What This License Is
A Nevada Personal Lines license lets you sell property and casualty coverage to individuals and families — homeowners, renters, personal auto, and similar non-commercial risks in Nevada. It is issued by the Nevada Division of Insurance.
Licensing runs through the same process as every Nevada producer line — the difference is the focused Personal Lines exam.
Exam Options & Format
The Personal Lines exam is Personal Lines — Noncommercial P&C (Exam 55): 80 total (75 scored + 5 pretest) questions, 2 hr 15 min, $37 per attempt. Passing standard: 70 (scaled).
Nevada also offers the combined exam (Property and Casualty Combined (Exam 06): 110 total (105 scored) questions, 3 hr 35 min, $47), which licenses both lines in one sitting. If there is any chance you will sell commercial products later, the combined exam is usually the better value.
Do you need a pre-licensing course?
Short answer: no. Nevada dropped its mandatory pre-licensing education requirement on January 1, 2020. You can register for the exam and sit for it without completing any approved course first.
That said, "not required" is not the same as "not a good idea." These exams are scaled (more on that below), and the state-specific portion leans on Nevada statutes you won't absorb by osmosis. A focused prep course — or a solid study package — is the difference between one attempt and three.
The scaled-70 trap (read this twice)
Nevada's official passing score is a scaled 70, set by Nevada Administrative Code 683A.270. Here's the catch that surprises people: a scaled 70 is NOT "70% of the questions correct." Raw scores are converted onto a 0–100 scale that corrects for how hard your particular form was, so the scaled number you see has no direct relationship to how many questions you actually answered right.
In practice, hitting a scaled 70 usually means answering meaningfully more than 70% of questions correctly — prep schools commonly tell Nevada students to aim for roughly 80% on practice tests to be safe. Treat 70% as a floor you don't want to be near, not the target.
If you fail, your report shows a numeric score (so you know how close you came) plus diagnostic feedback by topic area. If you pass, you just get "pass" — no question count, no percentage.
Booking the exam and what to expect
Schedule the NV Property and Casualty exam through Pearson VUE online at home.pearsonvue.com/nv/insurance or by phone at (800) 274-2609, at least 24 hours before your desired date. Walk-ins aren't allowed. The fee is $47 (combo) or $37 (single line), paid at reservation by card or voucher — nonrefundable and nontransferable.
You can test at a physical Pearson VUE center or online through OnVUE. At a center, arrive 30 minutes early with two forms of current signature ID (primary must be government-issued photo ID). For OnVUE you'll photograph your ID, your space, and yourself, and a live proctor watches via webcam — note that OnVUE won't accept military IDs and allows only two attempts before you're pushed to a test center.
It's multiple choice, split into a general-knowledge portion and a Nevada-specific portion, but you receive one combined score. There's no penalty for wrong answers, so never leave a question blank. You walk out with an official pass/fail score report in hand.
Fingerprints & background check
Nevada requires digital fingerprints and a criminal-history background report. You pick an approved fingerprinting vendor from the Division's list; the vendor transmits your prints to the Nevada Department of Public Safety. Plan on roughly $50, depending on the vendor.
You have 90 days from submitting your license application to complete fingerprinting. You'll upload your signed Fingerprint Background Waiver Form and the fingerprint receipt with the application.
Applying for the license
Within one year of passing your exam, apply online through Sircon at www.sircon.com/Nevada. The state licensing fee is $185 (plus a Sircon or NIPR transaction fee). Upload your signed Fingerprint Background Waiver Form, your fingerprint receipt, and any other documents the application requests.
Passing the exam doesn't guarantee a license — issuance depends on the Division approving all of your application materials, including the background report. You cannot sell, solicit, or negotiate insurance (or accept commission) until the license is actually issued.
Once issued, you print your own license through Sircon — free for the first 30 days, then a fee applies. The Division doesn't mail paper licenses. Nevada also requires a company appointment before you transact, so line up your carrier.
What Nevada tests that nothing else does
The 41-question Nevada section starts with the statutes common to all lines — the Commissioner's powers, definitions, licensing and appointment, and the unfair-trade-practice cluster (rebating, twisting, misrepresentation, fraud, unfair discrimination, defamation). Then it layers on the property-and-casualty-only material.
P&C-shared items to drill: the Nevada Insurance Guaranty Association / NIGA (NRS 687A) — different from the Life & Health guaranty fund; cancellation and nonrenewal of policies (687B.310–.420); rate standards and regulation (686B); countersigning (680A.300); surplus lines (685A); binders (687B.015, .182–.187); and the motor vehicle physical damage appraiser rules (684B).
Casualty-only Nevada material is auto-heavy: uninsured/underinsured motorist provisions (687B.145; 690B.020), proof of financial responsibility and the Motor Vehicle Safety & Responsibility Act (Chapter 485), premium reduction for older drivers (690B.029), and Nevada workers' compensation — who must carry it, exceptions, sole remedy, and self-insurance (Chapters 616A–616D).
Keeping the license: CE & renewal
Nevada runs on a 3-year cycle — not the 2-year cycle most states use — so you'll renew less often but rack up more hours per period. You owe 30 CE hours every 3 years, including 3 hours of ethics, with at least 27 hours in your licensed line(s).
Your renewal lands on the first day of the month following your original issue date. Finish and report all CE before you submit the renewal. There's no carryover, and you can't repeat the same course within a single period.
NFIP flood training
One product-specific gate applies on the property side: Nevada producers licensed in Fire and Casualty lines who sell National Flood Insurance Program (NFIP) policies must complete a one-time 3-hour Flood Insurance course. It's separate from your regular CE and is a prerequisite to writing flood business — skip it and you can jeopardize your authority to sell the product.
Quick Reference
Official Links
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