- 2026 Content Outline Overview
- Foundational Domains: Regulation, Concepts, and Basics
- Personal Lines Domains: Dwelling, Homeowners, and Auto
- Commercial Lines Domains: Property, Liability, and BOP
- Specialty Domains: Other P&C Coverages and Workers' Compensation
- Question Format and Exam Mechanics
- Registration, Fee, and Retake Rules
- Who Hires AZ P&C Producers
- Mapping a Study Plan to Domain Weight
- Frequently Asked Questions
- Property and Casualty Insurance Basics is the single largest domain at 19% of the exam.
- The exam has 150 scored questions plus 5-10 unscored items, with 2 hours 30 minutes to finish.
- Passing requires a 70% score on a closed-book test delivered by PSI as Series 13-34.
- Four of the 13 domains - Basics, General Insurance Concepts, Homeowners, and Personal Auto - together make up over half the exam.
2026 Content Outline Overview
The Arizona Examination for Property and Casualty Insurance Producer is built from a formal content outline published by PSI on behalf of the Arizona Department of Insurance and Financial Institutions. That outline breaks the exam into 13 distinct domains, each carrying a specific percentage of the 150 scored questions you'll answer. Understanding exactly how those percentages are distributed is the difference between studying broadly and studying strategically.
The version referenced throughout this guide is effective June 1, 2026. If you're prepping close to that date, confirm with PSI or your prep provider which outline version your scheduled test date will use, since minor language and weighting adjustments do happen between outline revisions.
If you haven't yet mapped out your overall preparation timeline, the AZ P&C Study Guide 2026 walks through a full first-attempt strategy. This article focuses specifically on what lives inside each of the 13 domains so you know exactly what to study once that timeline is in place.
Foundational Domains: Regulation, Concepts, and Basics
Four domains form the conceptual backbone of the exam. Together they account for 37% of scored questions, making them the highest-leverage section of your entire study plan.
Domain 1: Insurance Regulation (5%)
Covers how the Arizona Department of Insurance and Financial Institutions licenses, regulates, and disciplines producers operating in the state.
- Producer licensing categories, license renewal, and continuing education obligations
- Unfair trade practices, misrepresentation, and rebating rules
- Department authority to suspend, revoke, or fine a license
Domain 2: Federal Laws and Regulations (2%)
The smallest domain by weight, but it still requires precise recall of specific statutes.
- Federal fraud and privacy-related provisions affecting insurance producers
- Interaction between federal requirements and state-level regulation
Domain 3: General Insurance Concepts (11%)
Tests the vocabulary and mechanics that every later policy-specific domain assumes you already know.
- Insurable interest, indemnity, and the legal elements of an insurance contract
- Underwriting basics: risk selection, adverse selection, and rating factors
- Policy provisions such as endorsements, exclusions, and conditions
Domain 4: Property and Casualty Insurance Basics (19%)
The largest domain on the exam and the one that deserves the most calendar time in your prep.
- Perils, hazards, and the distinction between direct and consequential loss
- Property valuation methods, including actual cash value and replacement cost
- Liability fundamentals: negligence, defenses, and limits of liability
Key Takeaway
Master Domain 4 before moving into policy-specific domains - nearly every homeowners, dwelling, and auto question builds on the valuation and liability concepts introduced here.
Personal Lines Domains: Dwelling, Homeowners, and Auto
These three domains combine for 30% of the exam and represent the personal-lines side of P&C production - the policies most new Arizona producers will sell first.
Domain 5: Dwelling Policy Concepts (8%)
Focused on the DP-1, DP-2, and DP-3 forms and where they differ from homeowners coverage.
- Named-peril versus open-peril coverage structures
- Coverage forms for owner-occupied versus tenant-occupied dwellings
- Coinsurance and how it applies to dwelling valuation
Domain 6: Homeowners Policy Concepts (11%)
One of the four heaviest domains; expect detailed questions on form differences.
- HO-2 through HO-6 and HO-8 form distinctions and eligibility
- Section I property coverages versus Section II liability coverages
- Endorsements, exclusions, and loss settlement provisions
Domain 7: Personal Automobile Policy (11%)
Tests the PAP structure alongside Arizona-specific auto requirements.
- Liability, medical payments, uninsured/underinsured motorist, and physical damage coverages
- Who qualifies as an insured under Part A and Part D
- Policy exclusions and financial responsibility requirements
Because Homeowners and Personal Auto tie for the second-largest weighting on the exam, candidates who feel shaky on either should revisit the domain breakdown in the AZ P&C Cheat Sheet 2026 for a condensed comparison of form structures.
Commercial Lines Domains: Property, Liability, and BOP
Commercial coverage domains total 23% of the exam. These questions tend to be more scenario-based, asking you to identify which policy or endorsement applies to a described business situation.
Domain 8: Commercial Automobile Policy (4%)
A smaller domain, but one that still requires knowing how commercial auto departs from personal auto structure.
- Covered autos symbols and how they define what's insured
- Liability and physical damage coverage for business vehicles
Domain 9: Commercial Property Policies (9%)
Covers the building and personal property forms used by businesses.
- Causes of loss forms: basic, broad, and special
- Business income and extra expense coverage
- Coinsurance and reporting forms for fluctuating inventory
Domain 10: Commercial General Liability (9%)
Tests coverage triggers and the structure of the standard CGL form.
- Coverage A, B, and C distinctions and what each protects
- Occurrence versus claims-made trigger differences
- Common exclusions and additional insured endorsements
Domain 11: Businessowners Policy (5%)
Combines property and liability concepts into one packaged commercial form.
- Eligibility requirements for BOP coverage
- How BOP coverage compares to separately purchased commercial property and CGL policies
Specialty Domains: Other P&C Coverages and Workers' Compensation
The final two domains are the lightest by weight but still require targeted memorization since their content doesn't overlap heavily with earlier domains.
Domain 12: Other Types of Property and Casualty Insurance - Purpose and General Characteristics (3%)
A catch-all domain covering coverages outside the standard homeowners, auto, and commercial forms.
- Purpose and general characteristics of umbrella and excess liability policies
- Inland marine and other specialty property coverage concepts
Domain 13: Workers' Compensation Laws (3%)
Focuses on Arizona's workers' compensation framework rather than a specific policy form.
- Employer obligations and covered injuries under Arizona law
- Benefits structure and the relationship between workers' compensation and employer liability coverage
Because Domains 12 and 13 combine for only 6% of the exam, they're often the last two areas candidates review - but skipping them entirely is a common mistake documented in discussions of how hard the AZ P&C exam actually is.
| Domain | Weight |
|---|---|
| 1. Insurance Regulation | 5% |
| 2. Federal Laws and Regulations | 2% |
| 3. General Insurance Concepts | 11% |
| 4. Property and Casualty Insurance Basics | 19% |
| 5. Dwelling Policy Concepts | 8% |
| 6. Homeowners Policy Concepts | 11% |
| 7. Personal Automobile Policy | 11% |
| 8. Commercial Automobile Policy | 4% |
| 9. Commercial Property Policies | 9% |
| 10. Commercial General Liability | 9% |
| 11. Businessowners Policy | 5% |
| 12. Other P&C Insurance Types | 3% |
| 13. Workers' Compensation Laws | 3% |
Question Format and Exam Mechanics
All 150 scored questions are multiple-choice, delivered in a closed-book format. PSI also inserts 5 to 10 unscored experimental questions into the mix, which are indistinguishable from scored items - so there's no strategy in trying to guess which ones don't count. You get 2 hours 30 minutes to complete the full set, which averages out to roughly one minute per question once you account for the unscored items.
You can sit for the exam at a PSI test center or through live online proctoring, whichever fits your schedule better. Both formats present the identical Series 13-34 exam content and time limit.
A detailed breakdown of exactly what score you need and how scoring works is available in the AZ P&C Passing Score 2026 guide, but the short version is: you need 70% correct across the 150 scored questions to pass.
Registration, Fee, and Retake Rules
Arizona does not require prelicensing education before you sit for this exam, which is unusual compared to many other states. That said, resident applicants must complete electronic fingerprinting as part of the licensing process, separate from the exam itself.
The exam fee is $59, paid to PSI at the time of scheduling. If your first attempt doesn't go your way, Arizona allows up to four attempts within a 12-month period. If you fail a fourth time, you're required to wait a full year before attempting again - so it pays to treat each attempt seriously rather than treating the exam as a low-stakes trial run.
For a full cost comparison including fingerprinting and any prep materials you choose to use, see the AZ P&C Certification Cost 2026 breakdown. If you're still confirming basic eligibility before you even schedule, the AZ P&C Requirements 2026 guide covers that ground, and the AZ P&C Exam Dates 2026 article covers scheduling logistics in more depth.
Who Hires AZ P&C Producers
Holding an active Arizona property and casualty producer license opens the door to roles at independent insurance agencies, captive agency networks tied to a single carrier, and insurance carriers themselves in producer-support or service roles. Because the domain weighting leans heavily toward personal lines - Homeowners, Dwelling, and Personal Auto together make up 30% of the exam - most entry-level roles built around this license start with residential and personal auto business before expanding into the commercial lines covered in Domains 8 through 11.
If you're evaluating whether pursuing this license lines up with your career goals, the Is the AZ P&C Certification Worth It? analysis and the AZ P&C Salary Guide 2026 both dig into that question in more detail than fits here.
Mapping a Study Plan to Domain Weight
Rather than studying the 13 domains in the order they're listed, sequence your review by weight and by conceptual dependency. Start with the foundational domains since they underpin everything that follows, then move into personal lines, then commercial lines, and finish with the two lightweight specialty domains.
Foundational Domains (37% combined)
- Build vocabulary and mechanics from Domain 3 and Domain 4 first
- Layer in Domain 1 regulation rules and the narrow Domain 2 federal content
Personal Lines Domains (30% combined)
- Compare dwelling forms against homeowners forms side by side
- Drill Personal Automobile Policy parts A through F individually
Commercial Lines Domains (23% combined)
- Apply Domain 4's liability logic to Commercial General Liability scenarios
- Study BOP as a hybrid of Domains 9 and 10 rather than a standalone topic
Specialty Domains and Full Review
- Cover Domain 12 and Domain 13 in a single focused session
- Run full-length timed practice sets to simulate the 2 hour 30 minute limit
For candidates who want a more granular week-by-week breakdown with daily targets, the AZ P&C Study Guide 2026 expands on this framework. And once you've reviewed each domain, running scored practice questions on our practice test platform is the fastest way to see which of the 13 domains still needs another pass.
Frequently Asked Questions
There are 13 domains, ranging from Insurance Regulation at 5% to Property and Casualty Insurance Basics at 19%, the largest single domain.
Start with Domain 4, Property and Casualty Insurance Basics, and Domain 3, General Insurance Concepts. Both are heavily weighted and their content underpins the personal and commercial lines domains that follow.
No. Arizona does not require prelicensing education for this exam, though resident applicants must still complete electronic fingerprinting as part of licensing.
Questions are distributed proportionally to each domain's listed percentage across the 150 scored questions, so a 19% domain like Basics generates significantly more questions than a 2% domain like Federal Laws and Regulations.
Candidates may attempt the exam up to four times within a 12-month period. After a fourth failed attempt, you must wait one year before testing again.