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Kentucky Property Insurance — Requirements & Free Practice

US-KY · License preparation

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Insurance Agent License — Personal Lines Line of Authority

Individual and business-entity routes to the personal lines authority; qualifications for other unrelated major lines are outside this survey.

Licensing authority: Kentucky Department of Insurance · Application information

Reapplication after revocation
Kentucky — Property and casualty personal lines examination
Discipline
Wait at least one year after revocation and again qualify under all applicable initial provisions. Two revocations permanently bar issuance.
Qualification
Meet initial licensing requirements; the recent-licence exemption does not cover a disciplinary revocation.
Nonresident business entity without reciprocal eligibility
No examination is required for this applicant pathway.
Applicant
Business entity; submit Form 8301-BE and applicable fees. Each officer, director, or member acting as an agent must hold an individual agent license. Disclose officers and directors, designate a licensed responsible agent, and file individual designations.
Appointment
Maintain the applicable insurer appointments and individual designations.
Authority
The designated individuals must hold the same applicable property-related lines as the entity. Their individual licences are applicant conditions, not examinations attributed to the entity.
Residence
Nonresident business entity not eligible under KRS 304.9-140; qualify under KRS 304.9-130.

Official no-examination sources

Effective from 2026-07-15.

Nonresident business entity reciprocal licensure
No examination is required for this applicant pathway.
Applicant
Business entity; submit Form 8301-BE and applicable fees. Each officer, director, or member acting as an agent must hold an individual agent license. Disclose officers and directors, designate a licensed responsible agent, and file individual designations.
Application
Submit the home-state application or uniform application, requested fees and supporting disclosures; do not be subject to denial under KRS 304.9-440.
Appointment
Maintain the applicable insurer appointments and individual designations.
Authority
The designated individuals must hold the same applicable property-related lines as the entity. Their individual licences are applicant conditions, not examinations attributed to the entity.
Continuation
Maintain the applicable home-state licence. Its termination terminates the Kentucky nonresident licence.
Continuing Education
Meet applicable home-state continuing education; reciprocal nonresident agents need not file Kentucky continuing education.
Home License
Hold the same licence class and requested line in the home state, in good standing; that state grants reciprocal nonresident licences to Kentucky residents.

Official no-examination sources

Effective from 2026-07-15.

Business entity license renewal
No examination is required for this applicant pathway.
Applicant
Existing licensed business entity.
Renewal
Renew by March 31 in the applicable odd/even biennium with the required request, fees and continuing designation of licensed individuals.

Official no-examination sources

Effective from 2026-07-15.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Applicant
Business entity; submit Form 8301-BE and applicable fees. Each officer, director, or member acting as an agent must hold an individual agent license. Disclose officers and directors, designate a licensed responsible agent, and file individual designations.
Appointment
Maintain the applicable insurer appointments and individual designations.
Authority
The designated individuals must hold the same applicable property-related lines as the entity. Their individual licences are applicant conditions, not examinations attributed to the entity.

Official no-examination sources

Effective from 2026-07-15.

Reissuance after continuing education termination within twelve months
No examination is required for this applicant pathway.
Application
Submit a new application, required attachments and fees.
Continuing Education
Satisfy the delinquent continuing education requirements.
Timing
Reissuance within twelve months after termination.

Official no-examination sources

Effective from 2026-07-15.

Requalification after continuing education delinquency of twelve months or longer
Kentucky — Property and casualty personal lines examination
Prelicensing
Complete the prelicensing course for the requested authority unless exempt.
Qualification
Complete all initial licensing requirements; statutory exemptions apply when independently satisfied.
Timing
The continuing education delinquency remains unsatisfied for twelve months or longer.
Consultant to agent
No examination is required for this applicant pathway.
Application
Submit a truthful, complete application with background disclosures and supporting documents; state the requested line. Resident noncitizens provide legal work authorization. Applicable fees are paid with the application.
Appointment
The insurer appoints an agent acting on its behalf within fifteen days after the contract or first application, whichever is earlier.
Background Check
An individual designating Kentucky as home state submits an Administrative Office of the Courts background report.
Character
At least eighteen years old, trustworthy, reliable, and of good reputation; no act constituting a statutory ground for denial, suspension, or revocation.
Financial Responsibility
Maintain qualifying liability insurance of at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 surety bond, or the qualifying exclusive-insurer assumption-of-responsibility agreement.
Military Spouse Fees
The Department applicant-information page allows a fee waiver or refund for a qualifying military spouse under KRS 12.357; it requires the stated service, marriage and licensing proof.
Prior License
Currently licensed in Kentucky as a consultant for the same line, or so licensed within the previous twelve months. A prior revocation, suspension, or refusal of continuation disqualifies the applicant unless caused only by failure to maintain required financial responsibility.
Restrictions
The commissioner may impose conditions on the license under KRS 304.9-465; a conditional license is the existing license subject to an order.

Official no-examination sources

Effective from 2026-07-15.

Restricted continuation solely for renewals or deferred commissions
No examination is required for this applicant pathway.
Renewal
Continue satisfying applicable licence-renewal procedures.
Restricted Activity
Maintain the license solely to receive renewals or deferred commissions, file the supporting affidavit, and cease selling, soliciting, or negotiating insurance.

Official no-examination sources

Effective from 2026-07-15.

Individual license renewal
No examination is required for this applicant pathway.
Applicant
Existing individual licensee.
Continuing Education
Twenty-four hours per biennium including three ethics hours, unless an exemption applies; course completion is due by expiration and proof is due within sixty days. A required examination in a self-study CE course is a course condition, not a separately identified licensing examination.
Renewal
Renew by the last day of the birth month in the applicable odd/even biennium; submit the request, applicable fees, and continuing-education proof where required.

Official no-examination sources

Effective from 2026-07-15.

Lapsed within twelve months
No examination is required for this applicant pathway.
Prior License
Individual renewal fee is paid within twelve months of its due date; pay a penalty equal to double the unpaid renewal fee. The Department issues the same lines of authority.

Official no-examination sources

Effective from 2026-07-15.

Late renewal within sixty days
No examination is required for this applicant pathway.
Timing
The commissioner may accept a renewal request and fees within sixty days after expiration, without interruption, with the statutory penalty. Required continuing education must have been completed by expiration.
Waiver
A licensee unable to comply because of military service, long-term medical disability, or another extenuating circumstance may request a waiver; any examination waiver is discretionary.

Official no-examination sources

Effective from 2026-07-15.

Moving to kentucky
No examination is required for this applicant pathway.
Application
Submit a truthful, complete application with background disclosures and supporting documents; state the requested line. Resident noncitizens provide legal work authorization. Applicable fees are paid with the application.
Appointment
The insurer appoints an agent acting on its behalf within fifteen days after the contract or first application, whichever is earlier.
Background Check
An individual designating Kentucky as home state submits an Administrative Office of the Courts background report.
Character
At least eighteen years old, trustworthy, reliable, and of good reputation; no act constituting a statutory ground for denial, suspension, or revocation.
Financial Responsibility
Maintain qualifying liability insurance of at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 surety bond, or the qualifying exclusive-insurer assumption-of-responsibility agreement.
Military Spouse Fees
The Department applicant-information page allows a fee waiver or refund for a qualifying military spouse under KRS 12.357; it requires the stated service, marriage and licensing proof.
Residence
Licensed as a resident insurance producer elsewhere within the last twelve months; move to Kentucky and apply within ninety days after establishing legal residence for a line held in the prior home state within the last twelve months. The exemption is subject to any exception established by the commissioner by administrative regulation.
Restrictions
The commissioner may impose conditions on the license under KRS 304.9-465; a conditional license is the existing license subject to an order.

Official no-examination sources

Effective from 2026-07-15.

Nonresident initial licensure without reciprocity
Kentucky — Property and casualty personal lines examination
Application
Submit a truthful, complete application with background disclosures and supporting documents; state the requested line. Resident noncitizens provide legal work authorization. Applicable fees are paid with the application.
Appointment
The insurer appoints an agent acting on its behalf within fifteen days after the contract or first application, whichever is earlier.
Background Check
An individual designating Kentucky as home state submits an Administrative Office of the Courts background report.
Character
At least eighteen years old, trustworthy, reliable, and of good reputation; no act constituting a statutory ground for denial, suspension, or revocation.
Exemptions
This is the ordinary examination route for an applicant who does not satisfy KRS 304.9-170.
Financial Responsibility
Maintain qualifying liability insurance of at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 surety bond, or the qualifying exclusive-insurer assumption-of-responsibility agreement.
Military Spouse Fees
The Department applicant-information page allows a fee waiver or refund for a qualifying military spouse under KRS 12.357; it requires the stated service, marriage and licensing proof.
Prelicensing
Twenty hours of approved prelicensing study for this single authority (forty for property and casualty together); course completion remains valid for one year.
Residence
Nonresident applicant not eligible for reciprocal issuance under KRS 304.9-140.
Restrictions
The commissioner may impose conditions on the license under KRS 304.9-465; a conditional license is the existing license subject to an order.
Testing
Apply and submit required documents and fees before scheduling; correctly answer seventy percent of questions.
Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application, requested fees and supporting disclosures; do not be subject to denial under KRS 304.9-440.
Continuation
Maintain the applicable home-state licence. Its termination terminates the Kentucky nonresident licence.
Continuing Education
Meet applicable home-state continuing education; reciprocal nonresident agents need not file Kentucky continuing education.
Home License
Hold the same licence class and requested line in the home state, in good standing; that state grants reciprocal nonresident licences to Kentucky residents.

Official no-examination sources

Effective from 2026-07-15.

Other state license
No examination is required for this applicant pathway.
Application
Submit a truthful, complete application with background disclosures and supporting documents; state the requested line. Resident noncitizens provide legal work authorization. Applicable fees are paid with the application.
Appointment
The insurer appoints an agent acting on its behalf within fifteen days after the contract or first application, whichever is earlier.
Background Check
An individual designating Kentucky as home state submits an Administrative Office of the Courts background report.
Character
At least eighteen years old, trustworthy, reliable, and of good reputation; no act constituting a statutory ground for denial, suspension, or revocation.
Financial Responsibility
Maintain qualifying liability insurance of at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 surety bond, or the qualifying exclusive-insurer assumption-of-responsibility agreement.
Military Spouse Fees
The Department applicant-information page allows a fee waiver or refund for a qualifying military spouse under KRS 12.357; it requires the stated service, marriage and licensing proof.
Prior License
Previously licensed for the same lines in another state and either currently licensed there, or Kentucky receives the application within ninety days of cancellation with the specified certification or database evidence of good standing.
Restrictions
The commissioner may impose conditions on the license under KRS 304.9-465; a conditional license is the existing license subject to an order.

Official no-examination sources

Effective from 2026-07-15.

Removal of deferred commission restriction
No examination is required for this applicant pathway.
Continuing Education
Complete the immediately preceding CE biennium, certify completion, and submit a signed statement withdrawing the affidavit.

Official no-examination sources

Effective from 2026-07-15.

Recent kentucky license
No examination is required for this applicant pathway.
Prior License
A similar Kentucky license for the same line was held within the twelve months before application; a temporary license does not qualify. Revocation or suspension disqualifies the applicant except when caused by failure to meet continuing education.

Official no-examination sources

Effective from 2026-07-15.

Resident initial licensure by examination
Kentucky — Property and casualty personal lines examination
Application
Submit a truthful, complete application with background disclosures and supporting documents; state the requested line. Resident noncitizens provide legal work authorization. Applicable fees are paid with the application.
Appointment
The insurer appoints an agent acting on its behalf within fifteen days after the contract or first application, whichever is earlier.
Background Check
An individual designating Kentucky as home state submits an Administrative Office of the Courts background report.
Character
At least eighteen years old, trustworthy, reliable, and of good reputation; no act constituting a statutory ground for denial, suspension, or revocation.
Exemptions
This is the ordinary examination route for an applicant who does not satisfy KRS 304.9-170.
Financial Responsibility
Maintain qualifying liability insurance of at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 surety bond, or the qualifying exclusive-insurer assumption-of-responsibility agreement.
Military Spouse Fees
The Department applicant-information page allows a fee waiver or refund for a qualifying military spouse under KRS 12.357; it requires the stated service, marriage and licensing proof.
Prelicensing
Twenty hours of approved prelicensing study for this single authority (forty for property and casualty together); course completion remains valid for one year.
Residence
Designate and maintain Kentucky as home state.
Restrictions
The commissioner may impose conditions on the license under KRS 304.9-465; a conditional license is the existing license subject to an order.
Testing
Apply and submit required documents and fees before scheduling; correctly answer seventy percent of questions.
Return from department employment
No examination is required for this applicant pathway.
Prior License
Surrendered a valid Kentucky license covering the same line to accept employment with the Department of Insurance; apply within twelve months after Department employment ends.

Official no-examination sources

Effective from 2026-07-15.

Kentucky — Property and casualty personal lines examination

Provider
Kentucky Department of Insurance
Format
Computerized written examination
Exam questions
50 questions
Passing score
70%
Examination outline
  • Principles of Insurance (8%)
    • Risk
    • Managing Risk
    • Law of Large Numbers
    • Elements of Insurability
    • Pure Risk, Speculative Risk
    • Insurable Interest
    • Other Elements of Insurability
    • Other Insurance Terms
    • Peril
    • Hazard
  • The Insurance Contract (6%)
    • Elements of a Valid Contract
    • Offer and Acceptance
    • Consideration
    • Characteristics of an Insurance Contract
    • Principle of Indemnity
    • Personal
    • Unilateral
    • Parts of the Insurance Contract
    • Policy Organization
  • Insurance Company Organization and Regulation (2%)
    • Types of Insurance Organizations
    • Stock and Mutual Companies
    • Lines of Insurance
    • Four Lines of Insurance
    • Insurance Company Organization
    • The Agent
    • Insurance Marketing Systems
    • Other Insurance Functions
    • Regulation
    • Regulation and the Company
    • Regulation and the Agent
  • The Insurance Transaction (8%)
    • Application
    • Binders
    • Underwriting the Policy
    • Fair Credit Reporting Act
    • Rating the Policy
    • Judgment and Manual Rating
    • Certificate of Insurance
    • Misrepresentation, Concealment, and Fraud
    • Representations and Warranties
    • Waiver and Estoppel
    • Cancellation and Nonrenewal
  • Introduction to Property Insurance (6%)
    • Declarations
    • Who is Insured
    • What Property is Covered and Where
    • How Much Property is Insured for
    • Insuring Agreement
    • Property Covered
    • Perils Insured Against
    • Exclusions and Limitations
    • Conditions
    • Duties Following Loss
    • Valuation
    • Coinsurance
    • Deductible
    • Salvage and Abandonment
    • Subrogation
    • Appraisal and Arbitration
    • Other insurance
    • Assignment
  • Introduction to Liability Insurance (6%)
    • Negligence
    • Definition
    • Establishing Negligence
    • Defenses Against Negligence
    • Contributory and Comparative Negligence
    • Absolute Liability
    • Vicarious Liability
    • Liability Insurance
    • Third Party Losses
    • Insuring Agreement
    • Exclusions
    • Conditions
  • Dwelling Insurance (8%)
    • The Dwelling Policy
    • Perils Insured Against
    • Other Coverages
    • Conditions
    • Basic Policy Coverages
    • Replacement Cost Coverage
    • Other Endorsements
  • Homeowners Insurance (18%)
    • The Homeowners Policy
    • Eligibility, Insureds
    • Extent and Scope of Homeowners Coverage
    • HO-3 - Special Form
    • HO-4 - Contents Broad Form
    • HO-6 - Unit-Owners Form
    • Section I - Property
    • Coverage C - Personal Property
    • Coverage D - Loss of Use
    • Additional Coverages
    • Perils Insured Against
    • Limits of Liability, Deductible
    • Section II - Liability
    • Coverage E - Personal Liability
    • Coverage F - Medical Payments to Others
    • Exclusions
    • Additional Coverages
    • Homeowners Endorsements
    • Section I Endorsements
    • Limited Fungi, Wet or Dry Rot, or Bacteria Coverage
  • Personal Auto Insurance (18%)
    • Definitions
    • Part A - Liability Coverage
    • Coverage
    • Who is an Insured
    • Supplementary Payments
    • Exclusions
    • Part B - Medical Payments Coverage
    • Exclusions
    • Part C - Uninsured Motorists Coverage
    • Definition of Uninsured Motor Vehicle
    • Exclusions
    • Other Insurance
    • Part D - Coverage for Damage to Your Auto
    • Coverage
    • Transportation Expenses
    • Exclusions
    • Other Provisions
    • Parts E and F - Conditions
    • Underinsured Motorists Coverage
    • Personal Auto Policy Endorsements
  • Miscellaneous Personal Insurance (12%)
    • Flood Insurance
    • Coverage
    • National Flood Insurance Program
    • Earthquake Insurance
    • Mobile Home Insurance
    • Personal Inland Marine Insurance
    • Personal Inland Marine Forms
    • Personal Watercraft Insurance
    • Boatowners and Outboard Motor and Boat Policies
    • Personal Yacht Policies
    • Personal Umbrella Insurance
    • Coverage for Excluded Losses
    • FAIR Plans
  • Insurance Code — Kentucky Law (8%)
    • Scope, General Definitions, and Provisions KRS 304.1
    • Definition of Property Insurance KRS 304.5-050
    • Agent Licensing
    • Definitions KRS 304.9-020 to 051
    • Licensing Requirements KRS 304.9-080 to 120
    • Change of Address KRS 304.9-200
    • License Renewal KRS 304.9-260
    • Continuing Education KRS 304.9-295
    • Record Retention KRS 304.9-390
    • Suspension or Revocation of License KRS 304.9-440
    • Reporting of Criminal or Administrative Actions KRS 304.9-467
    • Prohibited Practices in Replacement or Repair of Automobile Glass; Penalties KRS 304.9-470
    • Surplus Lines KRS 304.10
    • Unfair Practices, Advertising, Illegal Inducements KRS 304.12-010 to 110
    • Lender Insurance Requirements KRS 304.12-150
    • Unfair Claims Settlement Practices KRS 304.12-230
    • Auto Insurance Plan KRS 304.13-151
    • Insurance Contract KRS 304.14
    • Personal Auto Policies Declanation, Nonrenewal, and Cancellation KRS 304.20-040
    • Declination, Nonrenewal, and Cancellation KRS 304.20-300 to 350
    • Insurance Guaranty Fund KRS 304.36-030
    • Motor Vehicle Insurance No-Fault KRS 304.39
    • Insurance Fraud KRS 304.47-020
    • Conversion of Premium KRS 304.99-010
Examination sources