- Property has 102 questions (85 scored) and Casualty has 114 questions (95 scored), each in 2 hours 15 minutes.
- Scheduling both major-line exams the same day costs one $90 fee, and Spanish versions are available.
- Each exam splits into general-knowledge and Delaware-law portions; you can retake only the portion you fail, but both must pass within one year.
- Delaware requires zero prelicensing education, but resident applicants still complete state and federal criminal-history reporting.
Quick Facts Snapshot
Before you touch a single practice question, lock these mechanics into memory. They come directly from Pearson VUE's candidate handbook and the Delaware Department of Insurance's January 15, 2025 content outline - not from a generic P&C study guide.
| Detail | Property | Casualty |
|---|---|---|
| Total Questions | 102 | 114 |
| Scored Questions | 85 | 95 |
| Pretest (unscored) Questions | 17 | 19 |
| Time Allowed | 2 hours 15 minutes | 2 hours 15 minutes |
| Domain Count | Domains 1-7 | Domains 8-14 |
Notice that pretest questions are mixed in unlabeled - you won't know which of the 102 or 114 items count toward your score, so treat every question as if it matters. If you want the full breakdown of how these figures translate into a study plan, the DE-PC Study Guide 2026 walks through pacing week by week.
Property Exam Domains (1-7)
The Property exam's seven domains blend general insurance knowledge with Delaware-specific law. Percentages below are calculated from the official scored-item counts, so they reflect exactly how many of the 85 scored questions come from each area.
Domain 1: Types of Policies (25.9%)
The single largest slice of the Property exam. Expect questions on dwelling forms, homeowners policy structures, commercial property forms, and how coverage triggers differ across policy types.
- Know the distinctions between named-peril and open-peril forms
- Understand how endorsements modify base policies
Domain 2: Insurance Terms and Related Concepts (17.6%)
Foundational vocabulary and concepts - indemnity, insurable interest, valuation methods, and coinsurance mechanics all live here.
- Master actual cash value vs. replacement cost calculations
- Review coinsurance penalty formulas
Domain 3: Policy Provisions and Contract Law (15.3%)
Contract elements, conditions, exclusions, and cancellation/nonrenewal provisions specific to property contracts.
- Study the legal requirements for a valid insurance contract
- Know standard policy conditions like subrogation and pro rata liability
Domain 4: Delaware Statutes Pertinent to Life, A&H, Property, and Casualty (15.3%)
This shared domain appears on both exams and covers statutes that cut across all licensed lines, including producer licensing rules and unfair trade practices.
Domain 5: Delaware Statutes Common to Both Property and Casualty (5.9%)
Smaller weight but tested consistently - expect questions on claims-handling regulations and policy cancellation notice requirements common to both lines.
Domain 6: Delaware Statutes Pertinent to Property Only (5.9%)
Property-specific state rules, including any state-mandated policy provisions unique to dwelling and homeowners coverage in Delaware.
Domain 7: Insurance Ethics (14.1%)
Ethics carries real weight on the Property exam. Twelve scored questions from the state-law portion are dedicated to ethics on each exam, so this is not a filler topic.
For a deeper dive into every domain's subtopics and how examiners phrase questions, see the DE-PC Exam Domains 2026 guide.
Casualty Exam Domains (8-14)
The Casualty line mirrors Property's structure but swaps in liability, bonds, and casualty-specific statutes. Weights are calculated from the 95 scored questions.
| Domain | Topic | Weight |
|---|---|---|
| 8 | Types of Policies, Bonds, and Related Terms | 24.2% |
| 9 | Insurance Terms and Related Concepts | 15.8% |
| 10 | Policy Provisions | 12.6% |
| 11 | DE Statutes - Life, A&H, Property, and Casualty | 13.7% |
| 12 | DE Statutes Common to Both Property and Casualty | 5.3% |
| 13 | DE Statutes Pertinent to Casualty Only | 15.8% |
| 14 | Insurance Ethics | 12.6% |
Domain 8 (Types of Policies, Bonds, and Related Terms) deserves the most repetitions in your review sessions - it's nearly a quarter of the scored Casualty content and covers general liability, auto, workers' compensation, umbrella policies, and surety/fidelity bonds all in one bucket.
Registration, Fees, and Scheduling
Delaware's registration path is notably lean compared to many states because there is no prelicensing education requirement - you can schedule your exam as soon as you're ready to test.
- Same-day dual scheduling: Candidates sitting for both the Property and Casualty exams on the same day pay a single $90 fee rather than two separate fees.
- Spanish-language exams: Available for candidates who prefer to test in Spanish.
- Criminal-history reporting: Resident applicants must complete state and federal criminal-history reporting as part of the licensure process - this happens outside the testing center but is a mandatory step before you hold an active license.
- No CE required before testing: Continuing education obligations only begin once you're licensed and renewing (see below).
Full cost mechanics, including what changes if you retake a portion, are detailed in the DE-PC Certification Cost breakdown. If you're still confirming you meet baseline eligibility, cross-check the DE-PC Requirements guide before you book a seat through Pearson VUE.
The Two-Portion Pass Rule
This is one of the most misunderstood mechanics of the DE-PC exams. Each exam - Property and Casualty - is internally split into two portions:
- General-knowledge portion - covers the non-Delaware-specific domains (policy types, terms, provisions, contract law)
- Delaware-law portion - covers the state-statute and ethics domains
If you fail one portion but pass the other, you only need to retake the portion you failed - not the entire exam. However, both portions must be passed within one year of each other, or your passing portion expires and you must retest it too.
Key Takeaway
Don't let a passed portion "expire" by procrastinating on a retake. Schedule your retest for the failed portion within weeks, not months, to stay safely inside the one-year window.
If you want to know exactly how scores from each portion combine into a pass/fail result, the DE-PC Passing Score guide breaks down the scoring mechanics in detail.
Continuing Education Cheat Sheet
Passing the exam is the beginning, not the end, of your compliance obligations. Resident producers must complete:
- 24 continuing education hours per biennium - this is the total renewal requirement, not per line of authority.
- 3 ethics hours included within that 24-hour total.
- 2-hour flood course for any producer writing NFIP (National Flood Insurance Program) business, counted within the general-credit requirement rather than as an add-on.
Print this section out. Producers frequently confuse "24 hours total" with "24 hours per line," and that mistake causes avoidable renewal scrambles.
Which Domains to Prioritize Last
With 14 domains split across two exams, you can't give every topic equal time. Use the scored-item weights to triage your final review weeks.
Prioritize Domains 1, 2, and 7
- Types of Policies (25.9%) and Insurance Terms (17.6%) together make up over 43% of scored content
- Ethics (14.1%) is worth a dedicated review pass since it carries 12 scored questions in the state-law portion
Prioritize Domains 8, 9, and 13
- Types of Policies, Bonds, and Related Terms (24.2%) is the single biggest content block
- Domain 13 (Delaware casualty-only statutes) ties with Domain 9 at 15.8% - don't skip state-specific liability rules
Domains 5, 6, and 12
- Each sits at 5.3%-5.9%, the smallest weights on either exam
- Still worth one focused pass since these are pure-recall, state-specific facts
If you're unsure how difficult this weighting makes the overall exam relative to your background, the How Hard Is the DE-PC Exam guide compares domain density against typical candidate backgrounds. And if you want to see how real test-takers are performing against these domains, review the DE-PC Pass Rate data.
Who This Exam Serves
The DE-PC Property and Casualty exams exist to license producers who will sell homeowners, dwelling, commercial property, general liability, auto, workers' compensation, and bond products in Delaware. Agencies hiring newly licensed producers typically expect familiarity with both exam lines since many independent agencies write both property and casualty business under one roof. Because no prelicensing education is mandated, employers often lean on candidates' self-study discipline as a signal of readiness - a well-organized cheat sheet like this one is exactly the kind of prep material hiring agencies expect you to have built for yourself.
Run a final scheduling check against DE-PC Exam Dates 2026 to make sure your target test date leaves room for a retake within the one-year portion window discussed above, and confirm seat availability directly through the practice exam scheduling resources here.
Frequently Asked Questions
Property has 102 total questions (85 scored, 17 pretest). Casualty has 114 total questions (95 scored, 19 pretest). Both allow 2 hours 15 minutes.
No. Each exam is split into a general-knowledge portion and a Delaware-law portion. You only retake the portion you failed, but both portions must be passed within one year of each other.
Candidates scheduling both major-line exams on the same day pay one $90 fee instead of two separate exam fees.
No. Delaware requires no prelicensing education. Resident applicants do, however, complete state and federal criminal-history reporting as part of licensure.
Resident producers complete 24 continuing education hours per biennium, including 3 ethics hours. Producers writing NFIP flood business also need a 2-hour flood course counted within the general-credit requirement.