- The Property exam has 93 total questions (83 scored, 10 pretest) in 120 minutes for $75.
- Domain 4, Hawaii Laws and Rules Common to Life, A&H, Property, Casualty and Personal Lines, is the single largest section at 27.7%.
- You need a scaled score of 70 to pass, and the outline is effective January 1, 2026.
- Testing happens through Pearson VUE test centers or OnVUE, but the two-exams-per-session rule only applies at a physical center.
What the HI-PC Property Exam Actually Tests
The Hawaii Property & Casualty Insurance Producer Exam, administered on behalf of the Hawaii Department of Commerce and Consumer Affairs Insurance Division by Pearson VUE, isn't a single monolithic test - it's actually two related but distinct exams. This site's primary reference point is the Property Producer exam: 93 total multiple-choice questions, of which 83 are scored and 10 are unscored pretest items you won't be able to identify during the test. You get 120 minutes to work through them, and the whole thing costs $75 to sit for. If you're still sorting out exactly what this credential covers before diving into prep, our overview on What Is HI-PC? is a good starting point.
Because 10 of the 93 questions are unscored pretest items mixed in without labels, you should treat every question on screen as if it counts - there's no way to skip the "practice" ones. That single fact should shape how you pace yourself: don't burn extra time trying to guess which questions are real.
Registration, Fees, and Test-Day Mechanics
Understanding the logistics before exam day removes a layer of stress that has nothing to do with insurance knowledge. The Property exam costs $75, and Pearson VUE gives you two ways to sit for it: at a physical Pearson VUE test center, or remotely through OnVUE online proctoring. There's an important distinction between the two - Pearson permits candidates to take two exams back-to-back in a single test-center session, but that convenience isn't available through OnVUE. If you're planning to sit for both Property and Casualty on the same day, you'll want to book an in-person appointment rather than a remote one.
Speaking of Casualty - it's a separate exam with its own fee, question count, and time allotment, which we break down in the comparison section below. For a full breakdown of what you'll spend across registration, materials, and licensing, see HI-PC Certification Cost 2026: Complete Pricing Breakdown. And if you want a plain-language rundown of who's eligible to sit for the exam in the first place, check HI-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Key Takeaway
If you intend to sit for both Property and Casualty in one visit, schedule an in-person Pearson VUE center appointment - OnVUE does not support the two-exam session rule.
Scheduling flexibility matters too. Pearson VUE test centers and OnVUE slots fill up around common renewal and hiring cycles, so it pays to lock in your appointment date early rather than scrambling the week before you want to be licensed. For a closer look at how testing windows and appointment availability typically work, see HI-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Breaking Down the Six Domains
The Property exam outline, effective January 1, 2026, organizes content into six domains. Two of them - the laws and rules sections - deal specifically with Hawaii statutes and regulatory requirements rather than general insurance theory, which surprises candidates who assume this is purely a product-knowledge test. For a full walkthrough of each domain's subtopics, our dedicated resource, HI-PC Exam Domains 2026: Complete Guide to All 6 Content Areas, goes deeper than we can here. Below is the high-level map.
Domain 1: Types of Policies (26.5%)
The second-largest domain on the exam. Expect questions covering the structure and purpose of different property and casualty policy forms.
- Distinguishing coverage types and what each policy is designed to insure
- Recognizing which policy form applies to a given scenario
Domain 2: Insurance Terms and Related Concepts (18.1%)
Foundational vocabulary and mechanics that underpin everything else on the test.
- Core terminology used across property and casualty lines
- Concepts like risk, indemnity, and insurable interest as they apply to real scenarios
Domain 3: Policy Provisions and Contract Law (13.3%)
Tests your understanding of how policies are legally constructed and enforced.
- Standard provisions found across property and casualty contracts
- Contract law principles that govern how policies are interpreted
Domain 4: Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance (27.7%)
The largest single domain on the exam by a clear margin, covering statewide regulatory requirements that apply across multiple insurance lines, not just property and casualty.
- Licensing requirements, producer conduct rules, and disciplinary standards
- Requirements that cut across life, health, property, casualty, and personal lines
Domain 5: Hawaii Laws and Rules Common to Property and Casualty Insurance Only (4.8%)
A narrower, more targeted set of rules specific to property and casualty producers.
- Regulatory provisions unique to P&C, not shared with life or health lines
Domain 6: Hawaii Laws and Rules Pertinent to Property Insurance Only (7.2%)
The most Property-specific regulatory content on the exam.
- Rules and requirements that apply exclusively to property insurance transactions in Hawaii
Notice that the published Property section counts account for 81 of the 83 scored questions on the exam - meaning almost the entire scored portion is mapped directly to these six domains. That's a useful sanity check when you're building a study plan: there's very little "surprise" content outside what's outlined here.
Property vs. Casualty: Know Which Exam You're Taking
Hawaii tests Property and Casualty as two separate exams, and it's easy to conflate their details when you're researching online. Here's how the two compare side by side.
| Detail | Property Exam | Casualty Exam |
|---|---|---|
| Fee | $75 | $75 |
| Total Questions | 93 | 103 |
| Scored Questions | 83 | 91 |
| Pretest (Unscored) Questions | 10 | 12 |
| Time Allotted | 120 minutes | 135 minutes |
| Delivery | Pearson VUE center or OnVUE | Pearson VUE center or OnVUE |
Both exams share the same $75 price point and the same Pearson VUE delivery options, but Casualty has more total questions and more time on the clock. If you're weighing how tough each one feels relative to the other, our detailed breakdown at How Hard Is the HI-PC Exam? Complete Difficulty Guide 2026 digs into the qualitative differences in content and pacing.
A Domain-Weighted Study Plan
Generic study advice - flashcards, timed drills, spaced review - only helps if it's pointed at the right material in the right order. Given that Domain 4 alone represents 27.7% of the scored Property exam and Domain 1 represents 26.5%, your calendar should reflect that imbalance rather than splitting time evenly across all six domains.
Types of Policies (Domain 1) + Terminology (Domain 2)
- Build a working vocabulary of policy forms and coverage structures before anything else
- Drill terminology flashcards daily since Domain 2 concepts reappear inside every other domain
Hawaii Laws and Rules Common to Multiple Lines (Domain 4)
- Spend the most hours here - it's the single largest scored domain on the exam
- Focus on licensing, producer conduct, and cross-line regulatory requirements
Contract Law (Domain 3) + the Two Narrower Hawaii Law Domains (5 & 6)
- Cover policy provisions and contract law principles
- Layer in P&C-only rules (Domain 5) and Property-only rules (Domain 6) since together they're still worth over 12%
Full-Length Practice and Review
- Take timed, 93-question practice sets to simulate the 120-minute format
- Review weak domains using a condensed reference like the HI-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts
You can run through full practice exams at HI-PC Exam Prep's practice test platform to get comfortable with the pacing before you commit to an actual Pearson VUE appointment.
Common First-Attempt Mistakes
Most candidates who don't pass on the first try aren't failing because the material is impossible - they're failing because of predictable, fixable errors in how they prepared.
- Treating all six domains equally. Spending the same number of hours on Domain 5 (4.8%) as Domain 4 (27.7%) is a poor use of limited study time.
- Skipping the Hawaii-specific law domains. Candidates with strong general insurance backgrounds sometimes assume the law sections will be easy and under-review them - but Domains 4, 5, and 6 combined make up nearly 40% of the scored exam.
- Not practicing under real time pressure. With 120 minutes for 93 questions, you have roughly 77 seconds per question on average. If you haven't practiced at that pace, the clock becomes an added stressor on test day.
- Confusing Property and Casualty content. Because the two exams share format similarities, some candidates study a blended mix instead of focusing on the specific exam they're scheduled to take.
- Underestimating the passing threshold. The scaled passing score is 70, and understanding what that scaled score actually represents can change how you interpret practice test results - see HI-PC Passing Score 2026: Exactly What You Need to Pass for the full explanation.
After You Pass: Licensing and Renewal
Passing the exam is the milestone, but it isn't the finish line. Once licensed, a P&C-only producer in Hawaii must complete 24 continuing education credits at renewal. Of those, 21 must be P&C-specific credits and 3 must cover ethics and/or Hawaii insurance law and rules. Building a habit of tracking CE hours from day one of licensure saves you from a last-minute scramble before your renewal deadline.
If you're also weighing what licensure actually opens up professionally - the kinds of roles that hire licensed P&C producers, and how compensation tends to be structured - our related guides on HI-PC Jobs and HI-PC Salary Guide 2026: Complete Earnings Analysis cover that ground. For candidates still deciding whether the time and cost investment makes sense for their career plans, Is the HI-PC Certification Worth It? Complete ROI Analysis 2026 walks through that decision more broadly.
Whichever stage you're at, running consistent practice sessions through a full-length HI-PC practice exam before your Pearson VUE appointment remains one of the most direct ways to confirm you're actually ready, rather than guessing based on how confident you feel reading a textbook.
Frequently Asked Questions
The Property exam has 93 total multiple-choice questions. Of those, 83 are scored and 10 are unscored pretest questions used to evaluate future exam content. Since you can't tell which questions are pretest items, treat every question as if it counts toward your score.
You need a scaled score of 70 to pass. This is a scaled score rather than a raw percentage of questions answered correctly, so the number of questions you need right isn't a simple 70% calculation. See our dedicated passing score guide for more detail.
No. Hawaii does not require a specific prelicensing education program to sit for the exam, though you must be at least 18 years old. Many candidates still choose structured study materials and practice tests to prepare, since the exam is closed book.
Yes, but only at a physical Pearson VUE test center. Pearson permits two exams in one test-center session, but that option is not available through OnVUE remote testing.
Domain 4, Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance, is the largest domain at 27.7% of the scored exam. Domain 1, Types of Policies, follows closely at 26.5%. Together they represent more than half the scored questions.