What This License Is
A Utah 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. It is issued by the Utah Insurance Department.
Because Utah does not require pre-licensing education, the path is unusually short: register with Prometric, pass the exam, apply and get fingerprinted at the testing center, and your license is on its way.
Eligibility Requirements
You must be at least 18, provide proof of Utah residency, and meet the character standards in Utah Code §31A-23a-107. You also need a Social Security Number (or FEIN for business entities).
A criminal history does not automatically disqualify you, but felonies involving fraud, dishonesty, or breach of trust can lead to denial. Answer every background question honestly — misrepresentation is itself grounds for denial.
Exam Options & Format
Prometric administers the Utah exam. You can test in person at one of four Utah Prometric centers (Salt Lake City, Lindon, Taylorsville, St. George) or remotely via ProProctor with a compatible computer and webcam.
The Property exam is Series 17-22: 100 questions, 2 hr, $32 per attempt. Utah also offers the exams in Spanish.
What It Costs
Budget for the whole single-visit process up front. Bring a credit card to the testing center — you will pay the application fee, the FBI/BCI background fee, and the fingerprint processing fee on the same day:
Passing Score
You need 70% to pass. Your result appears on screen the moment you finish, and Prometric reports it to the Utah Insurance Department.
Aim for a consistent 80% on practice exams before you schedule. That buffer is the single best predictor of a first-attempt pass.
If You Pass — and If You Don't
If you pass: go straight to the Prometric kiosk to submit your license application through NIPR or Sircon. Pay the $75 application fee plus the $5.60 transaction fee, then the FBI/BCI fingerprint fee. Hand your confirmation to the proctor and get fingerprinted. Submit your application within 90 days of passing or your exam results expire.
If you don't pass: you can re-register and pay the fee again with no waiting period. Use the diagnostic report from Prometric to target your weak areas, then come back.
Keeping Your License Active
Important CE details: 3 hours ethics, at least 12 hours classroom/classroom-equivalent. Renewal by birth month every 2 years. One-time NFIP training before selling flood insurance.
Once licensed, Utah requires 24 hours of continuing education every 2 years, with 3 hours in ethics and at least 12 hours in classroom or classroom-equivalent (live online interaction) format. No more than 12 hours can come from courses provided by a single insurer, and hours do not carry over between cycles.
Renewal is tied to the last day of your birth month, every two years.
Quick Reference
Official Links
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