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Kentucky Personal Lines Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Business Entity Insurance Agent License — Personal Lines

A licensed entity exercises personal-lines authority through designated individual licensees.

Licensing authority: Kentucky Department of Insurance · Application information

Reactivation of an inactive business entity personal lines authority
No examination is required for this applicant pathway.
Designation
An active entity license whose personal-lines authority became inactive for lack of a designated individual must again maintain an appropriately licensed designee; if the entity license terminated for lack of any designee, apply again under the appropriate entity licensing route.

Official no-examination sources

Effective from 2026-09-22.

Business entity late renewal without interruption
No examination is required for this applicant pathway.
Renewal
Request and fees received within 60 days of expiration may be accepted without interruption with the statutory penalty.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity licensure without reciprocal eligibility
No examination is required for this applicant pathway.
Application
Submit Form 8301-BE and fees; disclose officers and directors; agents acting for the entity must hold agent licenses.
Eligibility
Nonresident entity not eligible under KRS 304.9-140 satisfies KRS 304.9-130(1).
Examinations
The entity is not the individual examined under KRS 304.9-160 and 806 KAR 9:025 Section 2; designated individuals obtain their own licenses.
Responsible agent
Designate a licensed agent responsible for compliance. Each active authority needs a designated licensed individual, and the first designee has an authority held by the entity.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit request, home-state or uniform business entity application and fees; satisfy KRS 304.9-440.
Designations
Designate a licensed agent responsible for compliance. Each active authority needs a designated licensed individual, and the first designee has an authority held by the entity.
Home license
Entity currently holds a resident producer license in good standing in its home state.
Reciprocity
Home state awards nonresident licenses to Kentucky residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Business entity relicensure after one revocation
No examination is required for this applicant pathway.
Application
Submit Form 8301-BE and fees; disclose officers and directors; agents acting for the entity must hold agent licenses.
Examinations
The entity is not the individual examined under KRS 304.9-160 and 806 KAR 9:025 Section 2; designated individuals obtain their own licenses.
Responsible agent
Designate a licensed agent responsible for compliance. Each active authority needs a designated licensed individual, and the first designee has an authority held by the entity.
Revocation
Wait at least one year and qualify anew; an entity revoked twice is ineligible.

Official no-examination sources

Effective from 2026-09-22.

Business entity biennial renewal
No examination is required for this applicant pathway.
Designations
Maintain the designated licensees and each active line under KRS 304.9-133(5).
Renewal
Renewal request and fee due March 31 in the odd/even cycle corresponding to issuance year; entity has no individual continuing education requirement.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Application
Submit Form 8301-BE and fees; disclose officers and directors; agents acting for the entity must hold agent licenses.
Examinations
The entity is not the individual examined under KRS 304.9-160 and 806 KAR 9:025 Section 2; designated individuals obtain their own licenses.
Responsible agent
Designate a licensed agent responsible for compliance. Each active authority needs a designated licensed individual, and the first designee has an authority held by the entity.

Official no-examination sources

Effective from 2026-09-22.

Individual Insurance Agent License — Personal Lines

Authority to sell property and casualty insurance to individuals and families for primarily noncommercial purposes.

Licensing authority: Kentucky Department of Insurance · Application information

Relicensure after unresolved continuing education delinquency
Property and casualty personal lines examination
Age
At least 18 years old.
Application
Submit Form 8301 or the prescribed electronic application, fees, complete background disclosures and supporting documentation. Kentucky home-state applicants supply the Kentucky Administrative Office of the Courts criminal background report; noncitizen resident applicants supply legal work authorization.
Appointment
Before acting for an insurer, comply with the appointment approval and 15-day filing provisions of KRS 304.9-270.
Conditional license
The commissioner may impose individualized license conditions under KRS 304.9-465 and KRS 304.9-440.
Continuing education
Delinquency unsatisfied for 12 months or longer: complete all licensing requirements under Subtitle 9 and 806 KAR 9:025. Any independently applicable statutory examination exemption remains available as its separate route.
Examination
Pass the personal-lines examination at 70%; submit application documents and fees before scheduling.
Financial responsibility
Maintain an insurer liability certificate with at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer surety bond, or the qualifying exclusive-agency insurer responsibility agreement under KRS 304.9-105(1)(f).
Fitness
Trustworthy, reliable, of good reputation, and not subject to grounds for denial under KRS 304.9-440.
Prelicensing
Complete 20 hours for the personal-lines authority unless a statutory exemption applies. Approved course completion is valid for one year.
Testing window
Department schedule permits unlimited attempts within the 120-day examination timeline; expiration is shown in eServices and the initial examination notice.
Reissue after continuing education termination within twelve months
No examination is required for this applicant pathway.
Continuing education
Satisfy delinquent CE, submit new application with required attachments, and pay applicable fees within 12 months of termination; the KRS 304.9-170(2) exemption applies to a similar Kentucky license lost for CE noncompliance.

Official no-examination sources

Effective from 2026-09-22.

Continuation solely to receive renewals or deferred commissions
No examination is required for this applicant pathway.
Activity restriction
Maintain license solely for renewals or deferred commissions and file supporting CE exemption affidavit; selling, soliciting, and negotiating is restricted.
Conditional license
License orders under KRS 304.9-465 may impose further individual conditions.
Renewal
Continue applicable renewal fees and procedures.

Official no-examination sources

Effective from 2026-09-22.

Reactivation after withdrawal of the continuing education exemption
No examination is required for this applicant pathway.
Continuing education
Complete the immediate preceding CE biennium, supply certification, and provide a signed statement withdrawing the affidavit; restrictions on selling, soliciting, and negotiating are removed.

Official no-examination sources

Effective from 2026-09-22.

Continuation subject to commissioner imposed license conditions
No examination is required for this applicant pathway.
Continuation
Maintain applicable renewal and qualifications; the order provisions name no separate examination.
Order
Comply with the commissioner's specific order under KRS 304.9-465(1) and (4), including conditions imposed for subsection (3) circumstances.

Official no-examination sources

Effective from 2026-09-22.

Agent licensure with an equivalent Kentucky consultant license
No examination is required for this applicant pathway.
Prior consultant
Currently licensed as a Kentucky consultant for the same authority, or so licensed within the preceding 12 months; prior license not revoked, suspended, or continuation refused except for failure to maintain financial responsibility under KRS 304.9-330.
Remaining qualifications
Satisfy the other applicable agent qualifications and application requirements; KRS 304.9-170 exempts prelicensing education and examination, not those qualifications.

Official no-examination sources

Effective from 2026-09-22.

Relicensure after Department of Insurance employment
No examination is required for this applicant pathway.
Employment
Surrendered the same authority license to accept Department employment; apply within 12 months of employment ending.
Remaining qualifications
Satisfy the other applicable agent qualifications and application requirements; KRS 304.9-170 exempts prelicensing education and examination, not those qualifications.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure with qualifying professional designation
Property and casualty personal lines examination
Age
At least 18 years old.
Application
Submit Form 8301 or the prescribed electronic application, fees, complete background disclosures and supporting documentation. Kentucky home-state applicants supply the Kentucky Administrative Office of the Courts criminal background report; noncitizen resident applicants supply legal work authorization.
Appointment
Before acting for an insurer, comply with the appointment approval and 15-day filing provisions of KRS 304.9-270.
Conditional license
The commissioner may impose individualized license conditions under KRS 304.9-465 and KRS 304.9-440.
Eligibility
Otherwise satisfy KRS 304.9-105 and do not qualify for an examination exemption.
Examination
Pass the personal-lines examination at 70%; submit application documents and fees before scheduling.
Financial responsibility
Maintain an insurer liability certificate with at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer surety bond, or the qualifying exclusive-agency insurer responsibility agreement under KRS 304.9-105(1)(f).
Fitness
Trustworthy, reliable, of good reputation, and not subject to grounds for denial under KRS 304.9-440.
Prelicensing
Hold CPCU, CIC, AAI, or ARM for the personal-lines prelicensing exemption under KRS 304.9-107(1). This exempts prelicensing study only; the licensing examination remains required.
Testing window
Department schedule permits unlimited attempts within the 120-day examination timeline; expiration is shown in eServices and the initial examination notice.
Initial licensure with an insurance degree
Property and casualty personal lines examination
Age
At least 18 years old.
Application
Submit Form 8301 or the prescribed electronic application, fees, complete background disclosures and supporting documentation. Kentucky home-state applicants supply the Kentucky Administrative Office of the Courts criminal background report; noncitizen resident applicants supply legal work authorization.
Appointment
Before acting for an insurer, comply with the appointment approval and 15-day filing provisions of KRS 304.9-270.
Conditional license
The commissioner may impose individualized license conditions under KRS 304.9-465 and KRS 304.9-440.
Eligibility
Otherwise satisfy KRS 304.9-105 and do not qualify for an examination exemption.
Examination
Pass the personal-lines examination at 70%; submit application documents and fees before scheduling.
Financial responsibility
Maintain an insurer liability certificate with at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer surety bond, or the qualifying exclusive-agency insurer responsibility agreement under KRS 304.9-105(1)(f).
Fitness
Trustworthy, reliable, of good reputation, and not subject to grounds for denial under KRS 304.9-440.
Prelicensing
Hold an insurance degree from an accredited college or university under KRS 304.9-107(1)(g). This exempts prelicensing study only; the licensing examination remains required.
Testing window
Department schedule permits unlimited attempts within the 120-day examination timeline; expiration is shown in eServices and the initial examination notice.
Reinstatement of an individual license lapsed for renewal nonpayment
No examination is required for this applicant pathway.
Remaining qualifications
Satisfy the other applicable agent qualifications and application requirements; KRS 304.9-170 exempts prelicensing education and examination, not those qualifications.
Renewal
Pay renewal fee within 12 months of its due date, with penalty of double the unpaid fee; reissued license has the same authority.

Official no-examination sources

Effective from 2026-09-22.

Relicensure after a license lapse exceeding twelve months
Property and casualty personal lines examination
Age
At least 18 years old.
Application
Submit Form 8301 or the prescribed electronic application, fees, complete background disclosures and supporting documentation. Kentucky home-state applicants supply the Kentucky Administrative Office of the Courts criminal background report; noncitizen resident applicants supply legal work authorization.
Appointment
Before acting for an insurer, comply with the appointment approval and 15-day filing provisions of KRS 304.9-270.
Conditional license
The commissioner may impose individualized license conditions under KRS 304.9-465 and KRS 304.9-440.
Examination
Pass the personal-lines examination at 70%; submit application documents and fees before scheduling.
Financial responsibility
Maintain an insurer liability certificate with at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer surety bond, or the qualifying exclusive-agency insurer responsibility agreement under KRS 304.9-105(1)(f).
Fitness
Trustworthy, reliable, of good reputation, and not subject to grounds for denial under KRS 304.9-440.
Lapse
The same-line prior-Kentucky-license exemption in KRS 304.9-170(2) and nonpayment reinstatement exemption in subsection (1) apply only within their twelve-month windows; applicants outside those windows qualify anew, unless another statutory exemption independently applies.
Prelicensing
Complete 20 hours for the personal-lines authority unless a statutory exemption applies. Approved course completion is valid for one year.
Testing window
Department schedule permits unlimited attempts within the 120-day examination timeline; expiration is shown in eServices and the initial examination notice.
Resident license after moving to Kentucky
No examination is required for this applicant pathway.
Prior residency
Licensed as a resident producer elsewhere within the last 12 months, moved to Kentucky, and applied within 90 days of establishing Kentucky legal residence for authority held within those 12 months.
Regulatory qualification
KRS 304.9-170(5) permits a contrary administrative regulation; 806 KAR 9:025 Section 1(1)(b) recognizes the statutory exemption.
Remaining qualifications
Satisfy the other applicable agent qualifications and application requirements; KRS 304.9-170 exempts prelicensing education and examination, not those qualifications.

Official no-examination sources

Effective from 2026-09-22.

Nonresident initial licensure without reciprocal eligibility
Property and casualty personal lines examination
Age
At least 18 years old.
Application
Submit Form 8301 or the prescribed electronic application, fees, complete background disclosures and supporting documentation. Kentucky home-state applicants supply the Kentucky Administrative Office of the Courts criminal background report; noncitizen resident applicants supply legal work authorization.
Appointment
Before acting for an insurer, comply with the appointment approval and 15-day filing provisions of KRS 304.9-270.
Conditional license
The commissioner may impose individualized license conditions under KRS 304.9-465 and KRS 304.9-440.
Examination
Pass the personal-lines examination at 70%; submit application documents and fees before scheduling.
Financial responsibility
Maintain an insurer liability certificate with at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer surety bond, or the qualifying exclusive-agency insurer responsibility agreement under KRS 304.9-105(1)(f).
Fitness
Trustworthy, reliable, of good reputation, and not subject to grounds for denial under KRS 304.9-440.
Prelicensing
Complete 20 hours for the personal-lines authority unless a statutory exemption applies. Approved course completion is valid for one year.
Residency
Nonresident not eligible for licensure under KRS 304.9-140, satisfying KRS 304.9-105; not eligible for an examination exemption.
Testing window
Department schedule permits unlimited attempts within the 120-day examination timeline; expiration is shown in eServices and the initial examination notice.
Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit the prescribed request and uniform application or home-state application, fees, and satisfy KRS 304.9-440.
Exemption
KRS 304.9-140(7) waives requirements other than subsection (1).
Home license
Hold a current resident license in good standing in the home state for the authority requested; maintain it while licensed in Kentucky.
Reciprocity
Home state grants Kentucky residents nonresident licenses on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial renewal
No examination is required for this applicant pathway.
Continuing education
Reciprocal nonresidents meeting home-state continuing education requirements are exempt under KRS 304.9-295(3)(c).
Home license
Maintain the applicable home-state license.
Renewal
Submit the individual biennial renewal request and fees.

Official no-examination sources

Effective from 2026-09-22.

Nonresident major authority corresponding to an unmatched home state limited line
No examination is required for this applicant pathway.
Home license
Applicant holds a home-state limited line that Kentucky does not offer; this route concerns an applicant granted the corresponding Kentucky personal-lines major authority.
Reciprocity
Meet KRS 304.9-140(1), including current resident licensure in good standing, reciprocity, application and fees.
Scope
Authority is confined to the extent permitted for that individual by the home-state limited license.

Official no-examination sources

Effective from 2026-09-22.

Relicensure after one revocation
Property and casualty personal lines examination
Age
At least 18 years old.
Application
Submit Form 8301 or the prescribed electronic application, fees, complete background disclosures and supporting documentation. Kentucky home-state applicants supply the Kentucky Administrative Office of the Courts criminal background report; noncitizen resident applicants supply legal work authorization.
Appointment
Before acting for an insurer, comply with the appointment approval and 15-day filing provisions of KRS 304.9-270.
Conditional license
The commissioner may impose individualized license conditions under KRS 304.9-465 and KRS 304.9-440.
Examination
Pass the personal-lines examination at 70%; submit application documents and fees before scheduling.
Financial responsibility
Maintain an insurer liability certificate with at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer surety bond, or the qualifying exclusive-agency insurer responsibility agreement under KRS 304.9-105(1)(f).
Fitness
Trustworthy, reliable, of good reputation, and not subject to grounds for denial under KRS 304.9-440.
Prelicensing
Complete 20 hours for the personal-lines authority unless a statutory exemption applies. Approved course completion is valid for one year.
Revocation
Wait at least one year after revocation and qualify anew; two revocations bar any license. The prior-Kentucky-license exemption does not apply to disqualifying revocation.
Testing window
Department schedule permits unlimited attempts within the 120-day examination timeline; expiration is shown in eServices and the initial examination notice.
Relicensure following a recent Kentucky license
No examination is required for this applicant pathway.
Prior license
Held a similar nontemporary Kentucky license for the authority within 12 months before application; no revocation or suspension except for continuing education noncompliance.
Remaining qualifications
Satisfy the other applicable agent qualifications and application requirements; KRS 304.9-170 exempts prelicensing education and examination, not those qualifications.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure with a current equivalent license elsewhere
No examination is required for this applicant pathway.
Prior license
Currently licensed in another state for the same lines of authority under KRS 304.9-170(4)(b)1.
Remaining qualifications
Satisfy the other applicable agent qualifications and application requirements; KRS 304.9-170 exempts prelicensing education and examination, not those qualifications.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure following recent equivalent license cancellation
No examination is required for this applicant pathway.
Prior license
Application received within 90 days of cancellation of the same authority; prior-state certification or NAIC records establish good standing at cancellation.
Remaining qualifications
Satisfy the other applicable agent qualifications and application requirements; KRS 304.9-170 exempts prelicensing education and examination, not those qualifications.

Official no-examination sources

Effective from 2026-09-22.

Renewal with a commissioner approved procedural waiver
No examination is required for this applicant pathway.
Waiver
Written request due to military service, long-term medical disability, or other extenuating circumstances; commissioner determines waiver of procedures or sanctions. An examination waiver request is an applicant condition; this section identifies no additional examination.

Official no-examination sources

Effective from 2026-09-22.

Late renewal accepted without interruption
No examination is required for this applicant pathway.
Renewal
Renewal request and fees received within 60 days after expiration may be accepted without interruption with the statutory penalty; complete CE by expiration and supply proof within 60 days.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination
Property and casualty personal lines examination
Age
At least 18 years old.
Application
Submit Form 8301 or the prescribed electronic application, fees, complete background disclosures and supporting documentation. Kentucky home-state applicants supply the Kentucky Administrative Office of the Courts criminal background report; noncitizen resident applicants supply legal work authorization.
Appointment
Before acting for an insurer, comply with the appointment approval and 15-day filing provisions of KRS 304.9-270.
Conditional license
The commissioner may impose individualized license conditions under KRS 304.9-465 and KRS 304.9-440.
Examination
Pass the personal-lines examination at 70%; submit application documents and fees before scheduling.
Financial responsibility
Maintain an insurer liability certificate with at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer surety bond, or the qualifying exclusive-agency insurer responsibility agreement under KRS 304.9-105(1)(f).
Fitness
Trustworthy, reliable, of good reputation, and not subject to grounds for denial under KRS 304.9-440.
Prelicensing
Complete 20 hours for the personal-lines authority unless a statutory exemption applies. Approved course completion is valid for one year.
Residency
Designate and maintain Kentucky as home state under KRS 304.9-120; not eligible for a KRS 304.9-170 examination exemption.
Testing window
Department schedule permits unlimited attempts within the 120-day examination timeline; expiration is shown in eServices and the initial examination notice.
Resident biennial renewal
No examination is required for this applicant pathway.
Continuing education
Complete 24 approved hours each biennium, including three ethics hours, subject to statutory exemptions; supply timely completion evidence.
Course examinations
KRS 304.9-295(6)(d) denies credit if a required course written examination is not passed; 806 KAR 9:025 Section 5(1)(g) requires an examination for self-study courses. No particular course examination is identified.
Renewal
Submit renewal request and fee by the last day of the birth month in the applicable odd/even birth-year cycle.

Official no-examination sources

Effective from 2026-09-22.

Temporary License as Agent

Temporary service of an existing personal-lines insurance business, limited to the replaced agent's kinds of insurance.

Licensing authority: Kentucky Department of Insurance · Application information

Member or employee of a licensed entity
No examination is required for this applicant pathway.
Application
Submit prescribed application information and fee.
Discretion
Commissioner must deem temporary service necessary; maximum 180 days.
Eligibility
Death or disability of the sole individual designated in the entity application or license.
Limitations
Only the replaced agent's kinds of insurance and insurers; no additional appointments; no controlled-business purpose or insurance on own or relatives' lives; ends on disposition of the business.
Sponsor
Commissioner may require a licensed agent or insurer sponsor and impose additional public-protection conditions.

Official no-examination sources

Effective from 2026-09-22.

Designee of an agent entering active military service
No examination is required for this applicant pathway.
Application
Submit prescribed application information and fee.
Discretion
Commissioner must deem temporary service necessary; maximum 180 days.
Eligibility
Licensed agent enters active service in the United States Armed Forces.
Limitations
Only the replaced agent's kinds of insurance and insurers; no additional appointments; no controlled-business purpose or insurance on own or relatives' lives; ends on disposition of the business.
Sponsor
Commissioner may require a licensed agent or insurer sponsor and impose additional public-protection conditions.

Official no-examination sources

Effective from 2026-09-22.

Commissioner public interest authorization
No examination is required for this applicant pathway.
Application
Submit prescribed application information and fee.
Discretion
Commissioner must deem temporary service necessary; maximum 180 days.
Eligibility
Commissioner determines the public interest is best served by temporary issuance.
Limitations
Only the replaced agent's kinds of insurance and insurers; no additional appointments; no controlled-business purpose or insurance on own or relatives' lives; ends on disposition of the business.
Sponsor
Commissioner may require a licensed agent or insurer sponsor and impose additional public-protection conditions.

Official no-examination sources

Effective from 2026-09-22.

Surviving spouse or court appointed personal representative
No examination is required for this applicant pathway.
Application
Submit prescribed application information and fee.
Discretion
Commissioner must deem temporary service necessary; maximum 180 days.
Eligibility
Spouse or court-appointed representative of an agent who dies or becomes mentally or physically disabled; service during sale, recovery, or replacement personnel training.
Limitations
Only the replaced agent's kinds of insurance and insurers; no additional appointments; no controlled-business purpose or insurance on own or relatives' lives; ends on disposition of the business.
Sponsor
Commissioner may require a licensed agent or insurer sponsor and impose additional public-protection conditions.

Official no-examination sources

Effective from 2026-09-22.

Property and casualty personal lines examination

Provider
Kentucky Department of Insurance
Format
Computerized written examination
Exam questions
50 questions
Passing score
70%
Examination outline
  • Principles of Insurance (8%)
    • Risk
    • Managing Risk
    • Law of Large Numbers
    • Elements of Insurability
    • Pure Risk, Speculative Risk
    • Insurable Interest
    • Other Elements of Insurability
    • Other Insurance Terms
    • Peril
    • Hazard
  • The Insurance Contract (6%)
    • Elements of a Valid Contract
    • Offer and Acceptance
    • Consideration
    • Characteristics of an Insurance Contract
    • Principle of Indemnity
    • Personal
    • Unilateral
    • Parts of the Insurance Contract
    • Policy Organization
  • Insurance Company Organization and Regulation (2%)
    • Types of Insurance Organizations
    • Stock and Mutual Companies
    • Lines of Insurance
    • Four Lines of Insurance
    • Insurance Company Organization
    • The Agent
    • Insurance Marketing Systems
    • Other Insurance Functions
    • Regulation
    • Regulation and the Company
    • Regulation and the Agent
  • The Insurance Transaction (8%)
    • Application
    • Binders
    • Underwriting the Policy
    • Fair Credit Reporting Act
    • Rating the Policy
    • Judgment and Manual Rating
    • Certificate of Insurance
    • Misrepresentation, Concealment, and Fraud
    • Representations and Warranties
    • Waiver and Estoppel
    • Cancellation and Nonrenewal
  • Introduction to Property Insurance (6%)
    • Declarations
    • Who is Insured
    • What Property is Covered and Where
    • How Much Property is Insured for
    • Insuring Agreement
    • Property Covered
    • Perils Insured Against
    • Exclusions and Limitations
    • Conditions
    • Duties Following Loss
    • Valuation
    • Coinsurance
    • Deductible
    • Salvage and Abandonment
    • Subrogation
    • Appraisal and Arbitration
    • Other insurance
    • Assignment
  • Introduction to Liability Insurance (6%)
    • Negligence
    • Definition
    • Establishing Negligence
    • Defenses Against Negligence
    • Contributory and Comparative Negligence
    • Absolute Liability
    • Vicarious Liability
    • Liability Insurance
    • Third Party Losses
    • Insuring Agreement
    • Exclusions
    • Conditions
  • Dwelling Insurance (8%)
    • The Dwelling Policy
    • Perils Insured Against
    • Other Coverages
    • Conditions
    • Basic Policy Coverages
    • Replacement Cost Coverage
    • Other Endorsements
  • Homeowners Insurance (18%)
    • The Homeowners Policy
    • Eligibility, Insureds
    • Extent and Scope of Homeowners Coverage
    • HO-3 - Special Form
    • HO-4 - Contents Broad Form
    • HO-6 - Unit-Owners Form
    • Section I - Property
    • Coverage C - Personal Property
    • Coverage D - Loss of Use
    • Additional Coverages
    • Perils Insured Against
    • Limits of Liability, Deductible
    • Section II - Liability
    • Coverage E - Personal Liability
    • Coverage F - Medical Payments to Others
    • Exclusions
    • Additional Coverages
    • Homeowners Endorsements
    • Section I Endorsements
    • Limited Fungi, Wet or Dry Rot, or Bacteria Coverage
  • Personal Auto Insurance (18%)
    • Definitions
    • Part A - Liability Coverage
    • Coverage
    • Who is an Insured
    • Supplementary Payments
    • Exclusions
    • Part B - Medical Payments Coverage
    • Exclusions
    • Part C - Uninsured Motorists Coverage
    • Definition of Uninsured Motor Vehicle
    • Exclusions
    • Other Insurance
    • Part D - Coverage for Damage to Your Auto
    • Coverage
    • Transportation Expenses
    • Exclusions
    • Other Provisions
    • Parts E and F - Conditions
    • Underinsured Motorists Coverage
    • Personal Auto Policy Endorsements
  • Miscellaneous Personal Insurance (12%)
    • Flood Insurance
    • Coverage
    • National Flood Insurance Program
    • Earthquake Insurance
    • Mobile Home Insurance
    • Personal Inland Marine Insurance
    • Personal Inland Marine Forms
    • Personal Watercraft Insurance
    • Boatowners and Outboard Motor and Boat Policies
    • Personal Yacht Policies
    • Personal Umbrella Insurance
    • Coverage for Excluded Losses
    • FAIR Plans
  • Insurance Code — Kentucky Law (8%)
    • Scope, General Definitions, and Provisions KRS 304.1
    • Definition of Property Insurance KRS 304.5-050
    • Agent Licensing
    • Definitions KRS 304.9-020 to 051
    • Licensing Requirements KRS 304.9-080 to 120
    • Change of Address KRS 304.9-200
    • License Renewal KRS 304.9-260
    • Continuing Education KRS 304.9-295
    • Record Retention KRS 304.9-390
    • Suspension or Revocation of License KRS 304.9-440
    • Reporting of Criminal or Administrative Actions KRS 304.9-467
    • Prohibited Practices in Replacement or Repair of Automobile Glass; Penalties KRS 304.9-470
    • Surplus Lines KRS 304.10
    • Unfair Practices, Advertising, Illegal Inducements KRS 304.12-010 to 110
    • Lender Insurance Requirements KRS 304.12-150
    • Unfair Claims Settlement Practices KRS 304.12-230
    • Auto Insurance Plan KRS 304.13-151
    • Insurance Contract KRS 304.14
    • Personal Auto Policies Declanation, Nonrenewal, and Cancellation KRS 304.20-040
    • Declination, Nonrenewal, and Cancellation KRS 304.20-300 to 350
    • Insurance Guaranty Fund KRS 304.36-030
    • Motor Vehicle Insurance No-Fault KRS 304.39
    • Insurance Fraud KRS 304.47-020
    • Conversion of Premium KRS 304.99-010
Examination sources