What the Kansas Property Line Covers
K.S.A. 40-4903 lists Property as its own qualification, separate from Casualty, and Kansas will license either alone. Note the exam catalogue's phrasing: Pearson VUE names it "Property and Allied Lines," and its sibling "Casualty and Allied Lines" — the "allied lines" wording appears throughout Kansas exam material and is worth recognising.
Kansas gives you three routes and they are priced very differently. Property alone is 12-KS-03 at $57. Property and Casualty together is 12-KS-06 — 140 scored questions in 150 minutes for $64. Or, if your business will be homes and personal auto rather than commercial risks, 12-KS-55 Personal Lines covers both sides in a single 100-question paper for $57.
The arithmetic favours deciding early. Two single-line exams cost $114 and three hours of testing; the combined paper costs $64 and two and a half. The $10 application fee is per application, not per line, so passing both and filing once costs the same $10 as filing for one.
One line arrives with the pair. Kansas requires an underlying property and casualty producer licence before you can add a surplus lines licence — so the standalone Property route closes that door until you finish Casualty too.
Exam Options & Format
KS Property and Allied Lines Producer, series 12-KS-03: 84 scored questions plus 5 unscored pretest items (89 presented), 1 hour 30 minutes, $57, passing at 70%.
Note the pretest count. The two life-side exams carry 11 pretest items; Property and Casualty carry 5. It makes a real difference to pace — 89 questions in 90 minutes is about 61 seconds each, the most comfortable rate of any Kansas producer exam.
The Kansas content outline gives this paper 20 questions on laws and rules common to all lines plus 7 on property-and-casualty rules — about 27 of 84, a lighter state block than the life-side exams carry (34) but still nearly a third of the paper. Kansas runs one integrated exam and one score; there is no separately graded state portion.
Every attempt is in person. Kansas insurance is absent from Pearson VUE's OnVUE program list, the July 2026 handbook never mentions remote proctoring, and KID directs candidates to test centers.
Retakes: 24 hours to rebook, then a seven-calendar-day wait before retesting, with no limit on attempts and a fresh $57 each time. Passing scores stay valid two years, and Kansas lets you file the licence application before or after you test.
Most Tested Topics on the Kansas Property Exam
The property-side Kansas questions cluster around how a policy can be ended, where a rejected risk goes, and what it takes to write outside the admitted market. From the TESTivity Kansas regulations curriculum, verified against the code:
| Concept | The Kansas rule |
|---|---|
| Cancellation notice — personal property | 30 days' written notice, and the authority is a regulation rather than a statute: K.A.R. 40-3-15 requires fire and casualty contracts to provide that "the insured will be notified in writing at least 30 days in advance of the effective date of cancellation" |
| What K.A.R. 40-3-15 excludes | Cancellation for nonpayment of premium, plus health and accident policies and crop-hail |
| Nonpayment and nonrenewal | KID's consumer guidance gives 10 days for nonpayment and 30 days before expiration for nonrenewal — note these come from standard policy language, not from a Kansas statute or regulation |
| Commercial risks are different | Property or casualty coverage "used primarily for business or professional needs" gets 60 days' written notice of nonrenewal or substitution — K.S.A. 40-2,120 and 40-2,121 |
| Not the cancellation statute | K.S.A. 40-2,112 governs adverse underwriting decisions — written reasons and refund of unearned premium — and is often miscited for cancellation. It is not |
| FAIR Plan | Kansas has one. K.S.A. 40-2142: "this act shall be known and may be cited as the fair access to insurance requirements plan act, or the FAIR plan act," enacted in 2017 |
| What it is called in practice | The Kansas All-Industry Placement Facility — a not-for-profit association formed by Kansas insurers to provide basic property and casualty insurance to applicants unable to obtain it voluntarily |
| FAIR Plan eligibility | Coverage must be declined by at least three insurance companies before applying |
| Surplus lines prerequisite | An underlying property and casualty producer licence; nonresidents must also hold a surplus lines licence in their home state. Fee $50 initial, $50 renewal |
| Surplus lines premium tax | 3% of gross premiums, less return premiums — K.S.A. 40-246c(a)(2), "commencing with the taxable year beginning January 1, 2024." The 6% figure in (a)(1) is superseded |
| Surplus lines filing | Affidavit and tax due on or before March 1 each year, plus a SLIP+ transaction fee of 0.175% of gross premiums. KID states there is no late renewal or grace period |
| Guaranty fund | The Kansas Insurance Guaranty Association — $300,000 per covered claim (K.S.A. 40-2906), with workers' compensation claims paid in full without the cap |
The cancellation rule is the highest-value item here, and it is unusual in where it lives. Most states put personal property cancellation in a statute. Kansas puts it in a regulation — K.A.R. 40-3-15, authorised by K.S.A. 40-103 — which requires every fire and casualty contract to carry a 30-day cancellation notice provision, and which expressly carves out nonpayment of premium. So the 30 days is real and citable; the familiar 10-day nonpayment figure is not in the regulation at all. If an exam item asks for the source of the 30 days, the answer is a K.A.R., not a K.S.A.
Then keep the commercial numbers separate. K.S.A. 40-2,120 and 40-2,121 apply only to property or casualty coverage "used primarily for business or professional needs" — and they run 60 days, double the personal figure. A question that names a commercial policy is asking for 60.
And know that Kansas does have a FAIR Plan, because a surprising amount of study material says otherwise. The FAIR Plan Act is recent — enacted in 2017 — which is likely why older material misses it; before that Kansas ran a different apportionment scheme, and K.S.A. 40-2101 now opens with "except as provided in K.S.A. 40-2142." The plan trades under the name Kansas All-Industry Placement Facility, and like the auto residual market it opens only after three declinations.
Kansas Test Centers and Scheduling — Where, When, and the 48-Hour Rule
Kansas is an in-person testing state. There is no OnVUE option: Kansas insurance does not appear on Pearson VUE's OnVUE program list, the July 2026 candidate handbook never mentions remote proctoring, and KID directs candidates to test centers. A Kansas-insurance OnVUE web address does still resolve, but it serves the ordinary Kansas landing page with no scheduling, no system test and no remote-testing requirements — an orphaned page rather than an offering.
Where you can test. The candidate handbook lists eleven locations by city — Hays, Overland Park, Topeka, Wichita, Emporia, Independence, Fort Riley, Pittsburg, Garden City and Salina in Kansas, plus Kansas City, Missouri. The handbook does not print street addresses, so use Pearson VUE's live seat finder rather than a list copied from anywhere: wsr.pearsonvue.com/testtaker/find/testcenter/KSINS. Centers open and close, and a list that is right today may not be right next spring.
You do not have to test in Kansas. KID says so directly: "applicants are not required to take Kansas licensing exams at a testing center located in Kansas." That matters more here than in most states — Kansas City, Missouri is on the handbook's own list, and a candidate in the far west or south of the state may find a closer seat across a border. Book on convenience, not on state lines.
Booking. Schedule online 24/7 through the Kansas registration portal at wsr.pearsonvue.com/testtaker/signin/SignInPage/KSINS, or by phone at 888-204-6255. Appointments may be made up to one calendar day before the date you want, subject to availability. Because Kansas requires no pre-licensing certificate and no state eligibility file, there is nothing to wait for — you can decide on Monday and test on Wednesday.
Each exam is its own booking and its own fee, so a candidate sitting Property and then Casualty books twice at $57 each. There is no combined booking discount, which is the practical argument for 12-KS-06.
Rescheduling and cancelling — 48 hours, by phone. The handbook requires at least 48 hours' notice, given by calling (888) 204-6255. With proper notice the fee may be transferred to a new date or refunded. Without it: "candidates who change or cancel their reservations without proper notice will forfeit the examination fee." Note the channel — this is a phone rule, not a web form.
Arrival: 30 minutes early. That is check-in time, not a courtesy margin — identification, photograph, storage of belongings and seating all happen inside it.
Bring two forms of identification. The handbook: "candidate must present two forms of current signature identification. The primary identification must be government-issued, photo-bearing with a signature and the secondary identification must contain a valid signature." Primary examples are a driver's licence, passport, military ID or green card; secondary examples are a Social Security card or a credit card. The Life & Health guide covers exam-day rules in full.
Leave everything else outside. The prohibited list is broad: "cellular phones, hand-held computers or other electronic devices, pagers, watches, wallets, purses, firearms or other weapons, hats, bags, coats, books, and/or notes, pens or pencils" — and separately "dictionaries, books, papers (including scratch paper), and reference materials are not permitted." Watches are on that list.
Accommodations under the ADA must be requested at least 10 days before your intended exam date, through KID rather than at the center.
When you finish, you leave with the result. The handbook: "the examination will end automatically when the examination time has expired, and candidates will leave the test center with their official scores in hand." Keep that report — your score is good for two years, and the Personal Lines guide covers what a failing report tells you and how the retake schedule works.
What It Costs
Property alone: $57 exam + $60 criminal background check + $10 application (2026) — about $127, plus NIPR's transaction fee. No course to buy.
Property and Casualty together: the combined 12-KS-06 is $64, so both lines cost about $134 all in — seven dollars more than one line, and $57 less than sitting the two singles.
Fingerprint capture is free at KID's Topeka office and at six Department of Children and Families locations; a Pearson VUE Professional Center charges $20. The $60 background check itself is unavoidable.
Anchor the application fee to the year — K.S.A. 40-4905 makes the Commissioner re-set it annually in the Kansas Register, capped at $30. It is $10 for 2026 and was $15 for 2025.
Adding surplus lines later: $50 initial and $50 renewal, on top of an underlying P&C licence — plus the 3% premium tax and the 0.175% SLIP+ transaction fee, both filed by 1 March.
Eligibility Requirements
Be at least 18, submit fingerprints for a state and national criminal history record check under K.S.A. 40-4905, hold a current Kansas Department of Revenue Certificate of Tax Clearance, and avoid the seventeen grounds in K.S.A. 40-4909.
There is no pre-licensing course and no designation waiver — K.S.A. 40-4908's six waiver situations turn on prior licensure, not credentials, so CPCU, CIC, CISR and CRM earn nothing here. The Accident & Health guide covers the waiver list; the Property & Casualty guide covers the reciprocity route for producers moving in.
The Life guide walks the NIPR application and the tax clearance; the Casualty guide walks fingerprinting.
Keeping the License Active
Important CE details: Kansas caps nothing by line for the major lines, but two limited lines carry their own minimums: crop-only producers need at least 2 CECs in crop courses and title-only producers at least 4 in title courses.
Biennial term ending the last day of your birth month, in odd years for an odd birth year and even years for an even one. CE is 18 hours per cycle with at least 3 in ethics — light by national standards — and the balance is at your discretion.
No carryover: KID states that "courses must be completed during the biennium to which they are to be applied," and K.A.R. 40-7-20a bars re-earning credit for the same course inside a biennium.
One structural note for property producers: surplus lines is a separate licence with its own annual cycle, renewing on its own schedule with no late renewal and no grace period — quite unlike the forgiving 90-day window on the producer licence itself. The Property & Casualty guide covers producer renewal mechanics and the CE-failure penalty.
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Official Links
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