Texas General Lines Property and Casualty

Source-backed preparation for the Texas General Lines Property and Casualty licensing exam.

145 questions
150 minutes
Exam code InsTC-PC06
Outline effective September 1, 2026

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What you get

The free sample is ten questions. This is the rest of it.

102 lessons: One for every objective on the outline, so nothing on the exam is missing and nothing extra is in the way.
6+ hours of audio lessons: A narrated course in 21 chapters that walks the whole outline, with a transcript for each. Study on the commute or anywhere a book is awkward. Hear a sample below.
780 practice questions: Each one explains why the wrong options are wrong, which is usually the more useful half.
322 flashcards: For the definitions and figures that have to be recalled rather than reasoned out.
Timed mock exams: Built to the published domain weighting, so a mock looks like the real paper rather than an even spread.

Listen to a sample

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Read the transcript
Almost everyone lives somewhere, and almost everyone worries about it burning down, flooding, or getting broken into. That's why homeowners insurance is the product you'll meet most often, on the exam and in real life. In this lesson you'll learn three things. First, the homeowners forms, HO-2, HO-3, HO-4, HO-5, HO-6, and HO-8. Second, the dwelling fire forms, DP-1, DP-2, and Dee P3, along with Coverages A through F in plain English.

Third, how to tell named perils from open perils, and where the older Texas HO-A and HO-B forms fit. Let's start with two big ideas before the forms. Before you meet the alphabet soup of form numbers, grab two ideas that unlock everything else. First, a peril is a cause of loss, like fire, wind, theft, or a burst pipe. You saw perils and hazards in the lesson on risk.

A policy can cover perils in two different ways. Named perils coverage protects you only against the causes of loss LISTED in the policy. Think of a restaurant menu. If the dish isn't listed, it isn't on the table. Open perils coverage protects you against EVERY cause of loss EXCEPT those the policy excludes.

Think of ordering "anything on the menu except the dishes with allergens. The insurer lists exclusions, and everything else is in. Many policies call this the special form. Second, homeowners policies are split into two sections. Section One covers property.

That's the house, the stuff in it, and living expenses. Section Two covers liability. That's what you owe if you hurt someone or damage their property. Keep those two sections in mind, and the coverage letters will sort themselves out. Now, the coverages, A through F.

Picture a homeowner's world as a small village. There's a main building. There's a shed out back. There's furniture inside. There's a hotel room if the house burns.

There's a legal shield against lawsuits. And there's a small fund for guests who get hurt. Those pieces are Coverages A through F. Let's start with Section One, property. Coverage A is the dwelling.

That's the house itself and attached structures, like an attached garage. This limit is the anchor. The other limits are usually set as percentages of it. Coverage B is other structures. Think detached buildings such as a fence, a shed, or a detached garage.

The typical default is ten percent of Coverage A. Coverage C is personal property. That's your belongings, like furniture, clothes, and electronics. The typical default is fifty percent of Coverage A. Coverage D is loss of use.

It pays extra living costs, like a hotel and restaurant meals, when a covered loss makes your home unlivable. The typical default is twenty percent of Coverage A. Now Section Two, liability. Coverage E is personal liability. It protects you if you're legally responsible for injuring someone or damaging their property, and it includes defense costs.

Policies written on Insurance Services Office forms, or ISO forms, commonly start at one hundred thousand dollars. Coverage F is medical payments to others. It's a small no-fault fund for guests who are hurt on your property. It's commonly one thousand dollars per person. Here's a quick tip.

The standard percentages for Coverages B, C, and D are ten, fifty, and twenty of Coverage A. Say "ten, fifty, twenty" until it sticks. So a two hundred thousand dollar dwelling limit usually means twenty thousand dollars for other structures, one hundred thousand dollars for contents, and forty thousand dollars for loss of use. Quick heads-up here. Those percentages are typical, not guaranteed.

ISO is the industry organization that writes standard forms. But Texas insurers file their own company forms, so numbers can differ. Treat these as the exam-style defaults, and check the actual policy in real life.

Where the 130 scored questions sit

Official outline #124401, effective September 1, 2026. Practice and mocks follow these numbers.

GK-ITypes of Policies22 scored questions
GK-IIInsurance Terms and Related Concepts15 scored questions
GK-IIIPolicy Provisions and Contract Law13 scored questions
GK-IVTypes of Policies, Bonds, and Related Terms23 scored questions
GK-VCasualty Insurance Terms and Related Concepts15 scored questions
GK-VIPolicy Provisions12 scored questions
TX-ITexas Statutes and Rules Common to Property and Casualty Insurance18 scored questions
TX-IITexas Statutes and Rules Pertinent to Property and Casualty Insurance12 scored questions

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What the exam itself looks like

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Questions: 145
Time limit: 150 minutes
Exam fee: $49
Exam code: InsTC-PC06

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