What This License Is
An Idaho Property license lets you sell coverage protecting homes, buildings, and personal property against loss — homeowners and dwelling property coverages, commercial property, inland marine, and flood in Idaho. It is issued by the Idaho Department of Insurance.
Licensing runs through the same process as every Idaho producer line — the difference is the focused Property exam.
Exam Options & Format
The Property exam is Property Producer (InsID-Prop0003; Spanish available): 80 total (68 scored: 50 general + 18 Idaho; 12 pretest) questions, 1 hr 45 min, $65 per attempt. Passing standard: Score reports are pass/fail; Idaho does not publish the cut score.
Idaho does not offer a combined exam for these lines — each line of authority is its own exam, so producers who want both simply take both exams.
Getting your Idaho Property & Casualty license
Idaho keeps the P&C path simple: no mandatory pre-licensing course, no seat-time requirement. Pass the required exams, clear a fingerprint background check, and apply through NIPR.
The structural piece: Idaho has no single 'Property & Casualty' exam. To carry both lines you take two separate exams - the Property exam and the Casualty exam. Both lines then sit on one producer license under one application.
So the full P&C path is: study -> pass the Property exam -> pass the Casualty exam -> get fingerprinted through Pearson VUE -> apply online at NIPR -> get licensed.
What the Property & Casualty exams actually cover
On the Property side, the General section is dominated by Types of Policies (homeowners HO-2 through HO-8, dwelling DP-1/2/3, commercial property, BOP, builders risk, inland marine, flood) and a large terms-and-concepts block (ACV vs. replacement cost, coinsurance, indemnity, perils, hazards, proximate cause). Then policy provisions and contract law.
On the Casualty side, the General section centers on Types of Policies, Bonds & Related Terms - commercial general liability (occurrence vs. claims-made), personal and commercial auto, workers' compensation and employers liability, crime, surety and fidelity bonds, professional liability, and umbrella/excess - plus the shared terms and policy-provisions blocks.
The Idaho State section shares the all-lines common block (Director's powers, definitions, licensing, marketing practices) and the P&C-common block (insurance-contract renewal/nonrenewal/cancellation, countersignature requirements, rate filings, the Idaho Property & Casualty Guaranty Association Act, binders). Property then adds the Standard Fire Policy, marine/inland marine, and NFIP; Casualty adds financial responsibility, UM/UIM, the mature-driver discount, the assigned risk plan, Idaho workers' compensation (Title 72), and comparative negligence.
From passing scores to an actual license
Idaho folds fingerprinting into the Pearson VUE system. Schedule an electronic fingerprint appointment (InsID-FPELC) right in your Pearson account - same-day fingerprinting may be available at the Boise, Pocatello, and Spokane locations - or use the hard-card option (InsID-FPHC). Don't mail cards or fees directly to the Department or Pearson. Your prints stay valid for six months.
Then apply online at NIPR and pay the $80 resident producer license fee. You must apply within 180 days of passing, and your exam results are valid for 180 days, so don't let either clock run out. You'll also submit your exam pass slip and a signed Criminal History Record Information (CHRI) release to the Department.
Because Idaho licenses by individual lines of authority in any combination, your Property and Casualty lines ride on a single producer license and a single $80 application - you're not paying per line. Passing the exam doesn't guarantee a license; the Department still reviews and approves your full application.
Costs, continuing education, and renewal
Budget roughly: $65 per exam ($130 for Property + Casualty), $65 for fingerprinting, and $80 for the license - about $275 all-in for the P&C path, assuming first-try passes.
Idaho licenses renew every two years by the last day of your birth month. Complete and post all CE before applying to renew - the Department won't process a renewal until your CE is on file (they recommend wrapping up 30+ days early).
Continuing education is 24 hours per two-year term, including at least 3 hours of ethics, in the lines you hold. Carry-forward of excess credits isn't the norm, so plan each cycle on its own.
Quick Reference
Official Links
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