Pennsylvania licenses property and casualty insurance agents through state exams, and passvana has a practice track for each one: Pennsylvania Property and Casualty Insurance Exam (Series 16-06), Pennsylvania Property Insurance Exam (Series 16-04), Pennsylvania Casualty Insurance Exam (Series 16-05), Pennsylvania Personal Lines Insurance Exam (Series 16-16). Here is what each exam looks like, from the state's official exam documents.
Pennsylvania Property and Casualty Insurance Exam (Series 16-06)
- The exam: Series 16-06, Pennsylvania Producer's Examination for Property and Casualty Insurance: 150 items in 170 minutes, multiple choice, delivered by PSI for the Pennsylvania Insurance Department. It combines the content of the single-line Property and Casualty exams, and you must pass the overall exam to obtain a license in either line. (PSI outline Series 16-06 (eff. 3/1/2026), title page; PSI Pennsylvania Candidate Information Booklet (eff. 1/22/2026), Types of Licenses (combination examinations))
- Who takes it: Applicants who want both the Property and the Casualty lines of authority with one exam. Passing 16-06 qualifies for either the Property or the Casualty lines; the single-line exams are 16-04 (Property) and 16-05 (Casualty). (PSI Pennsylvania Candidate Information Booklet (eff. 1/22/2026), Types of Licenses (the license-to-exam table is extracted from the booklet PDF text))
- Passing score: A minimum score of 70%, which is 105 of 150 items. (PSI Pennsylvania Candidate Information Booklet (eff. 1/22/2026), Examination Content Outlines)
Pennsylvania Property Insurance Exam (Series 16-04)
- The exam: Series 16-04, Pennsylvania Producer's Examination for Property Insurance: 100 items in 120 minutes, multiple choice, delivered by PSI for the Pennsylvania Insurance Department. (PSI outline Series 16-04 (eff. 3/1/2026), title page; PSI Pennsylvania Candidate Information Booklet (eff. 1/22/2026), Examination Content Outlines)
- Who takes it: Applicants for the Property lines of authority: Fire and Allied Lines, and Inland Marine and Motor Vehicle Physical Damage. Either the Property exam (16-04) or the combined Property and Casualty exam (16-06) qualifies; Domestic Mutual Fire licenses are issued only to domestic mutual fire companies and need no exam. Casualty lines use 16-05 or 16-06; life, accident and health lines have their own exams. (PSI Pennsylvania Candidate Information Booklet (eff. 1/22/2026), Types of Licenses (the license-to-exam table is extracted from the booklet PDF text))
- Passing score: A minimum score of 70% (70 of 100 items). The same 70% mark applies to every Pennsylvania producer exam. (PSI Pennsylvania Candidate Information Booklet (eff. 1/22/2026), Examination Content Outlines)
Pennsylvania Casualty Insurance Exam (Series 16-05)
- The exam: Series 16-05, Pennsylvania Producer's Examination for Casualty Insurance: 100 items in 120 minutes, multiple choice, delivered by PSI for the Pennsylvania Insurance Department. (PSI outline Series 16-05 (eff. 3/1/2026), title page; PSI Pennsylvania Candidate Information Booklet (eff. 1/22/2026), Examination Content Outlines)
- Who takes it: Applicants for casualty lines of authority: Casualty and Allied Lines, Bonds (all classes), Liability other than Motor Vehicle, and Workers' Compensation. Either the Casualty exam (16-05) or the combined Property and Casualty exam (16-06) qualifies. Accident and health, property and life lines have their own exams. (PSI Pennsylvania Candidate Information Booklet (eff. 1/22/2026), Types of Licenses (the license-to-exam table is extracted from the booklet PDF text))
- Passing score: A minimum score of 70% (70 of 100 items), the same mark as every Pennsylvania producer exam. (PSI Pennsylvania Candidate Information Booklet (eff. 1/22/2026), Examination Content Outlines)
Pennsylvania Personal Lines Insurance Exam (Series 16-16)
- The exam: Pennsylvania Personal Lines Insurance Exam (Series 16-16), given by PSI for the state. The Personal Lines license covers insurance sold to individuals and families: homeowners, dwelling, personal auto, umbrella and the like, not commercial lines or workers' compensation. (PSI Pennsylvania Insurance Candidate Information Bulletin (eff. 1/22/2026; outlines eff. 3/1/2026))
- Questions: 100 scored questions. (PSI Pennsylvania Insurance Candidate Information Bulletin (eff. 1/22/2026; outlines eff. 3/1/2026))
- Time: 2 hours. (PSI Pennsylvania Insurance Candidate Information Bulletin (eff. 1/22/2026; outlines eff. 3/1/2026))
- Passing score: 70% of questions correct (70 of 100). (PSI Pennsylvania Insurance Candidate Information Bulletin (eff. 1/22/2026; outlines eff. 3/1/2026))
How to pass on your first try
- Know the standard policies section by section. Homeowners, personal auto and commercial coverages are tested as what each part of the policy covers, excludes and requires after a loss.
- Do not skip the state insurance code. Licensing, producer duties, ethics and cancellation rules are specific to Pennsylvania and scored like the rest of the exam.
- Learn notice periods and limits as numbers. Cancellation and nonrenewal notice periods and minimum limits come up as exact figures.
- Take full timed mock exams before test day, so the length and pace of the real exam hold no surprises.
Free practice questions
Each track page has free sample questions and a topic breakdown matched to the official outline: Pennsylvania Property and Casualty Insurance Exam (Series 16-06), Pennsylvania Property Insurance Exam (Series 16-04), Pennsylvania Casualty Insurance Exam (Series 16-05), Pennsylvania Personal Lines Insurance Exam (Series 16-16). The Resources tab on each track also has quick-reference tables built from checked facts; see what is in the Pennsylvania Property & Casualty Insurance Key Facts Digest.