- Property and Casualty are separate 77-question exams: 68 scored, 9 unscored pretest, 105 minutes each.
- Passing requires a scaled score of 70 on each exam, taken at a Pearson VUE test center or via OnVUE.
- Casualty Types of Policies, Bonds, and Related Terms is the single largest domain at 33.8%.
- Property Types of Policies follows closely at 32.4%, making these two domains over half your score.
Exam Basics at a Glance
Before diving into content, lock in the mechanics of the Tennessee Property & Casualty Insurance Producer Exam (TN-PC). The exam is governed by the Tennessee Department of Commerce and Insurance and administered by Pearson VUE. Property and Casualty are tested as two independent 77-question exams - you don't take one combined test unless you book Pearson's $80 OnVUE Property and Casualty combination appointment, which still evaluates each line separately under the hood.
Each exam gives you 68 scored questions plus 9 unscored pretest items mixed in without identification, all within 1 hour 45 minutes. A test-center attempt costs $55 per line. You need a scaled score of 70 to pass. For a deeper walkthrough of what that scaled score actually means in practice, see TN-PC Passing Score 2026: Exactly What You Need to Pass.
The 10 Domains, Ranked by Weight
The content outline effective October 15, 2025 splits the exam into five Property domains and five Casualty domains. Two domains dominate the scoring: Casualty Types of Policies, Bonds, and Related Terms at 33.8%, and Property Types of Policies at 32.4%. Together these two domains account for more than two-thirds of your combined question exposure across both exams. Everything else - terms, provisions, and Tennessee law - fills the remaining space in smaller, denser chunks.
| Domain | Focus Area |
|---|---|
| 1. Property - Types of Policies | 32.4% of Property exam |
| 2. Property - Insurance Terms and Related Concepts | Smaller, definitional |
| 3. Property - Policy Provisions and Contract Law | Contract mechanics |
| 4. Property - TN Laws/Rules Common to Life, A&H, P&C | Shared regulatory content |
| 5. Property - TN Laws/Rules Pertinent to Property Only | Property-specific statutes |
| 6. Casualty - Types of Policies, Bonds, and Related Terms | 33.8% of Casualty exam |
| 7. Casualty - Insurance Terms and Related Concepts | Smaller, definitional |
| 8. Casualty - Policy Provisions | Contract mechanics |
| 9. Casualty - TN Laws/Rules Common to Life, A&H, P&C | Shared regulatory content |
| 10. Casualty - TN Laws/Rules Pertinent to Casualty Only | Casualty-specific statutes |
For a full breakdown of every subtopic inside each domain, check TN-PC Exam Domains 2026: Complete Guide to All 10 Content Areas.
Property Side: What to Memorize
Domain 1: Property - Types of Policies
This is the highest-weighted Property domain, so treat it as your primary study anchor.
- Know the structural differences between homeowners forms, dwelling policies, and commercial property forms.
- Be able to identify covered perils under named-peril versus open-peril (special) forms.
- Understand how businessowners policies (BOP) bundle property and liability coverage.
Domains 2 & 3: Terms, Provisions, and Contract Law
These domains test whether you can apply vocabulary correctly, not just define it.
- Coinsurance, actual cash value versus replacement cost, and insurable interest are recurring concepts.
- Know standard policy conditions: cancellation, nonrenewal, subrogation, and appraisal.
- Understand basic contract law elements as they apply to insurance policies specifically.
Key Takeaway
Because Domain 1 carries the most weight on the Property exam, drill policy-type flashcards daily during your first study week rather than spreading equal time across all five Property domains.
Casualty Side: What to Memorize
Domain 6: Casualty - Types of Policies, Bonds, and Related Terms
At 33.8%, this is the single heaviest domain on either exam. It covers a wide range of coverage lines plus surety bond concepts.
- Auto liability, general liability, workers' compensation, and umbrella/excess policies all appear here.
- Surety bonds are tested as a distinct concept from insurance - know the difference between a two-party contract and a three-party bond arrangement.
- Professional liability and commercial umbrella structures show up as application-style questions, not simple definitions.
Domains 7 & 8: Casualty Terms and Provisions
Expect scenario questions that ask you to apply a term rather than recite it.
- Negligence, comparative and contributory fault, and strict liability are core vocabulary.
- Policy provisions like other insurance clauses, endorsements, and exclusions mirror Property provisions but with liability-specific twists.
If you're still deciding how much total prep time these two heavyweight domains deserve relative to the rest of the outline, TN-PC Study Guide 2026: How to Pass on Your First Attempt walks through a full first-attempt strategy.
Tennessee Law Domains Both Exams Share
Domains 4 and 9 test regulatory content that applies across Life, Accident and Health, Property, and Casualty lines alike - think licensing requirements, unfair trade practices, and producer conduct rules enforced by the Tennessee Department of Commerce and Insurance. Domains 5 and 10 narrow in on rules specific to Property or Casualty insurance only, such as line-specific filing or claims-handling statutes.
These four domains are individually smaller than the Types of Policies domains, but skipping them is a common mistake - candidates often over-invest in memorizing policy forms and under-invest in the regulatory questions that appear on every version of the exam.
Registration, Fees, and Test-Day Logistics
There's no prelicensing course requirement in Tennessee. What you do need:
- Be at least 18 years old.
- Complete fingerprint-based background screening.
- Apply through NIPR before scheduling your exam.
Once approved, schedule through Pearson VUE. Testing happens either at a physical Pearson test center or through OnVUE remote proctoring. If you choose OnVUE, note that unscheduled breaks aren't allowed once the exam starts, and you're limited to two OnVUE attempts per exam line before you're required to test at a physical center. A standard test-center attempt for either Property or Casualty runs $55; Pearson also offers an $80 OnVUE combination appointment covering both lines in one sitting.
For the full eligibility checklist and application sequence, see TN-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify. For a complete cost breakdown including retake scenarios, read TN-PC Certification Cost 2026: Complete Pricing Breakdown. And if you're mapping out when to sit for each exam, TN-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling covers scheduling windows in detail.
Last-Week Review Schedule
In the final stretch before test day, structure your remaining hours around the domain weights rather than reviewing everything equally.
Heavy Domains
- Re-drill Property Types of Policies and Casualty Types of Policies, Bonds, and Related Terms - your two highest-weight domains.
- Run timed practice sets on the practice test platform to build pacing for 105-minute sessions.
Terms and Provisions
- Review coinsurance, ACV vs. replacement cost, negligence standards, and standard policy conditions.
- Cross-check any missed practice questions against the full domain guide.
Tennessee Law Domains
- Focus on the four regulatory domains shared and specific to Property and Casualty.
- Take a full timed simulation for each exam line back to back.
Light Review
- Skim flagged terms only - no new material.
- Confirm your Pearson VUE appointment details and ID requirements.
If you want a sense of how demanding this pace actually feels compared to other insurance exams, How Hard Is the TN-PC Exam? Complete Difficulty Guide 2026 breaks down the difficulty factors, and TN-PC Pass Rate 2026: What the Data Shows puts the outcome data in context.
After You Pass: Licensing and CE
Passing both exams is a milestone, not the finish line. Your Tennessee resident producer license requires renewal every two years, and that renewal is tied to 24 continuing education hours, including 3 hours specifically in ethics. Build a habit of tracking CE credits early rather than scrambling near your renewal deadline.
Once licensed, many candidates start exploring where the credential opens doors. If you're weighing whether the investment of time and fees pays off, Is the TN-PC Certification Worth It? Complete ROI Analysis 2026 and TN-PC Salary Guide 2026: Complete Earnings Analysis are useful next reads. For those actively job hunting post-license, TN-PC Jobs and TN-PC Training cover the practical next steps, while TN-PC Certification gives a broader overview of the credential itself.
Key Takeaway
Print or save this cheat sheet's domain table and Tennessee eligibility checklist - they're the two references you'll return to most often between now and test day.
FAQ
Property and Casualty are two separate 77-question exams, each with 68 scored and 9 unscored pretest questions. You can schedule them individually or through Pearson's $80 OnVUE combination appointment.
You need a scaled score of 70 on each exam. See TN-PC Passing Score 2026 for more detail on how scaled scoring works.
No. Tennessee does not require a prelicensing course. You do need to be at least 18, complete fingerprint-based background screening, and apply through NIPR.
Property Types of Policies (32.4%) and Casualty Types of Policies, Bonds, and Related Terms (33.8%) are the largest domains and deserve the most study time, followed by the Tennessee law domains.
Yes, through Pearson's OnVUE platform, though unscheduled breaks aren't permitted and you're limited to two OnVUE attempts per exam line before test-center testing is required.
Keep this page bookmarked as your quick-reference sheet, and pair it with focused practice sessions on our TN-PC practice test platform to turn these facts into exam-day confidence.