- The NJ-PC Property exam has 5 domains and 79 scored questions; Casualty has 5 domains and 91 scored questions.
- Types of Policies and common New Jersey law are tied as the largest Property domains at 31.6% each.
- Common New Jersey law is the single largest Casualty domain at 27.5% of scored content.
- Each exam is 3 hours 30 minutes, requires a 70% score, and costs $47 to sit.
Overview: How the NJ-PC Exams Are Structured
When people search for "NJ-PC," they're often looking for information about the New Jersey Property & Casualty Insurance Producer Exam - the licensing test administered on behalf of the New Jersey Department of Banking and Insurance. This exam isn't a single test. It's actually two separate, computer-based multiple-choice exams: one for Property and one for Casualty. Each has its own domain structure, question count, and content emphasis, which is exactly why understanding the ten domains covered in this guide matters so much before you schedule a seat.
The Property exam contains 79 scored questions spread across five domains. The Casualty exam contains 91 scored questions spread across a different set of five domains. PSI Services LLC, the administering vendor, may also insert 5 to 19 unscored experimental questions into either exam, meaning the total number of items you see on screen will be higher than the scored count - but those extra questions don't count for or against your score. Both exams give you 3 hours and 30 minutes to finish, and both require a 70% passing score to earn your license line.
If you're still getting oriented to the exam format overall, our NJ-PC Study Guide 2026 walks through the full preparation process, and the NJ-PC Passing Score guide breaks down exactly what 70% means in practice. This article focuses specifically on what's inside each of the ten domains and how to weight your study time accordingly.
Property Exam Domains 1-5
The Property exam is built around five content areas. Two of them - Types of Policies and common New Jersey law - are tied as the largest domains, each accounting for 31.6% of scored questions. That means nearly two-thirds of the Property exam sits inside just these two domains, making them the highest-leverage areas for study time.
Domain 1: Property - Types of Policies
This domain covers the structure and purpose of the major property insurance forms candidates will encounter in practice, including homeowners policies, dwelling policies, and commercial property forms. Expect questions that test your ability to distinguish between policy types based on covered perils, property types, and intended use.
- Recognizing which policy form applies to a given property scenario
- Differences between named-peril and open-peril (all-risk) coverage structures
- How commercial and personal lines property forms differ in scope
Domain 2: Property - Insurance Terms and Related Concepts
This domain tests foundational vocabulary and concepts that underpin every property policy: insurable interest, indemnity, replacement cost versus actual cash value, coinsurance, and valuation methods. Questions here often present a scenario and ask you to apply the correct term or concept.
- Insurable interest and how it's established
- Actual cash value vs. replacement cost calculations
- Coinsurance clauses and how underinsurance affects claim payouts
Domain 3: Property - Policy Provisions and Contract Law
This domain covers the legal backbone of property contracts: conditions, exclusions, endorsements, and the general principles of insurance contract law such as offer, acceptance, and consideration. Candidates need to know how standard provisions modify coverage.
- Common policy conditions (e.g., duties after loss, cancellation, renewal)
- How endorsements alter base policy language
- Contract law principles unique to insurance agreements
Domain 4: Property - New Jersey Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance
This is one of the two tied largest Property domains at 31.6%. It covers licensing rules, producer conduct standards, and regulatory requirements that apply across all lines of insurance in New Jersey - not just property. Because this content overlaps with the Casualty exam's largest domain, mastering it pays double dividends if you're pursuing a combined license.
- Producer licensing requirements and standards of conduct
- Unfair trade practices and penalties under New Jersey law
- General regulatory authority of the Department of Banking and Insurance
Domain 5: Property - New Jersey Laws, Rules, and Regulations Pertinent to Property Insurance Only
This domain narrows the focus to statutes and regulations specific to property insurance in New Jersey, such as cancellation and nonrenewal rules for property policies, FAIR Plan availability, and property-specific consumer protections.
- Cancellation and nonrenewal notice requirements for property policies
- New Jersey-specific property insurance consumer protections
- Availability programs for hard-to-place property risks
Key Takeaway
On the Property exam, Domains 1 and 4 together account for nearly a third of all scored questions each - study these two areas first and most thoroughly.
Casualty Exam Domains 6-10
The Casualty exam mirrors the Property exam's structure but with different weighting. Here, common New Jersey law is the single largest domain at 27.5% - the highest concentration of any individual domain across both exams.
Domain 6: Casualty - Types of Policies, Bonds, and Related Terms
This domain covers liability policy forms (general liability, auto liability, workers' compensation) as well as surety and fidelity bonds. Expect scenario-based questions asking you to match a coverage need to the correct policy or bond type.
- Personal auto, commercial auto, and general liability policy structures
- Workers' compensation coverage basics
- Distinctions between surety bonds and fidelity bonds
Domain 7: Casualty - Insurance Terms and Related Concepts
Similar to its Property counterpart, this domain tests core casualty vocabulary: negligence, liability limits, subrogation, and the different types of damages. Candidates should be comfortable applying these terms to liability claim scenarios.
- Negligence standards and defenses (comparative/contributory)
- Subrogation rights and how they function in claims
- Types of damages: compensatory, punitive, general, special
Domain 8: Casualty - Policy Provisions
This domain focuses on the standard provisions found in liability contracts, including conditions, exclusions, and endorsements that modify coverage for specific casualty risks.
- Standard liability policy conditions and exclusions
- How endorsements adjust liability coverage scope
- Duties owed by insureds after a liability loss
Domain 9: Casualty - New Jersey Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance
This domain is content-identical in spirit to Property Domain 4 - the shared regulatory framework covering producer licensing, ethical standards, and general Department of Banking and Insurance authority across all lines.
- Producer licensing and continuing education obligations
- Ethics standards applicable across all insurance lines
- Enforcement and penalty structures under state law
Domain 10: Casualty - New Jersey Laws, Rules, and Regulations Pertinent to Casualty Insurance Only
This is the largest single domain on either exam, at 27.5% of scored Casualty content. It covers New Jersey-specific casualty statutes, including auto insurance requirements, no-fault provisions, and cancellation rules unique to liability lines.
- New Jersey auto insurance mandates and no-fault framework
- Cancellation and nonrenewal rules specific to casualty policies
- State-specific consumer protections for liability insurance
Domain Weighting: Where the Points Actually Are
Not all domains deserve equal study time. Below is a simplified view of how the highest-weighted domains compare across both exams - useful for prioritizing review sessions when time is limited.
| Exam | Domain | Approx. Weight |
|---|---|---|
| Property | Types of Policies (Domain 1) | 31.6% |
| Property | Common NJ Law (Domain 4) | 31.6% |
| Property | Insurance Terms, Provisions, Property-Only Law (Domains 2, 3, 5 combined) | Remaining share |
| Casualty | Common NJ Law (Domain 10 is casualty-only; Domain 9 is common) | 27.5% (largest single domain) |
| Casualty | Types of Policies, Terms, Provisions, Casualty-Only Law (Domains 6-8, 10 combined) | Remaining share |
The pattern is clear: on both exams, New Jersey-specific and cross-line regulatory content carries outsized weight. Generic policy knowledge matters, but candidates who under-study the law-focused domains are leaving the largest point pools on the table. For a broader look at how this weighting translates into overall exam difficulty, see How Hard Is the NJ-PC Exam?
Mapping a Study Schedule to the Domains
Rather than studying domains in the order they're listed, it makes more sense to sequence your review around weight and overlap. Since Domains 4 and 9 share nearly identical "common law" content, tackling that material early gives you a foundation that pays off on both exams simultaneously.
Shared NJ Law Foundations
- Study Domain 4 / Domain 9 common regulatory content once, applying it to both exams
- Review producer licensing rules, ethics obligations, and enforcement authority
Property Core Content
- Deep-dive Domain 1 (Types of Policies) given its 31.6% weight
- Layer in Domain 2 terms and Domain 3 provisions as supporting context
Property-Only Law and Casualty Policy Types
- Finish Domain 5 (property-only NJ law)
- Begin Domain 6 (casualty policy types, bonds, and related terms)
Casualty-Specific Law and Full Review
- Concentrate on Domain 10 given its 27.5% weight - the single largest domain overall
- Run full-length practice sessions covering all ten domains
If you'd rather use a broader methodology tied to spaced review, our NJ-PC Study Guide covers pacing strategies in more depth. For a condensed, last-mile review across all ten domains, the NJ-PC Cheat Sheet is designed specifically for final-week review.
Registration, Fees, and Test-Day Mechanics
Before domain content even matters, candidates need to satisfy prelicensing requirements. New Jersey requires 20 hours of approved prelicensing education per line - so 40 hours total if you're pursuing combined Property and Casualty licensing - unless a waiver applies. Each exam costs $47 to sit, and resident applicants must complete fingerprinting as part of the licensing process.
Testing is available at PSI-affiliated test centers or through live online proctoring. If you choose the remote option, be aware that remotely proctored exams do not allow breaks during the 3-hour-30-minute session - a detail that matters when planning hydration, restroom timing, and mental pacing across ten domains' worth of questions. Scores are valid for one year, so if you're pursuing both Property and Casualty, plan your scheduling so neither result expires before you've completed licensing.
For a full breakdown of every fee and cost component involved in getting licensed, see the NJ-PC Certification Cost guide, and for eligibility specifics including education waivers and fingerprinting, review NJ-PC Requirements 2026. If you need help finding an open testing slot, the NJ-PC Exam Dates guide explains scheduling windows and deadlines in detail.
Who Hires NJ-PC Licensees
Passing both exams and securing a Property and Casualty producer license opens doors across New Jersey's insurance distribution channels. Independent agencies, captive insurance agencies, and brokerages hire licensed producers to sell homeowners, auto, commercial property, and general liability coverage. Insurance carriers themselves also hire licensed staff for inside sales, underwriting support, and customer service roles where holding an active producer license is a job requirement rather than a preference.
Because the domain content spans both personal and commercial lines - from Domain 1's policy types to Domain 6's bonds and liability forms - a single combined license qualifies candidates for a wider range of roles than a single-line license would. If you're evaluating whether the investment of time and the $47-per-exam fee is worthwhile relative to career opportunity, our ROI analysis and salary guide go deeper into that comparison. You can also browse practical entry points in NJ-PC Jobs.
Regardless of your path, practicing with realistic, domain-aligned questions before test day is one of the most effective ways to confirm you've internalized the material covered in all ten domains. You can start building that familiarity right now on our practice test platform, which mirrors the structure and pacing of the actual PSI-administered exam.
Frequently Asked Questions
There are ten domains total: five on the Property exam and five on the Casualty exam. Each exam is scored and administered separately, even though many candidates take both.
Types of Policies and common New Jersey law are tied as the largest Property domains, each representing 31.6% of scored questions.
Common New Jersey law is the largest Casualty domain, accounting for 27.5% of scored questions - the single highest weight of any domain on either exam.
No. PSI may add 5 to 19 unscored experimental questions per exam, but these do not count toward your score or affect the published domain weightings.
Yes, and it's efficient to do so, since Domains 4 and 9 cover nearly identical common New Jersey law content that applies to both exams simultaneously.