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Elite Training Academy
Texas · Personal Lines — Property & Casualty

Texas Personal Lines — Property and Casualty Exam Prep

Self-paced exam preparation for the Texas Personal Lines — Property and Casualty producer license (TDI). Covers the Pearson VUE Texas Personal Lines P&C content outline. Not a state-approved pre-licensing course.

8
Sections
52
Lessons
500+
Practice questions
70%
Passing score

What you'll learn

Every section below is aligned with the Texas content outline.

Section 1
I. Types of Policies
5 lessons
+
  • Homeowners Forms — HO-2, HO-3, HO-4, HO-5, HO-6, HO-8
  • Dwelling Forms — DP-1, DP-2, DP-3
  • Inland Marine — Personal Articles Floaters and Commercial Property Floaters
  • National Flood Insurance Program (NFIP)
  • Other Coverages — Earthquake, Mobile Homes, Watercraft, Farm Owners, Windstorm
Section 2
II. Insurance Terms and Related Concepts
10 lessons
+
  • Insurance Fundamentals — Law of Large Numbers, Insurable Interest, Risk Transfer
  • Risk, Hazard, and Peril — Risk Management Techniques
  • Loss and Valuation — Direct vs. Indirect Loss, ACV, Replacement Cost, Agreed Value, Salvage
  • Proximate Cause, Deductible, Indemnity, and Limits of Liability
  • Coinsurance, Insurance-to-Value, and Occurrence
  • Cancellation, Nonrenewal, Vacancy, and Unoccupancy
  • Liability and Negligence — Elements, Types, and Defenses
  • Binders, Endorsements, Blanket vs. Specific, and Crime Definitions
  • Warranties, Representations, Concealment, Deposit Premium and Audit, Certificate of Insurance
  • Damages and the Fair Credit Reporting Act (FCRA)
Section 3
III. Policy Provisions and Contract Law
8 lessons
+
  • Policy Structure — Declarations, Insuring Agreement, Conditions, Exclusions
  • Definition of the Insured; Duties of the Insured; Obligations of the Insurance Company
  • Mortgagee Rights; Proof of Loss; Notice of Claim; Appraisal
  • Other-Insurance Provisions and Subrogation
  • Elements of a Contract and Distinctive Characteristics of Insurance Contracts
  • Warranties, Representations, and Concealment in Contract Law
  • Sources of Underwriting Information; FCRA; GLBA Privacy Protection
  • Policy Application; Terrorism Risk Insurance Act (TRIA); Policy Territory
Section 4
IV. Personal Policies — Auto and Umbrella
3 lessons
+
  • Personal Auto Policy (PAP)
  • Umbrella and Excess Liability
  • First-Party and Third-Party Bad Faith — Stowers, the Duty to Settle, and the Producer's Role
Section 5
V. Insurance Terms and Related Concepts (Casualty emphasis)
8 lessons
+
  • Risk and Hazards in a Casualty Context
  • Indemnity and Insurable Interest Applied to Casualty
  • Loss Valuation in Casualty — Auto Physical Damage, Crime, and Bodily Injury
  • Negligence, Liability, and Occurrence — Casualty Application
  • Binders, Warranties, Representations, and Concealment — Casualty Practice
  • Deposit Premium, Premium Audit, and Certificates of Insurance
  • Law of Large Numbers and Pure vs. Speculative Risk — Casualty Application
  • Endorsements, Damages, and FCRA Compliance in Casualty
Section 6
VI. Policy Provisions
7 lessons
+
  • Declarations, Insuring Agreement, Conditions, Exclusions and Limitations — Casualty Forms
  • Definition of the Insured; Duties of the Insured After a Loss — Casualty Context
  • Cancellation and Nonrenewal Provisions — Casualty Policies
  • Supplementary Payments; Proof of Loss; Notice of Claim
  • Other Insurance; Subrogation — Casualty Context
  • Loss Settlement Provisions Including Consent to Settle a Loss
  • Terrorism Risk Insurance Act (TRIA); Liberalization Clause
Section 7
VII. Texas Statutes and Rules Common to P&C Insurance
6 lessons
+
  • Commissioner of Insurance — Powers, Duties, Examination of Records, Investigation and Notice of Hearing, Penalties, Cease-and-Desist Orders
  • Insurance Definitions — Certificate of Authority, Transacting Insurance, Foreign/Domestic/Alien, Stock/Mutual, Admitted/Nonadmitted, Texas Lloyds
  • Licensing Requirements — Agent, Agency, Nonresident, Temporary, Limited, MGA, Surplus Lines, Adjuster, Risk Manager, Emergency
  • Exemptions, Appointment, Continuing Education, Records, Application/Denial/Renewal/Expiration, Termination/Revocation/Suspension, Required Notifications
  • Marketing Practices — Unfair/Prohibited Trade Practices, Advertising, Misrepresentation, Defamation, Controlled Business, Rebating, Discrimination, Fraud, Boycott/Coercion/Intimidation; Rating and Underwriting Practices
  • Agent Duties and Responsibilities — Commission Sharing
Section 8
VIII. Texas Statutes and Rules Pertinent to Personal Lines
5 lessons
+
  • Property and Casualty Definitions
  • Approval of Rates and Forms
  • Homeowner's Insurance — Declination, Cancellation, Nonrenewal; FAIR Plan; TWIA; Loss Settlement; Liquidated Demand
  • Automobile Insurance — Provisions, UM/UIM, PIP, Financial Responsibility, TAIPA, Rideshare
  • Texas Property and Casualty Insurance Guaranty Association (TPCIGA) and Medical Liability JUA

How it works

1

Enroll

One-time payment of $49.99. Secure checkout powered by Stripe.

2

Study on your schedule

Read the lesson library, take section quizzes, and work through the practice-question bank as many times as you need.

3

Pass the real exam

Take the official Texas exam with confidence. Most students finish the course in 2–4 weeks of casual study.

FAQ

Do I need a state-approved pre-licensing course?+
Most states — including Texas for the P&C producer license — let candidates study independently and sit for the exam without formal PLE. About 17 states do require state-approved PLE; in those states you'd need to take a separate PLE course in addition to this exam prep. Check your state's Department of Insurance for specific rules.
How does my access work?+
After purchase, you're enrolled immediately. Log in at any time from any device — laptop, tablet, or phone. Your progress syncs automatically. Access doesn't expire.
What if I fail the real exam?+
Retake the real exam through your state's exam vendor (typically Pearson VUE or PSI). Pay the exam fee again, schedule, and sit again. Your course stays with you the whole time — review the sections you missed and try again. If the course itself disappoints, contact us within 7 days of purchase for a full refund.
Is this course approved by the state?+
Elite Online Training Academy is a Texas Department of Insurance approved provider (EIN 93-3199613). For exam prep in states that don't require state-approved PLE, no provider approval is required — but we still build to the state's exam content outline. For CE, our Texas 24-hour P&C Compliance Essentials filing is in TDI review.
Can I get a refund?+
Yes. Within 7 days of purchase and before you've completed more than 25% of the course or started the final exam, you can request a full refund. Email support@elitetrainingacademy.com with your order number. Refunds process to the original payment method within 5–10 business days.

Ready to start studying?

Enroll once, keep access forever, pass your exam with confidence.

$49.99 · 7-day money-back · Lifetime access