulas
  • §2.5 California cancellation and nonrenewal — the verified day-count stack
  • §2.6 Chapter clinic
  • A. Decision clinic — ten calls
  • B. Rapid drill — 14 one-liners
  • C. Number bank
  • D. Self-check Q&A
  • §2.7 Guided statute reading — the cancellation stack, line by line
  • §2.8 Drill set two — policy anatomy speed round (10 calls)
  • §2.9 Vocabulary bank — contract and anatomy pivot words
  • §2.10 Case file two — the EUO that saved (and sank) two claims
  • §2.11 Five-question self-test (answers below)
  • §2.12 Rapid drill — round two (12 one-liners)

Chapter 3 — Marketplace, Rates, Fair Claims, E&S, CIGA (≈20 of 150 Q)

  • §3.1 Producers (shared stack + P&C layer)
  • §3.2 Insurers & vehicles
  • §3.3 Prop 103 (the rate constitution)
  • §3.4 Fair claims + conduct
  • §3.5 E&S
  • §3.6 CIGA (verified §1063.1)
  • Trap pairs
  • Five-question self-test
  • The day-count master table (marketplace)
  • Worked mini-drill
  • Memory spine
  • Answer-elimination workshop — two rate questions, worked
  • Worked contrast — the two guarantee funds in one scenario
  • Ten-question chapter quiz (answers below)

Chapter 3 — The P&C Marketplace: Producers, Rate Regulation, Fair Claims, E&S, and CIGA

  • §3.1 Producers — the P&C-specific rules on top of the shared stack
  • §3.2 Insurers, ratings, and the market map
  • §3.3 Proposition 103 — California's rate constitution
  • §3.4 Fair claims, UIPA, privacy, fraud — the shared machinery, P&C-flavored
  • §3.5 Excess and surplus lines — the lawful path off the admitted market
  • §3.6 CIGA — the P&C guarantee fund (verified live 2026-07-31)
  • §3.7 Chapter clinic
  • A. Decision clinic — ten calls
  • B. Rapid drill — 16 one-liners
  • C. Number bank
  • D. Self-check Q&A
  • §3.8 The California P&C code map — one table to organize the exam
  • §3.9 Disciplinary case walked — the premium-trust collapse
  • §3.10 The licensing journey walked — application to first commission (P&C edition)
  • §3.11 Vocabulary bank — marketplace pivot words
  • §3.12 Answer-elimination workshop — three regulation questions, worked
  • §3.13 Guided reading — CIGA's §1063.1 the way coverage counsel reads it
  • §3.14 Five-question self-test (answers below)
  • §3.15 Guided reading — §1861.02, the auto-rating constitution, line by line
  • §3.16 Rapid drill — round two (14 one-liners)

Chapter 4 — Valuation, Coinsurance, Tort Law (≈17 of 150 Q)

  • §4.1 Valuation table
  • §4.2 Coinsurance
  • §4.3 Limits & deductibles
  • §4.4 Negligence
  • §4.5 Defenses & damages
  • Formula box
  • Trap pairs
  • Five-question self-test
  • Sixteen-term tort & valuation glossary (one-liners)
  • Worked mini-drill
  • Memory spine
  • Ten-question chapter quiz (answers below)

Chapter 4 — Property and Casualty Fundamentals: Valuation, Coinsurance, and Tort Law

  • §4.1 Valuation — the indemnity yardsticks
  • §4.2 Coinsurance — the insure-to-value engine
  • §4.3 Limits and deductibles — the architecture
  • §4.4 Negligence — the casualty side's engine
  • §4.5 Damages — and California's punitive rule
  • §4.6 Chapter clinic
  • A. Decision clinic — ten calls
  • B. Rapid drill — 16 one-liners
  • C. Number bank
  • D. Self-check Q&A
  • §4.7 Math workbook — coinsurance and valuation, ten worked problems
  • §4.8 Case walked — negligence from sidewalk to verdict
  • §4.9 Vocabulary bank — the pivot words
  • §4.10 Guided reading — §533 and the intentional-act wall
  • §4.11 Second clinic — eight more calls
  • §4.12 Five-question self-test (answers below)
  • §4.13 Rapid drill — round two (14 one-liners)

Chapter 5 — Personal Lines Property (≈30 of 150 Q)

  • §5.1 HO form matrix
  • §5.2 Section I skeleton
  • §5.3 Exclusions → answers
  • §5.4 DP forms
  • §5.5 California catastrophe architecture (verified)
  • §5.6 Disaster statutes (verified)
  • §5.7 Floaters
  • Trap pairs
  • Five-question self-test
  • The percentage family (memorize as one card)
  • Sixteen-term personal-lines glossary (one-liners)
  • Worked mini-drill
  • Memory spine
  • Answer-elimination workshop — two property questions, worked
  • The wildfire placement card (carry to every brush-zone quote)
  • Ten-question chapter quiz (answers below)

Chapter 5 — Personal Lines: Homeowners, Dwelling, FAIR Plan, Earthquake, and Flood

  • §5.1 The homeowners program — who and what
  • §5.2 Section I — the coverage skeleton and its percentages
  • §5.3 The exclusion architecture — and its endorsement answers
  • §5.4 Dwelling (DP) forms — when HO doesn't fit
  • §5.5 California's catastrophe architecture — verified current
  • §5.6 The disaster-claim statutes — verified numbers every California producer must know
  • §5.7 Personal inland marine — the floater market
  • §5.8 Chapter clinic
  • A. Decision clinic — twelve calls
  • B. Rapid drill — 18 one-liners
  • C. Number bank
  • D. Self-check Q&A
  • §5.9 Case walked — a wildfire total loss, notice to keys
  • §5.10 Form-picker workbook — ten placements
  • §5.11 Claim-math chains — six worked
  • §5.12 Vocabulary bank — personal-lines pivot words
  • §5.13 Answer-elimination workshop — three personal-lines questions, worked
  • §5.14 Second clinic — eight more calls
  • §5.15 The California market explainer — why availability became the exam's subtext
  • §5.16 Five-question self-test (answers below)
  • §5.17 Rapid drill — round two (20 one-liners)

Chapter 6 — Personal Auto & Umbrella (≈23 of 150 Q)

  • §6.1 Financial responsibility (verified)
  • §6.2 PAP parts
  • §6.3 Ordering rules
  • §6.4 Umbrella
  • Formula box
  • Trap pairs
  • Five-question self-test
  • Sixteen-term auto glossary (one-liners)
  • Worked mini-drill
  • Memory spine
  • Answer-elimination workshop — two auto questions, worked
  • Claims-scenario lab — one crash, adjusted line by line
  • Ten-question chapter quiz (answers below)

Chapter 6 — Personal Auto and Umbrella Liability

  • §6.1 Financial responsibility — the verified California floor
  • §6.2 The Personal Auto Policy — six parts
  • §6.3 Umbrella liability — the excess layer
  • §6.4 Chapter clinic
  • A. Decision clinic — ten calls
  • B. Rapid drill — 16 one-liners
  • C. Number bank
  • D. Self-check Q&A
  • §6.5 Auto math workbook — eight worked problems
  • §6.6 Integration cases — where auto crosses everything
  • §6.7 Vocabulary bank — auto pivot words
  • §6.8 Answer-elimination workshop — three auto questions, worked
  • §6.9 Second clinic — six more calls
  • §6.10 Guided reading — the UM statute and the TNC period table
  • §6.11 Five-question self-test (answers below)
  • §6.12 Limits counseling — the essay the licensing exam quietly tests
  • §6.13 Rapid drill — round two (14 one-liners)
  • §6.14 Case walked — the four-carrier intersection

Chapter 7 — Commercial Property (≈22 of 150 Q)

  • §7.1 CPP & BPP
  • §7.2 Causes of loss
  • §7.3 Business income / extra expense
  • §7.4 The specialty parts
  • §7.5 BOP
  • Trap pairs
  • Five-question self-test
  • Sixteen-term commercial-property glossary (one-liners)
  • Worked mini-drill
  • Memory spine
  • Answer-elimination workshop — two commercial questions, worked
  • The commercial placement card
  • Ten-question chapter quiz (answers below)

Chapter 7 — Commercial Property Lines: CPP, BOP, Inland and Ocean Marine, and Crime

  • §7.1 The Commercial Package Policy — modular architecture
  • §7.2 The Building and Personal Property (BPP) form — three grants
  • §7.3 Causes-of-loss forms
  • §7.4 Business income and extra expense — the indirect-loss engine
  • §7.5 Builders risk and installation
  • §7.6 Commercial inland marine — property that moves
  • §7.7 Equipment breakdown (boiler & machinery)
  • §7.8 Commercial crime
  • §7.9 Ocean marine — the ancient line
  • §7.10 The Businessowners Policy — the small-business HO-3
  • §7.11 Chapter clinic
  • A. Decision clinic — ten calls
  • B. Rapid drill — 16 one-liners
  • C. Number bank
  • D. Self-check Q&A
  • §7.12 Business income math workbook — six worked problems
  • §7.13 Coverage-home sorting drill — sixteen rapid placements
  • §7.14 Vocabulary bank — commercial property pivot words
  • §7.15 Second clinic — eight more calls
  • §7.16 Guided reading — the period of restoration, clause by clause
  • §7.17 Five-question self-test (answers below)
  • §7.18 Integration cases — commercial property meeting the rest of the book
  • §7.19 Rapid drill — round two (16 one-liners)

Chapter 8 — Commercial Casualty (≈12 of 150 Q)

  • §8.1 CGL
  • §8.2 Commercial auto
  • §8.3 Workers' compensation
  • §8.4 Professional & management
  • §8.5 Surety
  • Trap pairs
  • Five-question self-test
  • The casualty clocks & counts table
  • Sixteen-term casualty glossary (one-liners)
  • Worked mini-drill
  • Memory spine
  • Master appendix — every P&C number on one page
  • Day-counts
  • Percentages
  • Dollars & limits
  • Ten-question chapter quiz (answers below)

Chapter 8 — Commercial Casualty: CGL, Commercial Auto, Workers' Compensation, and Surety

  • §8.1 The Commercial General Liability policy
  • §8.2 Commercial auto
  • §8.3 Workers' compensation — California's compulsory bargain
  • §8.4 Professional and management lines — recognize and place
  • §8.5 Surety bonds — credit, not insurance
  • §8.6 Chapter clinic
  • A. Decision clinic — ten calls
  • B. Rapid drill — 16 one-liners
  • C. Number bank
  • D. Self-check Q&A
  • §8.7 Workers' comp arithmetic — five worked problems
  • §8.8 Claims-made timeline workbook — four scenarios
  • §8.9 Master appendix — the P&C number bank on one page
  • §8.10 The final-week calendar
  • §8.11 Vocabulary bank — commercial casualty pivot words
  • §8.12 Second clinic — eight more calls
  • §8.13 Appendix — 40 mixed rapid-fire (whole-course sweep)
  • §8.14 Integration cases — casualty meeting the whole course
  • §8.15 Five-question self-test (answers below)

Sample from Part I

Chapter 1 — Basic Concepts: the P&C Lens (≈14 of 150 Q) High-yield review. Full doctrine: Treatise Ch. 1. Practice material — not affiliated with CDI/PSI. §1.1 Definition & indemnity - Ins C §22 — contract / indemnify / contingent or unknown event. - P&C = TRUE indemnity: restore, never improve. Enforcers: valuation · interest-at-loss · subrogation · salvage · other-insurance clauses. - Life contrast: valued contract. CA is NOT a valued-policy state for fire. §1.2 Risk vocabulary Peril = cause · hazard = physical/moral/morale (+legal) · pure only insurable · direct loss (the damage) vs indirect (lost income, ALE, extra expense) — same fire, two coverage parts. §1.3 Insurable interest - At the TIME OF LOSS (life: inception) — the guaranteed contrast question. - Holders: owners, lenders (to balance), tenants (use + improvements), bailees, buyers under contract. - Recovery capped by the interest, not the limit. Liability "interest" = legal exposure (everyone). §1.4 Valuation preview ACV = RC − depreciation · RC (no depreciation; insure-to-value discipline) · extended/guaranteed RC · functional RC · agreed value (kills coinsurance) · stated amount (LESSER of stated/ACV/repair) · valued (fine-arts schedules). §1.5 Subrogation & salvage - Insurer steps into insured's shoes vs the wrongdoer; insured must not impair (no releases); deductible back pro rata. - Salvage: pay total → take the property. Abandonment by insured: never permitted. - Pre-loss waiver of subrogation (leases/construction): permitted. §1.6 The catastrophe map (verified) - Wildfire → FAIR Plan: named perils (fire/lightning/internal explosion/smoke); $3M residential; $20M/bldg + $100M/location commercial HV (eff. 7-26-2025, sunsets 7-2028); NO liability/theft/water → DIC wrap. - Earthquake → excluded from forms; mandatory biennial offer (§10081); CEA mini-policy, 5–25% deductibles. - Flood → NFIP: $250k/$100k residential, 30-day wait (loan-closing exception). §1.7 Risk management & reinsurance STARR set; deductibles/SIR = priced retention; hold-harmless = contractual transfer; captives/RRGs. Reinsurance: treaty vs facultative; catastrophe XL = why wildfire seasons are survivable; policyholder contracts only with the ceding insurer. Trap pairs Says… Turns on ------ "Insured interest at purchase, gone at fire" No interest at loss → no recovery "Lender wants full limit; balance is less" Interest caps at the balance "Keep the wreck AND full ACV" Salvage is the insurer's "Released the at-fault driver" Impaired subrogation "Market value coverage" Land doesn't burn — RC/extended RC talk "FAIR Plan burglary claim" Named perils only — DIC's job "Wear and tear under open peril" Never fortuitous "Insurer's reinsurer failed" Ceding insurer still owes in full Five-question self-test 1. P&C interest timing? — at loss. 2. ACV formula? — RC − depreciation. 3. FAIR Plan perils? — fire/lightning/internal explosion/smoke. 4. Salvage owner post-total? — insurer. 5. Flood answer? — NFIP ($250k/$100k, 30-day wait). Worked mini-drill 1. Buyer in escrow, seller's house burns → each recovers per their own interest at loss. 2. $180k lender on $500k burned home → lender's slice caps at $180k. 3. Insured releases at-fault contractor before claiming → subrogation impaired; payment jeopardized to the prejudice. 4. "$5 trinket policy" → fails economic feasibility; certainties and trivia are

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California Property and Casualty Insurance Exam Prep

Course FAQ

What will California Property and Casualty Insurance Exam Prep cover?

The planned syllabus covers coverage forms, risk, claims, ethics, and state requirements with California-specific explanations and practical applications.

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