What This License Is
The Utah property line of authority covers insurance against loss of or damage to real and personal property — homeowners and dwelling policies, commercial property, business interruption, inland marine and crop. It is one of the eight producer lines enumerated at §31A-23a-106 and is issued by the Utah Insurance Department.
Property-only is a narrower authority than most producers need. It does not reach liability — that is the casualty line, which in Utah expressly includes surety bonds — and it does not reach the packaged personal auto-and-home market, which Utah licenses separately as personal lines. Producers whose work touches both sides of a commercial account almost always want the combined Property & Casualty exam instead.
Where Property-only earns its keep is the specialist path: property underwriting support, inland marine, crop, or the surplus-lines route, since Utah requires three of the past four years as a property/casualty producer before it will issue a surplus lines license.
Exam Options & Format
The Property exam is Prometric Series 17-22: 100 questions, 2 hours, $32 per attempt, with five unscored experimental items distributed through it unmarked.
The combined alternative is Series 17-04, Property and Casualty: 150 questions, 2 hours 30 minutes, $44 — $20 cheaper than sitting 17-22 and 17-23 separately. It is graded as one score with no partial credit, so a weak casualty section can sink a strong property section. Candidates who are solid on both should take it; candidates who are genuinely shaky on liability may do better paying the extra $20 for two independent attempts.
A third option worth knowing about: Series 17-20, Personal Lines, is only 50 questions in 1 hour — half the size of every other producer exam. If your target job is personal auto and homeowners rather than commercial property, that is a materially different exam, and it has its own guide.
Most Tested Topics on the Utah Property Exam
Utah's property-side state content clusters in two places: how rates get to market, and what happens to a risk the admitted market will not take. From the TESTivity Utah regulations curriculum, statute-verified:
| Utah property concept | The rule, and where it comes from |
|---|---|
| Rate filing timing, P&C | File within 30 days AFTER the rates and supplementary information take effect — §31A-19a-203(1)(d). Utah is a competitive-rating state that files after use, not before |
| Rate standard | Rates "may not be excessive, inadequate, or unfairly discriminatory" (§31A-19a-201), with excessiveness assessed against whether reasonable price competition exists |
| Workers compensation rate filings | The exception to the rule above — comp rates must be filed at least 30 days BEFORE the effective date (§31A-19a-405(1)(a)) |
| Incomplete rate filings | An insurer has 45 calendar days after written notice to supply missing supporting documentation, or the filing is incomplete and may not be used (§31A-19a-203) |
| FAIR Plan | None. Utah operates no FAIR Plan and no state property insurer of last resort |
| Coastal wind pool | None — Utah is landlocked, so no beach plan or windstorm association exists |
| Signature catastrophe perils | Earthquake along the Wasatch Fault, which runs from Malad City, Idaho to Fayette, Utah beneath Ogden, Salt Lake City and Provo — excluded from the standard homeowners form and written by endorsement or separate policy. Wildfire in the wildland-urban interface is the second exposure, and it is a covered peril — the constraint there is underwriting appetite, not the form |
| Surplus lines producer prerequisite | "You must have been a property/casualty insurance producer for at least three of the past four years" — plus its own exam, Series 17-21 |
| Admitted-market search before export | A good faith effort to place the risk with an admitted insurer, documented with a record of the efforts and a written explanation, retained at least 3 years from inception (R590-171-6) |
| Surplus lines premium tax | 4-1/4% of gross premiums less return premiums (§31A-3-301(1)(a)), plus a stamping fee not to exceed 1% of policy premium |
| Nonadmitted policy legend | Every surplus lines policy carries the notice that the insurer "does not hold a certificate of authority to do business in this state and thus is not fully subject to regulation by the Utah insurance commissioner" (§31A-15-103) |
The rate-filing row is the one most likely to be answered wrong by a well-prepared candidate. Utah is routinely described — including in some secondary sources — as a "file-and-use" state, and file-and-use ordinarily means the filing precedes the use. Utah's statute says the opposite: the filing is due within 30 days after the rates are already effective. Then it inverts itself for workers compensation, where the filing must land 30 days before. One statute, two directions, and the exam knows it.
The surplus-lines rows reward precision of a different kind. Utah words the market-search obligation as a good faith effort, not the "diligent effort" language most states use, and R590-171-6 sets no minimum number of declinations — the three-declination rule of thumb imported from other states is not Utah law. The rule does say something more useful: a better price alone does not justify export unless the admitted quote is excessive, and an existing relationship with an admitted insurer does not excuse the search.
Where to Take the Utah Exam
Prometric prints four Utah test centers in the current bulletin. For a state of Utah's geography that is thin coverage — everything is on the Wasatch Front except St. George — so book early if you are outside the corridor.
| City | Address | Phone |
|---|---|---|
| Lindon | 350 South 400 West, Suite 250, Lindon, UT 84042 | (801) 226-2095 |
| Salt Lake City | 201 South 1460 East, 490 Student Services Building, Salt Lake City, UT 84112-9059 (University of Utah campus) | (801) 581-7310 |
| Taylorsville | 5500 South Redwood Road, Suite 201, Taylorsville, UT 84123 | (801) 969-0831 |
| St. George | Utah Tech University, 46 South 1000 East, St. George, UT 84770 | (435) 879-4360 |
A note on the St. George listing. Both Prometric's bulletin and the Department's own testing-sites page still print this site as "Dixie State College." That institution was renamed Utah Tech University in 2022 — the address and phone are unchanged, only the name is four years out of date on both official pages. Worth knowing for its own sake if you are navigating there, and worth filing away as a reminder that even primary sources go stale between revisions.
The bulletin adds that a full list is available by going to prometric.com/utah/insurance and clicking the Locate button. You are not confined to Utah, either: the bulletin states you may take the exam "at any Prometric test center in the United States," which is genuinely useful if you live near a state line or travel for work — though remember that the post-exam kiosk-and-fingerprint workflow assumes you are somewhere you can return to.
Scheduling, rescheduling, and how to lose $32. Register and pay through prometric.com/utah/insurance or (888) 226-8740; scheduling runs on ProScheduler, with separate booking paths for a test center and for a remote proctor. To move an appointment you must contact Prometric at least 24 hours before it, or the fee is forfeited. Cancel inside 24 hours, fail to appear, or arrive more than 30 minutes late and the fee is gone in the same way. Prepaid exam fees are themselves valid only 90 days from the day Prometric receives them, so registering far ahead of a study plan is its own small risk.
What It Costs
$32 for Series 17-22, $38 in fingerprint fees ($32 to the Department for FBI and BCI, $6 to Prometric for the capture), and $70 to the Department for an individual full-line license — around $140 all in on a first pass, with no pre-licensing tuition in the picture at all.
The $70 is the Department's own FY2027 Fee Schedule figure. Prometric's bulletin still shows $75; the Department's schedule is the better authority, but budget the higher number. Adding property to a license you already hold costs $25 instead, and does not require new fingerprints.
If the surplus lines path is where this is heading, price that separately: its own exam (Series 17-21, 60 questions, 1 hour, $32) plus its own license fee, and the three-year experience prerequisite means it is a second step rather than a parallel one.
Eligibility Requirements
Minimum age 18 — the application makes you attest to it (§31A-23a-104(2)(b)(iv)) — a Social Security number, and honest answers to the application's background questions. Utah requires no pre-licensing education, no sponsor and no residency tenure — though a producer relocating to Utah must apply for the resident license within 90 days of establishing legal residence to keep the exam waiver for lines already held (§31A-23a-108(2)).
Denial grounds are at §31A-23a-111(5)(b) and center on fraud, dishonesty and breach of trust. Application fees are non-refundable if the application is denied or incomplete (§31A-23a-104(2)), which is a good reason to over-document rather than under-disclose.
Keeping Your License Active
Important CE details: Three ethics hours and twelve classroom hours inside the 24. Utah splits nothing by line of authority, so a property producer's requirement is identical to a life producer's.
24 hours every two years — 3 ethics, at least 12 classroom or classroom-equivalent, no more than 12 from insurer-provided courses. Utah assigns none of it by line of authority: past the ethics requirement, "the remaining 21 hours can be in any line," so a property specialist may satisfy the whole requirement with property content or none of it.
Renewal falls on the last day of your birth month, every two years. The Property & Casualty guide covers renewal and reinstatement in detail, including the rule that reinstating a lapsed license does not reset its expiration date.
Quick Reference
Official Links
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