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Property & Casualty Insurance

Inside the Missouri Property & Casualty Insurance Key Facts Digest: What's in Your Resources Tab

Every Missouri property and casualty track on passvana has a Resources tab of quick-reference material built from the official exam outline and the state's own insurance code, with each fact checked against its source. Here is what is in it.

Missouri Property and Casualty Insurance Producer Exam

  • Tables: Missouri Property & Casualty Exam: Structure, Weights & Who Takes It (free); Property Policies: Homeowners, Dwelling, Commercial Property & Inland Marine; Liability Policies: CGL, Auto, Workers' Comp, Crime, Bonds & Professional; Missouri Insurance Law: Key Rules for Property & Casualty Producers
  • Flashcard decks: Missouri Property & Casualty Exam & Insurance Law Quick Facts (free); Property Numbers & Concepts; Casualty Numbers & Concepts

Missouri Property Insurance Producer Exam

  • Tables: Missouri Property Exam: Structure, Weights & Who Takes It (free); Property Policies: Homeowners, Dwelling, Commercial Property & Inland Marine; Missouri Insurance Law: Key Rules for Property Producers
  • Flashcard decks: Missouri Property Exam & Insurance Law Quick Facts (free); Property Numbers & Concepts

Missouri Casualty Insurance Producer Exam

  • Tables: Missouri Casualty Exam: Structure, Weights & Who Takes It (free); Liability Policies: CGL, Auto, Workers' Comp, Crime, Bonds & Professional; Missouri Insurance Law: Key Rules for Casualty Producers
  • Flashcard decks: Missouri Casualty Exam & Insurance Law Quick Facts (free); Casualty Numbers & Concepts

Missouri Personal Lines Insurance Producer Exam

  • Tables: Missouri Personal Lines Exam: Structure, Weights & Who Takes It (free); Property Policies: Homeowners, Dwelling, Commercial Property & Inland Marine; Liability Policies: CGL, Auto, Workers' Comp, Crime, Bonds & Professional; Missouri Insurance Law: Key Rules for Personal Lines Producers
  • Flashcard decks: Missouri Personal Lines Exam & Insurance Law Quick Facts (free); Property Numbers & Concepts; Casualty Numbers & Concepts

A few checked facts worth knowing

  • HO-2 Broad Form The dwelling and other structures are insured on a named-perils basis. The HO-3 and HO-5 insure them against direct physical loss (open perils). (ISO HO 00 02 10 00, Sec. I, Perils Insured Against)
  • Businessowners Policy (BOP) Packages Section I property (with business income) and Section II liability. For most eligible risks: 35,000 square feet and $6,000,000 annual gross sales per location. Replacement cost is standard; business income loss within 12 consecutive months. (ISO BP 00 03 07 13; ISO BOP Program overview (Feb. 11, 2025))
  • Garage coverage Garagekeepers coverage addresses legal liability for a customer's auto in the shop's care. A customer using a covered auto is an insured only if no other insurance is available. (ISO CA 00 05 03 10, Sec. II-III)
  • When does an act listed in Missouri's unfair practices section amount to an unfair trade practice by an insurer? When done in conscious disregard of the law or as a general business practice. RSMo 375.934: an act defined in 375.936 is an unfair trade practice if committed in conscious disregard of sections 375.930 to 375.948 or their rules, or with such frequency as to indicate a general business practice. (RSMo 375.934)

What is free to preview

Items marked free above can be opened by anyone. The rest come with the track, along with its full practice-question bank. For the exam format and passing score, see our Missouri property and casualty insurance exam cheat sheet.

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