1892 questions · 32 timed exams
Free Insurance Adjuster Practice Tests
1892 original practice questions for adjuster licensing exams, each with an explanation and a reference to the policy form, statute or FEMA document it comes from. Pick your exam for state-specific questions and a timed simulation, or drill one topic at a time.
Practice by exam
TX examTexas All-Lines AdjusterFL examFlorida 6-20 All-Lines AdjusterAll statesClaims Adjuster (Property and Casualty)AK examAlaska Independent AdjusterAL examAlabama Independent AdjusterAR examArkansas AdjusterAZ examArizona AdjusterCA examCalifornia Insurance AdjusterCT examConnecticut All Lines Casualty AdjusterDE examDelaware Property AdjusterGA examGeorgia AdjusterHI examHawaii AdjusterIA examIowa Independent AdjusterID examIdaho Independent AdjusterIN examIndiana Independent AdjusterKY examKentucky AdjusterLA examLouisiana Property and Casualty AdjusterME examMaine Property and Casualty AdjusterMI examMichigan Independent AdjusterMN examMinnesota Property and Casualty AdjusterMS examMississippi Independent AdjusterMT examMontana Multi-Line AdjusterNC examNorth Carolina AdjusterNM examNew Mexico AdjusterNY examNew York Independent General AdjusterOK examOklahoma Property and Casualty AdjusterOR examOregon General Lines AdjusterSC examSouth Carolina Property, Casualty, Surety and Marine AdjusterUT examUtah AdjusterWA examWashington AdjusterWV examWest Virginia AdjusterWY examWyoming Property and Casualty Adjuster
Practice by topic
| Topic | Questions | Parts | Covers |
|---|---|---|---|
| Insurance Basics and Contract Law | 59 | 1 · 2 | risk, hazards, contract law, policy structure, insurer types and legal concepts |
| Claims Handling and Adjuster Ethics | 50 | 1 · 2 | the claim process, reservation of rights, appraisal, subrogation, fraud and unfair claims practices |
| Homeowners Insurance | 55 | 1 · 2 | HO-3 coverages A through F, special limits, perils, exclusions and loss settlement |
| Dwelling Policies and Inland Marine | 34 | 1 | DP-1, DP-2 and DP-3 dwelling forms, personal articles floaters, inland and ocean marine |
| Personal Auto Policy | 50 | 1 · 2 | PAP Parts A through F, covered autos, UM, collision versus other than collision and total losses |
| Commercial Auto, Garage and Aviation | 40 | 1 · 2 | the business auto form, covered auto symbols, garage and garagekeepers coverage, mechanical breakdown and aviation |
| Commercial Property and Business Income | 50 | 1 · 2 | the BPP form, causes of loss forms, coinsurance, business income, BOP and crime basics |
| General Liability and Negligence | 50 | 1 · 2 | negligence law, damages, the CGL policy, occurrence versus claims-made and umbrella coverage |
| Workers Compensation | 40 | 1 · 2 | exclusive remedy, compensability, benefit types, the WC and EL policy and federal programs |
| Flood Insurance (NFIP) | 40 | 1 · 2 | the SFIP dwelling form, limits, waiting periods, basement rules, proof of loss and appeals |
| Adjuster Math | 40 | 1 · 2 | coinsurance, depreciation, actual cash value, deductibles, other insurance and split limits |
| Texas Insurance Law for Adjusters | 105 | 1 · 2 · 3 · 4 | Texas adjuster licensing rules, prompt payment deadlines, unfair claim practices and TWIA |
| Florida Insurance Law for Adjusters | 120 | 1 · 2 · 3 · 4 · 5 | Florida adjuster licensing, the adjuster code of ethics, claim deadlines and public adjuster rules |
| Alaska Insurance Law for Adjusters | 40 | 1 · 2 | Alaska adjuster licensing rules, claim handling law and other state-specific rules |
| Alabama Insurance Law for Adjusters | 40 | 1 · 2 | Alabama adjuster licensing rules, claim handling law and other state-specific rules |
| Arkansas Insurance Law for Adjusters | 40 | 1 · 2 | Arkansas adjuster licensing rules, claim handling law and other state-specific rules |
| Arizona Insurance Law for Adjusters | 40 | 1 · 2 | Arizona adjuster licensing rules, claim handling law and other state-specific rules |
| California Insurance Law for Adjusters | 40 | 1 · 2 | California adjuster licensing rules, claim handling law and other state-specific rules |
| Connecticut Insurance Law for Adjusters | 40 | 1 · 2 | Connecticut adjuster licensing rules, claim handling law and other state-specific rules |
| Delaware Insurance Law for Adjusters | 40 | 1 · 2 | Delaware adjuster licensing rules, claim handling law and other state-specific rules |
| Georgia Insurance Law for Adjusters | 40 | 1 · 2 | Georgia adjuster licensing rules, claim handling law and other state-specific rules |
| Hawaii Insurance Law for Adjusters | 40 | 1 · 2 | Hawaii adjuster licensing rules, claim handling law and other state-specific rules |
| Iowa Insurance Law for Adjusters | 40 | 1 · 2 | Iowa adjuster licensing rules, claim handling law and other state-specific rules |
| Idaho Insurance Law for Adjusters | 40 | 1 · 2 | Idaho adjuster licensing rules, claim handling law and other state-specific rules |
| Indiana Insurance Law for Adjusters | 40 | 1 · 2 | Indiana adjuster licensing rules, claim handling law and other state-specific rules |
| Kentucky Insurance Law for Adjusters | 40 | 1 · 2 | Kentucky adjuster licensing rules, claim handling law and other state-specific rules |
| Louisiana Insurance Law for Adjusters | 39 | 1 · 2 | Louisiana adjuster licensing rules, claim handling law and other state-specific rules |
| Maine Insurance Law for Adjusters | 40 | 1 · 2 | Maine adjuster licensing rules, claim handling law and other state-specific rules |
| Michigan Insurance Law for Adjusters | 40 | 1 · 2 | Michigan adjuster licensing rules, claim handling law and other state-specific rules |
| Minnesota Insurance Law for Adjusters | 40 | 1 · 2 | Minnesota adjuster licensing rules, claim handling law and other state-specific rules |
| Mississippi Insurance Law for Adjusters | 40 | 1 · 2 | Mississippi adjuster licensing rules, claim handling law and other state-specific rules |
| Montana Insurance Law for Adjusters | 40 | 1 · 2 | Montana adjuster licensing rules, claim handling law and other state-specific rules |
| North Carolina Insurance Law for Adjusters | 40 | 1 · 2 | North Carolina adjuster licensing rules, claim handling law and other state-specific rules |
| New Mexico Insurance Law for Adjusters | 40 | 1 · 2 | New Mexico adjuster licensing rules, claim handling law and other state-specific rules |
| New York Insurance Law for Adjusters | 40 | 1 · 2 | New York adjuster licensing rules, claim handling law and other state-specific rules |
| Oklahoma Insurance Law for Adjusters | 40 | 1 · 2 | Oklahoma adjuster licensing rules, claim handling law and other state-specific rules |
| Oregon Insurance Law for Adjusters | 40 | 1 · 2 | Oregon adjuster licensing rules, claim handling law and other state-specific rules |
| South Carolina Insurance Law for Adjusters | 40 | 1 · 2 | South Carolina adjuster licensing rules, claim handling law and other state-specific rules |
| Utah Insurance Law for Adjusters | 40 | 1 · 2 | Utah adjuster licensing rules, claim handling law and other state-specific rules |
| Washington Insurance Law for Adjusters | 40 | 1 · 2 | Washington adjuster licensing rules, claim handling law and other state-specific rules |
| West Virginia Insurance Law for Adjusters | 40 | 1 · 2 | West Virginia adjuster licensing rules, claim handling law and other state-specific rules |
| Wyoming Insurance Law for Adjusters | 40 | 1 · 2 | Wyoming adjuster licensing rules, claim handling law and other state-specific rules |
Your progress
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How to study with these tests
- Learn the vocabulary first. Start with insurance basics and the flashcards; most wrong answers on licensing exams come from confusing two similar terms.
- Drill the big forms. Homeowners, personal auto and commercial property make up a large share of every all-lines exam.
- Do not skip state law. If your exam has a state section, it is usually where unprepared candidates lose the most points.
- Read every explanation, including on questions you got right. The explanation tells you why the tempting wrong answer is wrong.
- Finish with timed exams. Take two or three full-length practice exams and schedule the real one once you are above 80%.
Frequently asked questions
Are these real insurance adjuster exam questions?
No. Actual exam questions are confidential and copyrighted by the testing vendors, and sites that claim to sell them are usually reselling memorized or invented items. Every CoveragePrep question is original, written from the policy forms, statutes, FEMA documents and official content outlines that the real exams are built on.
How many questions are on an adjuster license exam?
It depends on the state. Most all-lines and property and casualty adjuster exams have between 50 and 150 scored questions with a time limit of one to two and a half hours, and most require a scaled score of 70 to pass. Each state guide on this site lists the official format for that state.
Which practice test should I start with?
If you are taking the Texas or Florida exam, start on that exam page: state law is the section most candidates underestimate. Otherwise begin with insurance basics and homeowners, the two most heavily tested topics, then take a timed exam to find your weak areas.
What score should I get on practice tests before scheduling the exam?
Aim for 80% or better on two or three different timed practice exams. That margin covers test-day nerves and the questions on the real exam that are worded differently from anything you studied.
Do I need to register or pay?
No. All practice tests, timed exams, flashcards and guides are free and need no account. Your progress is stored only in your own browser.