What the Louisiana Property Line Covers
La. R.S. 22:1546 lists Property as one of fifteen lines of authority — homeowners, dwelling fire, commercial property, inland marine and the first-party coverages around them. It is issued by the Louisiana Department of Insurance, headed by an elected Commissioner of Insurance.
Louisiana gives you a genuine choice of route, which many states no longer do. You can sit Series 104 Property alone at 100 questions and $36, Series 105 Casualty alone on the same terms, or the combined Series 106 Property and Casualty at 150 questions and $58. The 106 is a separate, longer exam with its own content outline — not a bundle of the two singles. And Series 107 Personal Lines sits alongside as a narrower personal-risk credential.
The arithmetic favours the combined paper if both halves are plausible. Two singles cost $72 in exam fees plus a $75 amendment to add the second line to your licence — about $282.75 all in with fingerprints. The combined route costs $58 and one $75 licence — about $193.75. About $89 is not nothing, and there is no pre-licensing coursework on either path to complicate the comparison.
Above this line sits surplus lines, which in Louisiana requires an existing Property & Casualty or Accident & Health licence held for two years, and carries a $250 licence fee and a $350 renewal. The Accident & Health guide covers that path in full, including the diligent-effort duty that governs when you may go to the non-admitted market at all.
One thing this line will cost you that Life and Health producers escape: three hours of flood CE every cycle. Louisiana attaches its flood requirement to Property, Casualty and Personal Lines specifically — and given what the rest of this page is about, that is not an arbitrary choice.
Exam Options & Format
The Louisiana Property exam is PSI Series 104 — Louisiana Examination for Property Insurance: 100 questions in 120 minutes for $36. No pretest or unscored items are disclosed in the outline or the bulletin.
The passing standard is a raw 70%, stated twice over: the outline prints "Minimum Passing Score … 70% Correct", and La. R.S. 22:1545 provides that "the applicant shall pass the examination if he achieves a score of at least seventy percent." Most PSI states scale. Louisiana does not.
The combined alternative, Series 106, is 150 questions in 160 minutes for $58 — and note that figure, because it is a place where older versions of this page and several competitor sites are wrong. Series 106 is 160 minutes, not three hours, exactly like the Life & Health combined paper.
There is no remote option. "Effective 7/8/24 remote testing will no longer be offered as a testing option." If you find a page offering an online Louisiana insurance exam, it is more than two years stale — and the same page is probably wrong about the vendor too.
Retakes are unusually forgiving. No mandatory waiting period beyond the fact that scores must process overnight, and "there is no limit to the number of times you may take an examination." Each attempt is a fresh $36. The Personal Lines guide covers results and retakes in detail.
Most Tested Topics on the Louisiana Property Exam
Louisiana property law is organised around a single problem — insuring the most hurricane- and flood-exposed coastline in the country — and the exam follows it there. Each row is anchored in the Revised Statutes:
| Concept | The Louisiana rule |
|---|---|
| Rate regulation | File-and-use, 'deemed approved' — a rate filing takes effect unless the Commissioner objects within 30 days (R.S. 22:1451) |
| Credit information | Permitted but restricted — an insurer may not use income, gender, ZIP code, ethnicity, religion, marital status or nationality (R.S. 22:1504) |
| Residual market | Louisiana Citizens Property Insurance Corporation — the state-created insurer of last resort (R.S. 22:2291 et seq.) |
| What Citizens runs | The Coastal Plan and the FAIR Plan — Citizens absorbed both residual mechanisms |
| The 10% rule | Citizens' rates "shall exceed by at least ten percent" the higher of the actuarially justified rate or the highest rates charged by assessable insurers — computed in each PARISH (R.S. 22:2303) |
| Temporary rate cap | R.S. 22:2303(D)(1) caps Citizens rates in markets the Commissioner finds noncompetitive — only until 31 December 2027 |
| Depopulation | Citizens is directed to "facilitate the ability of policyholders to obtain property insurance from private insurers" — take-out rounds move policies back to the voluntary market |
| Insure Louisiana Incentive Program | Matching capital grants to insurers writing Louisiana property risk, created by Act 754 of 2022 and implemented by Regulation 125 |
| Dominant perils | Hurricane and flood above all |
| Fortified roofs | Insurers must give premium discounts for FORTIFIED designations, supported by LDI's Louisiana Fortify Homes grant programme |
The 10% rule is the single most-tested Louisiana property fact, and the part people miss is the last three words. Citizens must price at least ten per cent above the higher of its actuarially justified rate or the highest rate charged by the assessable insurers meeting the statutory market-share thresholds — and that comparison is made in each parish, not statewide. Louisiana Citizens says so of itself in plain terms: it "is the insurance of last resort and is state-mandated to be more costly than private property insurance companies." The design intent is the giveaway: Citizens is built to be unattractive, so that the voluntary market always undercuts it and policies flow back out. A question that describes Citizens as competitively priced has the policy backwards.
The second reliable point is the shape of rate regulation, and the number is 30. Louisiana is a file-and-use state operating on a deemed-approved basis: file the rate, and it takes effect unless the Commissioner objects within thirty days. Learn that as an active window rather than a passive one — the Commissioner's silence is the approval. Then pair it with the credit-information rule, which is a list of prohibited characteristics rather than a ban on credit scoring itself: income, gender, ZIP code, ethnicity, religion, marital status and nationality are all off the table, and the exam builds distractors out of the difference between restricting a factor and forbidding the practice.
Where You Actually Sit the Louisiana Exam
Louisiana is the exception to a rule this site normally follows. Most candidate handbooks decline to print test-center addresses and route you to a lookup tool instead, which is why we normally refuse to publish a list that will go stale. The PSI Louisiana bulletin prints its centers, so we reproduce them — with the caveat that you should still confirm against the current bulletin when you book.
The nine Louisiana sites, as printed in the 1/1/2025 bulletin:
| City | Test center |
|---|---|
| Baton Rouge | 10099 N. Reiger Rd, Baton Rouge, LA 70809 |
| Baton Rouge | Kocch Testing Centers of America, 6160 Perkins Rd, Suite 133, Baton Rouge, LA 70808 |
| Lafayette | Acadian Aviation Testing Center, 123 Grissom Road, Lafayette, LA 70508 |
| Sulphur | Safety Council of Southwest Louisiana – Sulphur Training Center, 3621 E. Napoleon St, Sulphur, LA 70663 |
| Metairie | 2750 Lake Villa Drive, NY II Bldg, Suite 202, Metairie, LA 70002 |
| Monroe | Pentecost Properties, Univ. of Louisiana – 401 Bayou Dr, Stubbs Hall, Rm 206, Monroe, LA 71209 |
| Pineville | Flightline Air Service, 200 Lake Buhlow Rd, Pineville, LA 71360 |
| Shreveport | 910 Pierremont Rd, Suite 216, Shreveport, LA 71106 |
| Shreveport | National Safety Council – ArkLaTex, 8100 Kingston Rd, Suite 107, Shreveport, LA 71108 |
Notice what that list tells you about Louisiana. Several of these are not dedicated testing companies at all — an aviation service in Lafayette, a flight line in Pineville, a safety council in Sulphur, a university hall in Monroe. PSI partners with local host sites across the state, which is how a state of Louisiana's geography gets nine locations. It also means capacity at any one site is small, so "subject to availability" does real work outside Baton Rouge and Shreveport.
Testing out of state is allowed — call PSI on (855) 579-4644 to book a seat at a PSI site outside Louisiana. Useful if you are relocating into the state, or if the Shreveport sites are full and Texarkana is closer.
Scheduling and payment. Register online at test-takers.psiexams.com/ladi or by phone; PSI's registration line runs Monday to Friday 6:30 am–9:00 pm and weekends 8:00 am–4:30 pm Central. Payment is by VISA, MasterCard, American Express or Discover.
The cancellation window is two days, and it is measured by when notice reaches PSI. The bulletin: "You may cancel and reschedule an examination appointment without forfeiting your fee if your cancellation notice is received 2 days before the scheduled examination date." You may reschedule online or by phone — both routes work, which is not true in every state. Miss the window and the $36 is gone; worse, La. R.S. 22:1545 makes a candidate who "fails to appear for the examination as scheduled" reapply and remit all fees and forms, exactly as if they had failed.
All PSI centers are ADA-equipped — the bulletin confirms they are "equipped to provide access in accordance with the Americans with Disabilities Act (ADA) of 1990, and exam accommodations will be made in meeting a candidate's needs." Arrange accommodations when you book, not on the day. The Life & Health guide covers check-in, the one-ID rule and the prohibited-items list.
What It Costs
$36 to PSI for Series 104, $60.75 to IdentoGO for fingerprints, $75 to LDI through NIPR — about $171.75, with no course cost because Louisiana requires no pre-licensing education.
The comparison that matters is with the combined route. Property plus Casualty as two singles is $72 in exams plus a $75 amendment — roughly $282.75 with fingerprints and the licence. The combined Series 106 is $58 and one licence — roughly $193.75. Taking the singles costs about $89 more for the same two lines of authority, and the only reason to do it is genuine certainty that you will never need the other half.
What repeats: every retake is another $36, with no waiting period. Renewal is $75 every two years, with a $50 late penalty. And note that a no-show is treated as a failure under R.S. 22:1545 — reapply, re-remit, re-pay.
Two Louisiana figures that sit outside this line's ordinary costs. Surplus Lines is $250 to licence and $350 to renew — the Accident & Health guide explains who qualifies. And the initial company appointment is $45, renewing at $35 yearly by 1 January, charged to the appointing insurer rather than to you.
Eligibility Requirements
Be at least 18, pass Series 104, file through NIPR with the signed background-check authorization, be fingerprinted when LDI instructs, and pay $75. No education requirement — LDI repealed Rule 9 effective 20 November 2022 under Act 273 of the 2022 Regular Session. The Life guide sets out the basis for that negative and the 2013 document that keeps contradicting it.
Fingerprinting comes after the application and is covered in full by the Casualty guide, including LDI's warning that prints taken early are not accepted.
No designation waives anything in Louisiana. CPCU, CIC, AAI, ARM and their relatives reduce neither the exam nor the CE requirement — R.S. 22:1551 is the only exam-exemption statute and it never mentions designations. The Property & Casualty guide covers the exemptions that do exist, all of which turn on prior licensure.
If surplus lines is a long-term ambition, a Property licence alone will not get you there. The bulletin requires a Property and Casualty producer credential — both halves — or an Accident & Health one, held for two years, before you may sit Series 112. Property on its own does not start that clock; adding Casualty does.
Keeping Your Louisiana Property License Active
Important CE details: 24 hours per two-year cycle including 3 hours of ethics AND — because this is a Property line — 3 hours of flood education. Up to 10 excess general hours carry over, but carried-over flood and ethics credits count only as general education in the next period and cannot satisfy that period's subject minimums.
Two years, renewed on the last day of your birth month for $75 through NIPR, with the portal opening 90 days before expiration and a $50 penalty for filing late. The March 31 even-or-odd rule you may see quoted applies to business entities, not to individual producers.
24 hours per cycle: 3 ethics, 3 flood, and 18 general. The flood requirement attaches to this line — LDI's footnote reads "insurance producers with the lines of property, casualty or personal lines must include three hours of education in flood" — and R.S. 22:1573 puts it in statute. Life-only and Health-only producers owe none, which is why those guides say so explicitly.
The flood requirement is not arbitrary, and it is worth knowing why it exists. Louisiana pairs it with a carrier-side duty: R.S. 22:1332 requires every homeowners policy to carry a prominent delivery disclosure covering flood and mould coverage and the availability of NFIP cover. The state made flood disclosure a carrier obligation and flood literacy a producer one, and the two are designed to work together — the Personal Lines guide sets out that disclosure in detail. Treat the three hours as the job, not as a box.
Carryover is capped at 10 excess general hours, and this is where Louisiana is subtle: carried-over flood and ethics credits count only as general education in the next period and cannot satisfy that period's subject minimums. So banking six flood hours this cycle does not buy you a flood-free next cycle. A course also "may not be repeated for credit unless a minimum of 24 months have passed between course completions."
Coming with July 2027 renewals: a 2-hour legislative-updates component joins the 24. Not yet in force.
Miss the CE and the licence lapses under LDI Rule 10, and cannot be reinstated until every hour that would have applied has been completed. Past two years from cancellation you re-take the exams. The Property & Casualty guide sets out the ladder.
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