A Minnesota homeowner signs a contract with a public adjuster. How long does the insured have to cancel it under section 72B.135?Minn. Stat. 72B.135
How many classes of adjuster license does Minn. Stat. 72B.03 create?Minn. Stat. 72B.03, subd. 2
Minn. Stat. 60A.201 presumes homeowners coverage is available from a licensed insurer when an owner-occupied dwelling is worth less than what amount?Minn. Stat. 60A.201, subd. 2
Under Minn. Stat. 60A.201, a coverage is presumed available in the licensed market when how many licensed insurers readily offer it?Minn. Stat. 60A.201, subd. 2
Under Minn. Stat. 72B.02, which claims does a Minnesota public adjuster work on?Minn. Stat. 72B.02, subd. 6
What does an appraiser do under Minn. Stat. 72B.02?Minn. Stat. 72B.02, subd. 9
What surety bond must be on file before Minnesota issues or renews a public adjuster's license?Minn. Stat. 72B.041, subd. 3
When may a Minnesota surplus lines broker not place insurance with a nonadmitted insurer?Minn. Stat. 60A.201, subd. 1
Which person fits the definition of a staff adjuster in Minn. Stat. 72B.02?Minn. Stat. 72B.02, subd. 7
Who may obtain a Minnesota surplus lines license under Minn. Stat. 60A.198, subd. 3?Minn. Stat. 60A.198, subd. 3
Show all 76 questions (66 more)
Claim and trade practices 6
A Minnesota agent refuses to give a customer the homeowner's application form of an insurer the agent represents. What is this under section 72A.20?Minn. Stat. 72A.20, subd. 14
After a Minnesota insurer receives a properly executed proof of loss, how long does section 72A.201 allow before it must advise the insured of acceptance or denial?Minn. Stat. 72A.201, subd. 4
How long does Minn. Stat. 72A.201 give an insurer to finish its investigation and accept or deny a claim after notification, where it can reasonably be done?Minn. Stat. 72A.201, subd. 4
Once a settlement amount is finally agreed, how soon must a Minnesota insurer issue payment under Minn. Stat. 72A.201?Minn. Stat. 72A.201, subd. 5
Under Minn. Stat. 72A.20, subd. 13, which of these may not be the sole reason a Minnesota insurer refuses to renew homeowner's insurance?Minn. Stat. 72A.20, subd. 13
Within how long must a Minnesota insurer acknowledge notice of a property or auto claim under Minn. Stat. 72A.201?Minn. Stat. 72A.201, subd. 4
Cancellation and nonrenewal 14
A Minnesota auto insurer cancels in midterm for a false claim on a policy two years old. What notice does section 65B.16 require?Minn. Stat. 65B.16
A Minnesota homeowner believes a nonrenewal breaks the law. How long after receiving the notice may an objection be filed with the commissioner?Minn. Stat. 65A.29
A Minnesota insurer cancels a commercial policy in midterm for a reason other than nonpayment. When may the cancellation take effect under section 60A.36?Minn. Stat. 60A.36, subd. 2
A Minnesota insurer sends a commercial nonrenewal notice only 20 days before expiration. What does Minn. Stat. 60A.37 provide?Minn. Stat. 60A.37
A Minnesota residential fire policy may be canceled only for listed reasons once it has been in effect how long, or has been renewed?Minn. Stat. 65A.01, subd. 3a
Before canceling a Minnesota commercial policy for nonpayment, how far ahead must the insurer give notice of the premium due?Minn. Stat. 60A.36, subd. 2
For a midterm cancellation of a Minnesota homeowner's policy on a ground listed in subdivision 3a, when must notice be mailed?Minn. Stat. 65A.01, subd. 3c
How far ahead must a Minnesota insurer send notice that it will not renew an automobile policy?Minn. Stat. 65B.17, subd. 1
How much notice does Minn. Stat. 65A.01, subd. 3c require before a homeowner's policy is canceled for nonpayment of premium?Minn. Stat. 65A.01, subd. 3c
How much notice of cancellation must a Minnesota auto insurer give when the reason is nonpayment of premium?Minn. Stat. 65B.16
The midterm cancellation limits of Minn. Stat. 60A.36 do not apply to a never-renewed commercial policy that has been in effect less than how long?Minn. Stat. 60A.36, subd. 3
Under Minn. Stat. 65A.29, an insurer may refuse to renew homeowner's insurance after how many covered wind or hail losses, each over $10,000, in five years?Minn. Stat. 65A.29, subd. 8a
What must a Minnesota auto cancellation or nonrenewal notice tell the named insured under section 65B.19?Minn. Stat. 65B.19
Which is a reason Minn. Stat. 60A.36 allows for canceling a commercial liability or property policy in midterm?Minn. Stat. 60A.36, subd. 1
No-Fault auto insurance 18
A Minnesota household insures two cars. When may the basic economic loss limits of the two be added together for one accident?Minn. Stat. 65B.47, subd. 7
A Minnesota policy's property damage liability limit is $10,000. What coverage must it give for damage to a rented private passenger vehicle?Minn. Stat. 65B.49, subd. 5a
Minnesota no-fault income loss benefits pay what share of lost gross income, up to what weekly maximum?Minn. Stat. 65B.44, subd. 3
Minnesota no-fault replacement services loss leaves out the loss sustained during which period?Minn. Stat. 65B.44, subd. 5
Minnesota survivors economic loss benefits are owed when death from the accident occurs within what time?Minn. Stat. 65B.44, subd. 6
To sue for noneconomic detriment after a Minnesota auto accident, medical expenses must exceed what sum if no injury threshold is met?Minn. Stat. 65B.51, subd. 3
Under Minnesota's comparative fault law, when does a claimant's own fault bar recovery?Minn. Stat. 604.01, subd. 1
What are Minnesota's minimum residual liability limits for bodily injury to one person, bodily injury to two or more, and property damage?Minn. Stat. 65B.49, subd. 3
What interest do overdue Minnesota no-fault payments bear?Minn. Stat. 65B.54, subd. 2
What is the minimum basic economic loss benefit for one person's injury under the Minnesota No-Fault Automobile Insurance Act?Minn. Stat. 65B.44, subd. 1
What is the most a Minnesota no-fault policy must pay for funeral and burial expenses?Minn. Stat. 65B.44, subd. 4
What minimum uninsured and underinsured motorist limits must a Minnesota plan of reparation security carry?Minn. Stat. 65B.49, subd. 3a
What must every driver in Minnesota be able to produce on demand of a peace officer under section 169.791?Minn. Stat. 169.791, subd. 2
What security must the owner of a motorcycle registered in Minnesota maintain under section 65B.48?Minn. Stat. 65B.48, subd. 5
When are Minnesota basic economic loss benefits overdue?Minn. Stat. 65B.54, subd. 1
When must a Minnesota insurer or its agent give an applicant the surcharge disclosure statement for private passenger vehicle insurance?Minn. Stat. 65B.133, subd. 2
Which injury result opens a Minnesota auto negligence suit for noneconomic detriment whatever the medical bills come to?Minn. Stat. 65B.51, subd. 3
Which vehicle is left out of the No-Fault Act's definition of motor vehicle in Minn. Stat. 65B.43?Minn. Stat. 65B.43, subd. 2
Standard fire policy and binders 8
A Minnesota building insured against fire is a total loss, with no fraud and no increase of risk. What does section 65A.08 make the insurer pay?Minn. Stat. 65A.08, subd. 2
A Minnesota hail policy must say that no suit on a claim may be sustained unless commenced within what time?Minn. Stat. 65A.26
A suit on a Minnesota standard fire policy must be commenced within what time?Minn. Stat. 65A.01, subd. 3
How may a binder for temporary fire insurance be made in Minnesota?Minn. Stat. 65A.03, subd. 1
How much written notice cancels a named mortgagee's interest under the Minnesota standard fire policy?Minn. Stat. 65A.01, subd. 3
Property moved to save it from an insured peril is covered at its new place, pro rata, for how long under the Minnesota standard fire policy?Minn. Stat. 65A.01, subd. 3
Under the Minnesota standard fire policy, coverage is suspended while the premises are vacant or unoccupied beyond what period?Minn. Stat. 65A.01, subd. 3
Within how long must the insured render a signed, sworn statement of loss under the Minnesota standard fire policy?Minn. Stat. 65A.01, subd. 3
FAIR plan, auto plan and assigned plans 6
How much notice of cancellation does the Minnesota FAIR plan give under section 65A.38, where no other section sets the time?Minn. Stat. 65A.38, subd. 2
May an agent bind coverage with the Minnesota FAIR plan?Minn. Stat. 65A.36, subd. 1
To be eligible for the Minnesota automobile insurance plan, what must have happened to an otherwise qualified applicant?Minn. Stat. 65B.10, subd. 1
What is the purpose of Minnesota's workers' compensation assigned risk plan under Minn. Stat. 79.252?Minn. Stat. 79.252, subd. 1
Which injured person may claim basic economic loss benefits through Minnesota's assigned claims plan?Minn. Stat. 65B.64, subd. 1
Who may apply to the Minnesota FAIR plan under Minn. Stat. 65A.34?Minn. Stat. 65A.34, subd. 1
Insurance Guaranty Association 5
A claimant has a claim against an insolvent insurer and, on the same facts, a claim under another policy. What does Minn. Stat. 60C.13 require first?Minn. Stat. 60C.13, subd. 1
Into how many separate accounts is the Minnesota Insurance Guaranty Association divided for administration and assessment?Minn. Stat. 60C.04
The Minnesota guaranty association does not cover claims by an insured whose net worth exceeds what amount?Minn. Stat. 60C.09, subd. 2
To which claims does the Minnesota guaranty association's dollar limit on a covered claim not apply?Minn. Stat. 60C.09, subd. 3
What is the most the Minnesota Insurance Guaranty Association pays on one covered property or liability claim?Minn. Stat. 60C.09, subd. 3
Workers' compensation 9
An employee of an uninsured Minnesota employer is hurt on the job. Where do the benefits come from under section 176.183?Minn. Stat. 176.183, subd. 1
On what basis is a Minnesota employer liable for workers' compensation for an injury arising out of and in the course of employment?Minn. Stat. 176.021, subd. 1
What does Minn. Stat. 176.031 say about an employer's liability under the workers' compensation chapter?Minn. Stat. 176.031
What is the maximum weekly temporary total compensation in Minnesota, as section 176.101 sets it from October 1, 2024?Minn. Stat. 176.101, subd. 1
What is the Minnesota compensation rate for temporary total disability?Minn. Stat. 176.101, subd. 1
What penalty may the commissioner order against a Minnesota employer that fails to insure its workers' compensation liability?Minn. Stat. 176.181, subd. 3
Which Minnesota employers are excepted from the duty in section 176.181 to insure or obtain an order to self-insure?Minn. Stat. 176.181, subd. 2
Which worker does Minn. Stat. 176.041 exclude from the workers' compensation chapter?Minn. Stat. 176.041, subd. 1
Who carries the burden of proving that an injury arose out of and in the course of employment under Minn. Stat. 176.021?Minn. Stat. 176.021, subd. 1
How this list was compiled: Own questions, written from Minnesota Statutes as published by the Office of the Revisor of Statutes at https://www.revisor.mn.gov/statutes/, read on October 12, 2026: chapters 60C, 65A, 65B and 72B (whole chapters) and sections 60A.198, 60A.201, 60A.36, 60A.37, 72A.20, 72A.201, 79.252, 169.791, 176.021, 176.031, 176.041, 176.101, 176.181, 176.183 and 604.01. Each question names its section and links to it. The topics follow the Minnesota Specific part (State Laws, Rules, and Regulations; 30 scored questions plus 5 pretest questions) of the Property & Casualty Producer content outline, which names the statute chapters beside each topic; the outline is linked from the Insurance Examinations Candidate Information Bulletin (10/1/2026) for the examinations of the Minnesota Department of Commerce, on the examination page https://test-takers.psiexams.com/mnins (the outline: https://proctor2.psionline.com/media/programs/MNINS/PropertyCasualty.pdf). Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial property and casualty insurance license MN practice test covers the Minnesota Specific part of the producer exam: 76 free questions from Minnesota Statutes. Policy forms are not asked. Not affiliated with the Minnesota Department of Commerce.
Read the full guide
Study guide for Minnesota property and casualty license: the state part
The content outline prints the statute chapters beside each topic of the Minnesota part, and the groups here follow them: adjusters and surplus lines, claim practices, cancellation, No-Fault auto, the standard fire policy, the FAIR plan and assigned plans, the guaranty association and workers' compensation.
What this Minnesota bank leaves out
Producer licensing and continuing education sit in the Minnesota life and health law bank and are not asked twice. Minnesota Rules were not read, and the general part of the exam is not here. Each answer links to its section on the Revisor of Statutes site.
No-Fault basic economic loss: at least $40,000 a person, $20,000 for medical expense and $20,000 for income and other loss (Minn. Stat. 65B.44).
Auto notices: 30 days to cancel, ten for nonpayment or in the first 59 days, 60 days not to renew (Minn. Stat. 65B.16, 65B.17).
Standard fire policy: sworn statement of loss within 60 days, suit within two years after inception of the loss (Minn. Stat. 65A.01).
Questions and answers
How many questions are on the Minnesota property and casualty exam?
The Property & Casualty Producer outline lists 50 scored property questions, 50 scored casualty questions and 30 scored Minnesota-specific questions, plus pretest questions. The candidate bulletin of October 1, 2026 allows 3 hours and asks 70% correct to pass.
What is on the Minnesota-specific part of the exam?
Twenty items on law common to all lines, five on property (adjusters, the standard fire policy, the FAIR plan, homeowners, binders) and five on casualty (No-Fault auto, the automobile insurance plan, comparative negligence). Workers' compensation is listed after them.
Is this property and casualty insurance license MN practice test free?
Yes, all of it, and your answers never leave your browser. The questions are our own, written from Minnesota Statutes. None was taken from the state exam, which this site has never seen.
What are Minnesota's minimum auto liability limits?
Minn. Stat. 65B.49, subd. 3 sets residual liability limits of not less than $30,000 for bodily injury to one person, $60,000 for two or more persons and $10,000 for property of others in one accident.