- Overview: How the Six Domains Fit Together
- Domain 1: Types of Policies
- Domain 2: Insurance Terms and Related Concepts
- Domain 3: Policy Provisions and Contract Law
- Domain 4: Hawaii Laws and Rules Common to All Lines
- Domain 5: Hawaii Laws and Rules Common to P&C Only
- Domain 6: Hawaii Laws and Rules for Property Insurance Only
- Exam Mechanics: Questions, Timing, and Scoring
- Mapping a Study Plan to the Domains
- FAQ
- The Property Producer exam has 93 questions (83 scored, 10 pretest) in 120 minutes with a scaled passing score of 70.
- Domain 4, Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance, is the largest section at 27.7%.
- Domain 1, Types of Policies, is the second-heaviest area at 26.5% and covers concrete policy forms.
- Domains 5 and 6 are narrow but law-heavy: 4.8% and 7.2% respectively, testing Hawaii-specific rules.
Overview: How the Six Domains Fit Together
The Hawaii Property and Casualty Insurance Producer Exam (HI-PC) is built around six content areas published in the state's official candidate outline, effective January 1, 2026. Hawaii tests Property and Casualty as separate licensing exams, and this guide focuses on the Property Producer exam, administered through Pearson VUE for the Hawaii Department of Commerce and Consumer Affairs, Insurance Division. If you're also prepping for the companion Casualty exam, most of the legal and structural material overlaps, but the policy-type content diverges.
Two of the six domains - Domain 1 (Types of Policies) and Domain 4 (Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance) - together account for more than half the scored content. That single fact should shape how you allocate study time. For a broader walkthrough of preparation strategy, see the HI-PC Study Guide 2026, and for a sense of how these domains translate into real difficulty, check How Hard Is the HI-PC Exam?
Domain 1: Types of Policies (26.5%)
This domain covers the actual insurance products a Hawaii property producer needs to understand - the forms, coverage triggers, and structural differences between policy types that a licensed producer will discuss with clients and carriers daily.
Types of Policies
Candidates must recognize how different property-related policy forms are structured and what each is designed to cover.
- Dwelling and homeowners policy forms and their coverage parts
- Named-peril versus open-peril (all-risk) coverage structures
- Commercial property forms and how they differ from personal lines forms
- Endorsements and how they modify a base policy
Because this domain is worth over a quarter of the scored exam, expect questions that require you to identify which form or endorsement applies to a specific fact pattern, not just define terms. Rote memorization of policy names without understanding how coverage triggers work will leave gaps here.
Domain 2: Insurance Terms and Related Concepts (18.1%)
This is the vocabulary and conceptual backbone of the exam. Every other domain assumes you already understand these terms, so weakness here compounds across the rest of the test.
Insurance Terms and Related Concepts
Foundational concepts that underpin how coverage, risk, and claims are described and calculated.
- Risk classification and the concept of insurable interest
- Underwriting terminology and rating factors
- Claims-related vocabulary: deductibles, limits, coinsurance
- Related concepts that tie property coverage to broader insurance principles
Because this domain is nearly one-fifth of the scored questions, treat it as a prerequisite layer. If a definition feels shaky, resolve it before moving to policy-specific material, since terminology questions can appear disguised inside scenario-based items from Domain 1 or Domain 3.
Domain 3: Policy Provisions and Contract Law (13.3%)
This domain shifts from "what is the policy" to "how does the contract legally function." Expect questions on the mechanics that govern how a policy is issued, interpreted, and enforced.
Policy Provisions and Contract Law
The legal framework underneath every property insurance contract.
- Elements required for a valid insurance contract
- Standard policy provisions and conditions
- Cancellation, nonrenewal, and reinstatement mechanics
- Warranties, representations, and concealment
Contract law questions tend to be logic-based rather than memorization-based - you're applying a rule to a scenario. If you find these harder than the vocabulary in Domain 2, that's normal; budget extra practice-question repetition here rather than passive review.
Domain 4: Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance (27.7%)
This is the single largest domain on the outline, and it is entirely state-specific. Generic P&C knowledge from another state's exam will not transfer cleanly here - this is Hawaii statutory and regulatory material tested across every line the state licenses.
Common Hawaii Laws and Rules
Statewide regulatory requirements that apply regardless of which line a producer sells.
- Producer licensing requirements administered by the Insurance Division
- Continuing education obligations, including the split between general and ethics/law credits
- Unfair trade practices and unfair claims settlement practices
- Penalties, license suspension, and disciplinary procedures
Because Domain 4 alone carries more weight than any other section, it deserves the first block of dedicated study time, not an afterthought squeezed in near test day. Pair your review of this section with the HI-PC Requirements guide to see how licensing prerequisites and this domain's content connect.
Domain 5: Hawaii Laws and Rules Common to Property and Casualty Insurance Only (4.8%)
This domain narrows the legal scope from "all lines" to rules that specifically govern property and casualty business in Hawaii, distinct from life or health regulation.
P&C-Specific Hawaii Rules
Regulatory provisions that apply only when property or casualty coverage is involved.
- Rate and form filing requirements specific to P&C lines
- P&C-specific licensing or appointment nuances
- Rules distinguishing P&C regulation from life/health regulation
At under 5% of the scored exam, this domain won't make or break your score on its own, but skipping it entirely is risky since every question matters against a passing score of 70 on the scaled scale. Treat it as a quick, high-efficiency review pass rather than a deep-dive topic.
Domain 6: Hawaii Laws and Rules Pertinent to Property Insurance Only (7.2%)
The most narrowly scoped domain, this section isolates rules that apply exclusively to property insurance - relevant precisely because you're sitting the Property Producer version of the exam rather than Casualty.
Property-Only Hawaii Rules
Regulations unique to how property insurance is written, filed, and regulated in Hawaii.
- Property-specific statutory requirements and disclosures
- Rules unique to hazard, dwelling, or property-line regulation in Hawaii
- Distinctions from the casualty-only rules covered on the companion exam
If you're studying for both Property and Casualty exams, this domain and its casualty counterpart on the companion test are the parts that don't overlap - plan separate review time for each rather than assuming one exam prepares you for the other's law-only sections.
Exam Mechanics: Questions, Timing, and Scoring
Beyond content, understanding the exam's format helps you pace your six-domain review realistically.
| Detail | Property Producer Exam |
|---|---|
| Total Questions | 93 (83 scored, 10 pretest) |
| Time Allowed | 120 minutes |
| Passing Score | 70 (scaled) |
| Exam Fee | $75 |
| Format | Closed-book, computer-based, multiple choice |
| Testing Options | Pearson VUE test center or OnVUE online |
Note that the 10 pretest questions are mixed in with scored items and are not identifiable during the exam, so every question deserves full attention. Candidates must be at least 18 years old, and Hawaii does not require a specific prelicensing education program before sitting the exam. Pearson VUE allows two exams to be taken in one test-center session, but this option is not available through OnVUE - relevant if you're also scheduling the companion Casualty exam. For a full pricing breakdown including fees beyond the exam itself, see HI-PC Certification Cost 2026, and for scheduling logistics, review HI-PC Exam Dates 2026.
Key Takeaway
With 83 scored questions and a passing score of 70 on the scaled scale, there's limited room for weakness in the heavily weighted domains. Prioritize Domain 4 and Domain 1 first, since together they represent more scored questions than the other four domains combined.
Mapping a Study Plan to the Domains
Rather than studying domains in the order they're listed, sequence your review by weight and by how much each domain depends on foundational vocabulary. Domain 2 terminology underlies everything else, so it belongs early even though it's not the heaviest domain.
Foundations
- Work through Domain 2 (Insurance Terms and Related Concepts) to lock in vocabulary
- Begin Domain 3 (Policy Provisions and Contract Law) alongside it, since both are conceptual
Highest-Weight Content
- Deep review of Domain 1 (Types of Policies), focused on distinguishing policy forms and endorsements
- Begin Domain 4 (Hawaii Laws and Rules Common to All Lines) - it's large enough to need more than one week
State Law Depth
- Finish Domain 4, especially CE and licensing rules
- Cover Domain 5 and Domain 6 together since both are narrow, Hawaii-specific rule sets
Full-Length Practice
- Run full 93-question timed simulations under the 120-minute limit
- Review missed items by domain to find remaining weak spots
This sequencing is generic time-management applied specifically to HI-PC's own weighting - it isn't a substitute for content mastery, so pair it with a domain-by-domain review like the one in the HI-PC Study Guide and a quick-reference tool like the HI-PC Cheat Sheet for final review.
If you're still deciding whether this license is worth pursuing given the time investment, the ROI analysis and salary guide lay out the practical upside of holding a Hawaii P&C producer license, and HI-PC Jobs covers who typically hires licensed producers. For readers still clarifying terminology, What Is HI-PC? and HI-PC Meaning cover the basics before you dive into domain-level study.
FAQ
Start with Domain 2 (Insurance Terms and Related Concepts) because its vocabulary underlies the other domains, then move into Domain 1 and Domain 4, which together carry the most scored questions.
The outline assigns percentages rather than fixed counts, but with 83 scored questions total, a domain weighted at 27.7% (Domain 4) represents roughly a quarter of the exam, while Domain 5 at 4.8% represents only a handful of questions.
They share the same general law-related domain structure, but Domain 1 (Types of Policies) and Domain 6 (property-only rules) differ in content focus from the Casualty exam's product and casualty-only law sections.
The domain structure and weightings referenced in this guide are effective January 1, 2026, per the published outline, so confirm you're studying the current version as your exam date approaches.
No - the passing score is a scaled score of 70, not a raw percentage. For a full explanation of how scaling works, see HI-PC Passing Score 2026.