The Nebraska Property Producer License
Property is examined as series 13-22 - 100 scored questions in two hours for $43 - and Nebraska gives you two other ways to reach broadly the same market. Series 13-04 combines Property and Casualty into a single 150-question paper for $47, and series 13-21 covers Personal Lines, a narrower noncommercial authority, at the same 100 questions and $43 as the single lines.
That is a genuine three-way choice, and Nebraska is one of the states where it is worth thinking about. Sitting Property and Casualty separately costs $86 and four hours for 200 scored questions; the combined paper costs $47 and two and a half hours for 150. Personal Lines is neither - it is a different, narrower line of authority rather than a cheaper route to the same one.
This guide owns the test-centre and exam-day material for every Nebraska line, because those rules do not vary by paper. It is also where the property-specific law lives: a cancellation statute that treats personal and commercial risks identically, a standard fire policy with an escape hatch, and a valued policy law that reaches five perils rather than one.
How the Nebraska Property Exam Is Built
| Scored | Unscored | Time | Fee | |
|---|---|---|---|---|
| Property, series 13-22 | 100 | 5 | 2 hours | $43 |
| Casualty, series 13-23 | 100 | 5 | 2 hours | $43 |
| Property & Casualty, series 13-04 | 150 | 5 | 2 hr 30 min | $47 |
| Personal Lines, series 13-21 | 100 | 5 | 2 hours | $43 |
The single-line papers run about 69 seconds an item counting all items; the combined paper runs about 58. Passing is 70%, and Nebraska expresses it as a raw count - "100 Items (70%) or 70 correct" and "150 Items (70%) or 105 correct."
The bulletin publishes the scored counts and the cut scores, as quoted above; the time limits come from the per-exam content outlines and appear nowhere in the bulletin. The Life guide covers the three different figures PSI publishes for unscored items.
Attempts are unlimited and there is no waiting period beyond same-day rebooking. Remote proctoring ended on 16 March 2026, so every attempt is at a test centre.
Most Tested Topics on the Nebraska Property Exam
Nebraska's property law is unusually consolidated - one cancellation statute, one valued policy statute, one fire policy section - and the exam points sit in the qualifiers rather than in the structure.
| Concept | The Nebraska rule | Where it lives |
|---|---|---|
| Standard fire policy | Fire and lightning policies must conform as nearly as practicable to the 1943 Standard Fire Insurance Policy of the State of New York | 44-501 |
| The subdivision that disables it | An insurer may file "any form of policy with variations in terms and conditions from the standard policy" | 44-501(11) |
| Valued policy law, and how far it reaches | On total loss of REAL property by fire, tornado, windstorm, lightning OR explosion, without criminal fault, the face amount is conclusively the value and the measure of damages | 44-501.02 |
| Cancellation and nonrenewal notice | 60 days for either, with the reason stated - one statute covering personal and commercial alike | 44-522(2) |
| The short-notice exceptions | 10 days for nonpayment of premium, and 10 days where the policy has a term of 60 days or less and has not previously been renewed | 44-522(2) |
| Grounds after 60 days in force | Exactly seven, lettered (a) through (g) | 44-522(3)(a)-(g) |
| What falls outside the scheme entirely | Automobile, workers' compensation, growing crops, and coverage for a specified season or event not subject to renewal | 44-522(6) |
| When a mailed notice is presumed received | The third calendar day after the date of a Postal Service certificate of mailing, where first-class mail was used | 44-522(4) |
| Substitution of coverage | An insurer's substitution of insurance UPON RENEWAL resulting in substantially equivalent coverage is neither a cancellation nor a refusal to renew - the words "upon renewal" are load-bearing, and mid-term substitution is outside it | 44-522(5)(a) |
| Appraisal, proof of loss, payment clocks | No standalone Nebraska statute mandates any of the three - the fire policy's own conditions and the claim-handling rules do that work | 44-501; 210 NAC Ch. 60 |
| Surplus lines premium tax | 3% of gross premiums less return premiums, collected from the insured and remitted by the licensee - and there is no stamping fee | 44-5506(2)(a), (2)(b) |
| Deductible rebating by a contractor | A residential contractor may not promise to rebate any portion of an insurance deductible as an inducement | 44-8604 |
The fire policy row is the one that rewards reading to the end of the section. Nebraska is nominally a 1943 New York Standard Fire Policy state: 44-501 requires conformity "as nearly as practicable" and has the standard form filed with the Director as the state's standard policy. Ten subdivisions of exceptions follow. Then comes 44-501(11), added in 2007, which begins "notwithstanding any other provision of this section" and permits an insurer to file "any form of policy with variations in terms and conditions from the standard policy provided for in this section." The mandate is a default that any insurer may file its way out of. A guide that teaches the SFP requirement without (11) teaches a rule the statute itself disables - and (6) already excluded motor vehicle, inland marine, ocean marine, reinsurance between companies, and insurance not covering risks of a personal nature.
The cancellation row is where the numbers surprise people, and the surprise is on the nonrenewal side. Most states set a shorter nonrenewal notice than a cancellation notice, or set nonrenewal at thirty or forty-five days. Nebraska sets sixty days for both, in one sentence, and requires the notice to state the reason for either. The exceptions are narrow: ten days for nonpayment, and ten days for a policy with a specified term of sixty days or less that has not previously been renewed. Read 44-522(6) alongside it, because the carve-outs are exclusions from the whole scheme rather than alternative notice periods - automobile, workers' compensation, growing crops, and seasonal or single-event coverage not subject to renewal are simply outside subsections (2), (3) and (4).
And the valued policy law is broader than its section heading suggests. The section is captioned "Fire insurance; valued policies," but its text reaches loss by "fire, tornado, windstorm, lightning, or explosion" - five perils. Two limits sit inside the same sentence and both are testable: it applies to real property only, and only where the property is wholly destroyed "without criminal fault on the part of the insured or his or her assignee." Then the amount of insurance written "shall be taken conclusively to be the true value of the property insured and the true amount of loss and measure of damages." Propositions about hail being excluded or partial losses being paid at actual damage are case-law annotations rather than statutory text, so do not quote them as statute.
Booking and Sitting a Nebraska Insurance Exam
Thirteen PSI sites across seven cities. Omaha has five, Lincoln three, and Grand Island, Norfolk, North Platte, Scottsbluff and Sidney one each. The Department's own examinations page gives the same distribution.
| City | Site |
|---|---|
| Grand Island | 504 North Diers Avenue |
| Lincoln | 1055 West Bond Street |
| Lincoln | 8800 O Street |
| Lincoln | 2637 O Street |
| Norfolk | 4200 West Norfolk Avenue |
| North Platte | Mid-Plains Community College, 1101 Halligan Drive, Room 205 |
| Omaha | 7011 Hascall Street |
| Omaha | 4843 L Street |
| Omaha | 12916 Millard Airport Plaza |
| Omaha | 6001 Dodge Street, Kayser Hall Room 522 |
| Omaha | 5300 North 30th Street, Building 23 Room 311 |
| Scottsbluff | Harms Advanced Technology Building, 2620 College Park |
| Sidney | 371 College Drive |
You are not confined to Nebraska. The Department's checklist says "you may take the Nebraska State Exam in any state in which PSI is offering it," and its examinations page describes the Nebraska exam as available at these sites "or any PSI" testing location. For a candidate near a state line, or travelling, that is a real option.
Booking. Reservations are made online or by telephone. Remote proctoring ended on 16 March 2026 - the bulletin states that "effective 3/16/2026, remote proctored examinations will no longer be available," and the Department issued matching guidance the same day, honouring sittings already booked. There is no online option now.
Cancelling or rescheduling. You may cancel and reschedule without forfeiting the fee "if your cancellation notice is received 2 days before the scheduled examination date." Note the unit - two days, not forty-eight hours, and not one business day. No separate rescheduling fee appears anywhere in the bulletin; the penalty for getting it wrong is losing the examination fee itself.
Four ways to forfeit that fee, listed together in the bulletin: not cancelling two days before the scheduled date; not appearing for the appointment; not being checked in by your scheduled start time; and not presenting proper identification during check-in. The third and fourth are the ones that catch prepared candidates.
Arrive thirty minutes early, and bring one form of identification. Nebraska is unusual in requiring only one - most states require two - which sounds generous and is actually less forgiving, because there is no backup if the first document is expired. It must carry a photograph and a signature and be valid and unexpired, and the accepted list is exactly five documents: a state issued driver's licence; a state issued identification card; a US Government issued passport; a US Government issued military identification card; or a US Government issued alien registration card.
What you may not bring in. Reference materials of any kind; cellular phones; cameras; computers of any type including laptops, tablets and iPads; earbuds, headsets and music players; electronic games, watches and smart watches; handheld calculators; pagers, radios, recording devices and televisions; hats, baseball caps and visors not worn for religious reasons; bulky or loose clothing or coats, including open sweaters, cardigans, shawls, scarves, vests and jackets; backpacks, briefcases, purses and wallets; notebooks, paper, pens, pencils and reading material; chewing gum, food, drinks, smoking or chewing products; and good luck items. The rule is spatial as well as categorical: "no prohibited items are allowed within the candidate's reach or line of sight," and anything found at check-in goes into the provided secure storage or back to your vehicle.
Breaks are restricted rather than merely timed. Once the examination begins, candidates "may leave the examination room only to use the restroom, and only after obtaining permission from the proctor" - and "candidates will not receive extra time to complete the examination."
One piece of good news about the clock. The tutorial that precedes the exam does not eat your time: "the time you spend on this tutorial, up to 15 minutes, DOES NOT count as part of your examination time." Minutes remaining are displayed at the top of the screen throughout.
Nebraska Property License Fees
$43 for the examination and $50 for the licence, with no coursework, fingerprint or appointment cost to you.
If you are heading for full property and casualty authority, the arithmetic favours the combined paper: $47 and 150 minutes against $86 and 240 minutes for two single-line papers. The trade is pace - about 58 seconds an item rather than 69 - and the fact that one failure costs you both lines at once.
Surplus lines is a separate licence with its own application and renewal fee under 44-5504, and the Casualty guide covers what it takes to hold one.
Nebraska Property License Eligibility
The four findings at 44-4053 govern: eighteen or older, no act that is a ground for discipline under 44-4059, fees paid, examinations passed. No pre-licensing education and no fingerprints. Residence itself is required - PSI's bulletin has a resident applicant "maintain a principal place of residence in Nebraska" - but no waiting period attaches to it.
What is worth knowing on the property side is what a licence does not by itself let you do. Placing business with a nonadmitted insurer needs a separate surplus lines licence under 44-5503, and the prerequisite is narrower than commonly stated: the Department may issue one "to any individual who currently holds an insurance producer license" - not, as is sometimes claimed, specifically a Property and Casualty licence. The bulletin lists Surplus Lines Licensee among the four lines requiring no examination. The Casualty guide owns the surplus lines path in full.
Nebraska has no FAIR plan and no windstorm plan, which matters here because it changes where hard-to-place property actually goes. That absence is confirmed against the U.S. Treasury's list of state residual insurance market entities, which records no property or specialty plan for Nebraska. What the state does have is three mechanisms, none of them a property FAIR plan: the Nebraska Automobile Insurance Plan, the Nebraska Workers Compensation Insurance Plan (administered by Travelers since 1 July 2000), and the Residual Malpractice Insurance Authority under 210 NAC Chapter 32, which a provider may reach after diligent effort and declination by at least two insurers. Difficult property risk goes to surplus lines.
One conduct rule sits close enough to property claims to belong here. Under the Insured Homeowners Protection Act, 44-8604, "a residential contractor shall not promise to rebate any portion of an insurance deductible as an inducement to the sale of goods or services." And 44-8603(1) gives the homeowner a cancellation right on a contract to be paid from insurance proceeds - before midnight on the later of the third business day after entering the contract or the third business day after receiving written notice from their insurer "that all or part of the claim or contract is not a covered loss under the insurance policy" - a coverage-denial notice specifically, not any letter. Note both the operator and the unit: the later of, and business days.
Nebraska Property Producer Continuing Education
Important CE details: One source of hours goes routinely unclaimed. Guidance document IGD-F5 allows up to six hours per renewal period for active participation in an approved professional insurance association, with the exact allowance varying between three and six by licence type. Three conditions attach and each one catches somebody: the credits may NOT be applied to the three-hour ethics requirement, so they cannot fill the part of the twenty-four that is hardest to fill; a producer may claim from only ONE association, however many they belong to; and social activity does not count, the guidance naming golf tournaments and cocktail hours specifically. It is participation in the association's educational work that earns the credit, not membership in it.
The requirement is 44-3904 - twenty-one general hours at (1)(a)(i) plus three ethics hours at (2), which the statute makes "in addition to such activities," per twenty-four-month period. The Life and Health guide covers the arithmetic and the conditional first-period exemption; the Casualty guide covers reporting and approval.
The flood gate is the one that attaches to this licence rather than to your conduct, and that makes it structurally different from Nebraska's other two. The Department's guidance document IGD-F2 reaches "all Nebraska resident insurance producers licensed in property/casualty lines of authority that may sell a flood insurance policy." Compare the annuity gate - "a producer who wants to sell annuity products" - and the long-term care gate - "may not sell, solicit, or negotiate." Those two are triggered by an act. This one is framed around the licence.
It is a one-time three-hour course approved for National Flood Insurance Program training, and its federal origin explains the shape: the Department cites 70 FR 52117 and 52118, the federal register notice behind the NFIP producer training requirement, rather than a Nebraska statute or rule. No section of Chapter 44 and no chapter of Title 210 imposes it.
Nebraska then answers the question most states leave hanging, and answers it favourably. IGD-F2 states that "these three hours are not required in addition to the normal 24 hours." They sit inside the twenty-four. That is worth knowing precisely, because it is not uniform across the three gates: the annuity credits likewise count toward the total, but the long-term care guidance says only that its training "may be approved as continuing education courses," which is a weaker statement about approval rather than substitution.
There is no carry-forward, and a course may not be repeated for credit within the same renewal period.
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