The Texas Personal Lines Property and Casualty license
Personal Lines Property and Casualty
Sells personal property and casualty cover in Texas, the home and motor half of the general lines property and casualty license. Texas requires no pre-licensing course for it, and the examination is waived for a Chartered Property and Casualty Underwriter.
Course
None
This license has no pre-licensing course route.
Ways in
4
3 of them skip the state exam.
Exam
Not confirmed
Required on some routes and not others.
Every way to qualify
More than one route leads to this license, and which one you take changes what you study and whether you sit the exam. There is no pre-licensing course among them: this license is qualified for by sitting the examination, a designation already held, a license held in another state or a license already held.
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Route 1 Pass the examination
State exam required
TDI's page starts at the examination and asks for no pre-licensing course. A sourced zero rather than a line nobody has read. A one-time 180-day temporary license is offered for this license and is issued once and never renewed. Its 40 hours of training are given by the appointing company under Tex. Ins. Code 4001.160(a), which is a duty on the employer rather than on the applicant, and the temporary holder still has to pass the examination inside the 180 days to keep the license.
Read at the Department on 2026-08-17
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Route 2 Hold the Chartered Property and Casualty Underwriter designation
Exempt from the state exam
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CPCU Chartered Property and Casualty Underwriter, from The Institutes
TDI lists the designation as a reason no examination is needed. It is the same waiver the general lines property and casualty license carries, and the limited lines license beside it carries none.
Read at the Department on 2026-08-17
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Route 3 Hold the same license in a reciprocal state
Exempt from the state exam
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a personal lines property and casualty license in good standing in a reciprocal state
TDI's page waives the examination for a non-resident who holds the license in good standing in a reciprocal state. It is a waiver of the examination and not of the application: the fee, the fingerprints and the Sircon filing all stand.
Read at the Department on 2026-08-17
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Route 4 Reinstate a license that expired between 90 days and a year ago
Exempt from the state exam
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a Texas personal lines property and casualty license that expired more than 90 days and less than one year ago
TDI lists an expired license among the reasons no examination is needed, and it is bounded at both ends: inside the first 90 days the renewal process is used instead, and after a year the examination comes back. So this route begins where renewal stops.
Read at the Department on 2026-08-17
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Courses
You do not have to buy any of this. The Texas Department of Insurance asks for no pre-licensing course, so nothing below is required of you. They are exam prep, priced here so you can see what they cost.
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A.D. Banker & Company
Exam practice. No course is required, so this is what to study.
$169.95 to $296.85
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TX Personal Lines, SILVER
Online Course read 2026-08-22
$169.95
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TX Personal Lines, GOLD
Online Course · Flash Cards read 2026-08-22
$196.90
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TX Personal Lines, PLATINUM
Online Course · Flash Cards · Web Class Subscription read 2026-08-22
$296.85
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Kaplan Financial Education
Exam practice. No course is required, so this is what to study.
$289.00
See 1 option Hide ▾-
Premium (Live Online) - Personal Lines
Instructor-Led Class · InstructorLink · Study Plan · Video & Audio Review · InsurancePro QBank · Student Community · Checkpoint Exams · Performance Tracker · Pre-Study Assessment read 2026-08-22
$289.00
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ExamFX
Exam practice. No course is required, so this is what to study.
$169.95 to $299.95
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Texas Personal Lines - Self-Study Package
60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support read 2026-08-22
$169.95
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Texas Personal Lines - Video Study Package
60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22
$219.95
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Texas Personal Lines - Live Online Study Package
Live Online Webinar · Note-Taking Notebook · 60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22
$299.95
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WebCE
Exam practice. No course is required, so this is what to study.
$109.95 to $159.95
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TX Personal Lines Agent Exam Prep Complete Package
$109.95
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TX Personal Lines Agent Exam Prep Plus Complete Package
$159.95
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XCEL Solutions
Exam practice. No course is required, so this is what to study.
$199.00 to $299.00
See 2 options Hide ▾-
Texas Personal Lines Pre-licensing
$199.00
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Texas Personal Lines Pre-licensing Premier
$299.00
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Mometrix
Exam practice. No course is required, so this is what to study.
$59.99/month
See 1 option Hide ▾-
Property and Casualty Exam Prep Course
$59.99/month
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