How to get a Texas property and casualty license

CNo course hours, and the one exception

Texas sets no pre-licensing education for the general lines P&C license, so you can book the exam when you're ready. The 40 hours you may see quoted belong to the temporary license: a sponsoring insurer or agency requests it, and you complete 40 hours of the sponsor's training. Florida, Illinois, New Jersey, New York and Ohio require an approved course first; pre-licensing requirements by state has the hours and sources.

What to study

The 100 general items cover national P&C material: the insurance contract, property and liability basics, the personal and commercial policy forms. The 30 Texas items come from the state-law section of the Texas outline, effective September 1, 2026 (Pearson VUE outlines). The P&C practice test drills the general part; study the Texas section from the outline itself.

The Texas section is the part no national resource covers, so budget for it separately. Exam size in the other states we checked puts the 100/30 split in context.

Licensed in another state already

Then the exam may not be your route at all. A Texas non-resident license requires an active general lines property and casualty license in good standing in your home state (TDI). If your home state grants non-resident licenses to Texans on a reciprocal basis, the handbook says you are not required to take the exam and apply electronically instead (Pearson VUE Texas handbook); both checked October 8, 2026. The resident steps above are for people who live in Texas.

After the license

You sell for an insurer once it appoints you. To stay licensed you complete 24 hours of continuing education every two years, 3 of them ethics (Texas handbook); renewal rules by state compares that cycle with the other states we checked. The general sequence across states is on how to get a P&C license.