What This License Is
The Arizona Property line of authority licenses you to sell coverage for direct physical loss to property — homeowners and dwelling fire, commercial property, inland marine, and similar first-party products. It is issued by the Arizona Department of Insurance and Financial Institutions (DIFI).
Property pairs naturally with casualty, and most Arizona producers take the combined P&C exam for that reason. The standalone property license fits niche roles: flood-focused agencies, inland-marine specialists, or producers joining a shop where someone else holds the casualty book. It is also one of the two lines (property or casualty) that qualifies you to pursue surplus lines broker authority later.
Exam Options & Format
The Property exam is Series 13-42 through PSI: 100 scored questions (plus 5–10 unscored pretest items), 2 hours, $50 per attempt, 70% to pass. Results display on screen at submission.
The combined Property & Casualty exam (Series 13-34) — 150 questions, 2 hours 30 minutes, $59 — earns both lines in one sitting. Unless your role is genuinely property-only, the extra $9 is the obvious buy; you can compare the single Casualty exam (Series 13-43, $42) on its own guide.
Exam fees are neither refundable nor transferable, but a paid fee is valid for a full year, and you can reschedule without losing it with at least 2 days' notice to PSI.
Most Tested Topics on the Arizona Property Exam
Arizona's property-side law is unusual in several ways the exam loves — most of all its rating system. From the TESTivity Arizona regulations curriculum, statute-verified:
| Concept | The Arizona rule |
|---|---|
| Rate regulation | Open competition — Arizona's biggest P&C surprise. Insurers file rates within 30 days AFTER they become effective; no prior approval, no waiting period |
| FAIR Plan | None. Arizona has no residual property market at all — the only statutory mechanism is voluntary apportionment agreements approved by the Director (ARS §20-395) |
| Dominant perils | Wildfire above all (DIFI calls it the state's predominant risk), plus monsoon wind and hail; flood is excluded from homeowners and handled through NFIP |
| Credit scoring | Permitted in personal-lines underwriting and rating, but regulated |
| Surplus lines prerequisite | Surplus lines broker authority requires an existing property or casualty producer license |
| Diligent effort | A documented search of the admitted market is required before placing surplus lines business |
| Surplus lines fee | $1,000 for surplus lines broker authority on a new license |
If you remember one thing: most states make insurers ask permission before using a rate; Arizona lets them file it a month after it's already in use. Exam questions that assume prior approval are testing whether you know Arizona is different.
The no-FAIR-Plan answer trips up candidates who studied national material, because wildfire states are exactly where you'd expect one. Arizona instead relies on the voluntary market plus surplus lines — which is also why the surplus-lines facts above sit in this exam's outline.
Where You'll Test: Every PSI Center in Arizona
PSI operates ten Arizona test centers, from Flagstaff to Yuma. All administer the full slate of insurance exams; seats are released on PSI's real-time scheduler, and metro-Phoenix sites book out fastest at month-end. As printed in the current PSI Candidate Information Bulletin:
| City | Location | Address |
|---|---|---|
| Flagstaff | Northern Arizona University, Du Bois Bldg 64, Rm 140 | 306 E. Pine Knoll Drive, Flagstaff, AZ 86011 |
| Parker | Down Town Event Center | 1009 W. Arizona Ave, Parker, AZ 85344 |
| Phoenix | PSI Test Center | 2345 E. Thomas Rd, Ste 385, Phoenix, AZ 85016 |
| Queen Creek | Rio Salado Community College | 21740 S. Ellsworth Rd, Queen Creek, AZ 85142 |
| Show Low | City of Show Low Library | 181 N. 9th St., Show Low, AZ 85901 |
| Somerton | McDermott's Let's Fly LLC | 3900 W. US Highway 95, Somerton, AZ 85350 |
| Surprise | Rio Salado Lifelong Learning Center | 12535 W. Smokey Drive, Surprise, AZ 85378 |
| Tempe | Mill Avenue Business Center, Ste 221 | 40 W. Baseline Road, Tempe, AZ 85283 |
| Tucson | PSI Test Center, Ste 176 | 310 S. Williams Street, Tucson, AZ 85711 |
| Yuma | Holiday Inn Yuma | 1901 E. 18th Street, Yuma, AZ 85365 |
Schedule online through the PSI Arizona portal or by phone at 877-215-7924 (weekdays 4:30am–7pm, weekends 8am–2:30pm MT). PSI also has centers throughout the country, and Arizona candidates may test out of state. If none of the ten works for you, Arizona insurance exams can also be taken online with a live remote proctor — the Health guide covers that option in detail.
What It Costs
About $201 all-in on a first-attempt pass: $50 PSI exam fee, $30.69 fingerprinting ($22.44 DPS/FBI + $8.25 Fieldprint), $120 DIFI application fee through NIPR. No pre-licensing course is required, so the only other cost is whatever study materials you choose.
Eligibility Requirements
Minimum age 18, with an Arizona principal residence or legitimate business presence (ARS §20-285). Fingerprint-based DPS and FBI checks are required with the application, and the background questions must be answered truthfully — disclosure with documentation beats discovery every time.
Keeping Your License Active
Important CE details: At least 6 of the 48 hours must be ethics. Producers who sell federal flood insurance must also complete a one-time 3-hour NFIP course, which counts toward the 48.
Arizona licenses renew every four years (last day of your birth month) with 48 CE hours including 6 of ethics. Property producers who sell federal flood insurance must complete the one-time 3-hour NFIP course by their first renewal — it counts toward the 48. Renewal mechanics live in the P&C guide; the process after passing (fingerprints, NIPR application) is stepped through in the Casualty and Life guides respectively.
Quick Reference
Official Links
Don't study generic. Study Arizona.
You've got the roadmap. Now get the Arizona-specific Property question bank, mock exams, and video course built by instructors with 20+ years teaching this material.