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Wyoming Property Insurance — Requirements & Free Practice

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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 Producer License — Personal Lines (Individual)

Personal lines authority is limited to property and casualty coverage for individuals and families primarily for noncommercial purposes.

Licensing authority: Wyoming Department of Insurance · Application information

Maintaining nonresident authority after change of legal residence
No examination is required for this applicant pathway.
Application
W.S. 26-9-208(c) requires no fee or new license application. The Department FAQ also instructs departing residents seeking to keep Wyoming clients to apply for a nonresident license after the new resident license is approved.
Notice
File a change of address and certification from the new resident jurisdiction within 30 days.
Status
An existing nonresident moves between jurisdictions, or a Wyoming resident moves out of Wyoming.

Official no-examination sources

Effective from 2026-09-22.

Nonresident new licensure after voluntary surrender
No examination is required for this applicant pathway.
Home License
Current corresponding home-state resident license in good standing and reciprocity.
Surrender
Prior Wyoming nonresident license was surrendered; apply under the nonresident licensing provisions.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reapplication after the twelve month reinstatement period
No examination is required for this applicant pathway.
Expired License
After one calendar year, submit a new application.
Home License
Current corresponding resident license in good standing and reciprocal home-state licensing; the nonresident examination exemption applies.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the proper application or home-state application and pay applicable fees.
Home Examinations
Any other jurisdiction's licensing examinations are applicant credentials, not Wyoming examination leaves.
Home License
Hold the corresponding resident line in good standing in the home state.
Reciprocity
Home state must award Wyoming residents nonresident producer licenses on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement within twelve months
No examination is required for this applicant pathway.
Continuing Education
Maintain the home-state license in good standing; Wyoming continuing education is not required of nonresident producers.
Fees
Pay the continuation fee and an equal penalty.
Time Limit
Reinstate the same license within twelve months of the continuation-fee due date.

Official no-examination sources

Effective from 2026-09-22.

Nonresident license continuation and renewal
No examination is required for this applicant pathway.
Continuing Education
Maintain the home-state license in good standing; Wyoming continuing education is not required of nonresident producers.
Renewal
Pay the continuation fee and request continuation by the last day of the birth month in the applicable biennial cycle; remain compliant with the Insurance Code.

Official no-examination sources

Effective from 2026-09-22.

Continuation with military service or medical hardship waiver
No examination is required for this applicant pathway.
Continuing Education
Resident individuals complete 24 hours of continuing education per two-year period, including at least 3 ethics hours.
Discretion
Request a waiver of the renewal procedures or related sanctions; the Commissioner decides whether to grant it.
Hardship
Unable to comply with renewal procedures because of military service or another extenuating circumstance such as long-term medical disability.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination
Wyoming Personal Lines Producer Insurance Examination
Age
At least 18 years of age.
Application
Submit a complete and truthful uniform individual application and pay applicable licensing fees.
Authority
Personal lines authority is limited to property and casualty coverage for individuals and families primarily for noncommercial purposes.
Exam Score Age
The handbook requires the examination to have been passed within the preceding twelve months.
Fingerprints
Initial resident applicants provide fingerprints, permission and payment for the criminal-history background check.
Fitness
No act constituting grounds for denial, suspension or revocation under W.S. 26-9-211; disclose criminal and administrative history.
Resident licensure with prior same line license exemption
No examination is required for this applicant pathway.
Application
Uniform application, applicable fees and resident background-check requirements remain applicable.
Prior License
Currently licensed for the same line in another state, or application received within 90 days of cancellation with prior good-standing certification or producer-database confirmation.

Official no-examination sources

Effective from 2026-09-22.

Resident reactivation after voluntary surrender
Wyoming Personal Lines Producer Insurance Examination
Age
At least 18 years of age.
Application
Submit a complete and truthful uniform individual application and pay applicable licensing fees.
Authority
Personal lines authority is limited to property and casualty coverage for individuals and families primarily for noncommercial purposes.
Exam Score Age
The handbook requires the examination to have been passed within the preceding twelve months.
Fingerprints
Initial resident applicants provide fingerprints, permission and payment for the criminal-history background check.
Fitness
No act constituting grounds for denial, suspension or revocation under W.S. 26-9-211; disclose criminal and administrative history.
Surrender
Previous resident license voluntarily surrendered; the Department requires taking the licensing examination again.
Resident reapplication after the twelve month reinstatement period
Wyoming Personal Lines Producer Insurance Examination
Age
At least 18 years of age.
Application
Submit a complete and truthful uniform individual application and pay applicable licensing fees.
Authority
Personal lines authority is limited to property and casualty coverage for individuals and families primarily for noncommercial purposes.
Exam Score Age
The handbook requires the examination to have been passed within the preceding twelve months.
Expired License
More than one calendar year after the missed renewal date; apply as a first-time applicant.
Fingerprints
Initial resident applicants provide fingerprints, permission and payment for the criminal-history background check.
Fitness
No act constituting grounds for denial, suspension or revocation under W.S. 26-9-211; disclose criminal and administrative history.
Hardship Waiver
Military service or other extenuating circumstances may support a request to waive examination requirements under W.S. 26-9-207(d).
Resident reinstatement within twelve months
No examination is required for this applicant pathway.
Continuing Education
Resident individuals complete 24 hours of continuing education per two-year period, including at least 3 ethics hours.
Fees
Pay the continuation fee and an equal penalty.
Time Limit
Reinstate the same license within twelve months of the continuation-fee due date.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure after relocation with same line exemption
No examination is required for this applicant pathway.
Clearance
The Department instructs incoming producers to submit a letter of clearance, paper uniform application and fees.
Regulatory Exception
W.S. 26-9-209(b) permits a contrary examination requirement only where the Commissioner determines otherwise by regulation; the supplied implementing material requires clearance rather than a new examination.
Relocation
Apply within 90 days after establishing Wyoming legal residence for lines previously held.

Official no-examination sources

Effective from 2026-09-22.

Resident license continuation and renewal
No examination is required for this applicant pathway.
Continuing Education
Resident individuals complete 24 hours of continuing education per two-year period, including at least 3 ethics hours.
Renewal
Pay the continuation fee and request continuation by the last day of the birth month in the applicable biennial cycle; remain compliant with the Insurance Code.

Official no-examination sources

Effective from 2026-09-22.

Wyoming Personal Lines Producer Insurance Examination

Provider
Pearson VUE
Format
Multiple-choice examination, general and Wyoming-specific sections; test center or OnVUE online delivery
Exam questions
100 scored questions: 75 general and 25 state; 5 additional general pretest questions
Time limit
2 hours
Passing score
70% of questions answered correctly
Exam fee
$96
Examination outline
  • I. TYPES OF PROPERTY POLICIES (10)
    • A. Homeowners
    • A.1. HO-2
    • A.2. HO-3
    • A.3. HO-4
    • A.4. HO-5
    • A.5. HO-6
    • A.6. HO-8
    • B. Dwelling policies
    • B.1. DP-1
    • B.2. DP-2
    • B.3. DP-3
    • C. Inland marine
    • C.1. Personal Articles floaters
    • D. National Flood Insurance Program
    • E. Others
    • E.1. Earthquake
    • E.2. Mobile Homes
    • E.3. Watercraft
    • E.4. Windstorm
  • II. TYPES OF CASUALTY POLICIES (13)
    • A. Automobile: personal auto
    • A.1. Liability
    • A.1.a. Bodily Injury
    • A.1.b. Property Damage
    • A.1.c. Split Limits
    • A.1.d. Combined Single Limit
    • A.2. Medical Payments
    • A.3. Physical Damage (collision; other than collision; specified perils)
    • A.4. Uninsured motorists
    • A.5. Underinsured motorists
    • A.6. Who is an insured
    • A.7. Types of Auto
    • A.7.a. Owned
    • A.7.b. Non-owned
    • A.7.c. Hired
    • A.7.d. Temporary Substitute
    • A.7.e. Newly Acquired Autos
    • A.7.f. Transportation Expense and Rental Reimbursement Expense
    • A.8. Exclusions
    • B. Umbrella/Excess liability
  • III. PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS (28)
    • A. Insurance
    • A.1. Law of Large Numbers
    • B. Insurable interest
    • C. Risk
    • C.1. Pure vs. Speculative Risk
    • D. Hazard
    • D.1. Moral
    • D.2. Morale
    • D.3. Physical
    • E. Peril
    • F. Loss
    • F.1. Direct
    • F.2. Indirect
    • G. Loss Valuation
    • G.1. Actual cash value
    • G.2. Replacement cost
    • G.3. Market value
    • G.4. Stated value
    • G.5. Salvage value
    • H. Proximate cause
    • I. Deductible
    • J. Indemnity
    • K. Limits of liability
    • L. Coinsurance/Insurance to value
    • M. Occurrence
    • N. Cancellation
    • O. Nonrenewal
    • P. Vacancy and unoccupancy
    • Q. Liability
    • Q.1. Absolute
    • Q.2. Strict
    • Q.3. Vicarious
    • R. Negligence
    • S. Binder
    • T. Endorsements
    • U. Blanket vs. Specific
    • V. Burglary, Robbery, Theft, and Mysterious Disappearance
    • W. Warranties
    • X. Representations
    • Y. Concealment
    • Z. Deposit Premium/Audit
    • AA. Certificate of Insurance
    • BB. Damages
    • BB.1. Compensatory
    • BB.1.a. General
    • BB.1.b. Special
    • BB.2. Punitive
    • CC. Compliance with Provisions of Fair Credit Reporting Act
  • IV. PROPERTY AND CASUALTY POLICY PROVISIONS AND CONTRACT LAW (24)
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Obligations of the insurance company
    • H. Mortgagee rights
    • I. Proof of loss
    • J. Notice of claim
    • K. Appraisal
    • L. Other Insurance Provision
    • M. Subrogation
    • N. Elements of a contract
    • O. Sources of underwriting information
    • P. Fair Credit Reporting Act
    • Q. Privacy Protection (Gramm Leach Bliley)
    • R. Policy Application
    • S. Terrorism Risk Insurance Act (TRIA)
    • T. Cancellation and nonrenewal provisions
    • U. Supplementary payments
    • V. Loss settlement provisions including consent to settle a loss
    • W. Territory
  • I. WYOMING STATUTES AND REGULATIONS COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE (15)
    • A. Insurance Commissioner
    • A.1. Appointment
    • A.2. General powers and duties
    • A.3. Examinations
    • A.4. Orders and hearings
    • A.5. Penalties
    • B. Definitions
    • B.1. Domestic company
    • B.2. Foreign company
    • B.3. Alien company
    • B.4. Stock and mutual companies and reciprocals
    • B.5. Reciprocal
    • B.6. Certificate of authority
    • C. Licensing
    • C.1. Persons required to be licensed
    • C.1.a. Producer/business entity
    • C.1.b. Producer acting as broker
    • C.1.c. Consultant
    • C.1.d. Limited lines
    • C.1.e. Surplus lines broker
    • C.1.f. Nonresident
    • C.1.g. Temporary license
    • C.2. Agent appointment/termination of contract
    • C.3. Obtaining a license
    • C.3.a. Qualifications
    • C.3.b. Exemptions/exceptions
    • C.3.c. License denial
    • C.4. Maintaining a license
    • C.4.a. Continuing education
    • C.4.b. Change of address
    • C.4.c. Fees/renewal/reinstatement
    • C.4.d. License expiration/termination
    • C.4.e. Suspension or revocation of licenses
    • C.4.f. Reporting of actions
    • C.4.g. Penalties
    • D. Producer responsibilities
    • D.1. Financial responsibility
    • D.1.a. Proof of financial responsibility defined
    • D.1.b. Persons required to show proof
    • D.1.c. Penalty for noncompliance
    • D.1.d. Methods of satisfying financial responsibility
    • D.2. Fiduciary capacity
    • D.2.a. Premium accountability
    • D.2.b. Separate account requirements
    • D.3. Commissions and compensation
    • D.4. Place of business of licensees/display of licenses/records
    • D.5. Agency vs. individual licensee
    • E. Unfair trade practices
    • E.1. Boycott, coercion, intimidation
    • E.2. Controlled business
    • E.3. Defamation
    • E.4. False advertising
    • E.5. False financial statements
    • E.6. Fraud
    • E.7. Misrepresentation
    • E.8. Rebates/illegal inducements
    • E.9. Unfair discrimination
    • E.10. Unfair claims settlement practices
    • F. Wyoming Insurance Guaranty Association
    • G. Consumer privacy regulation
  • II. WYOMING STATUTES, RULES AND REGULATIONS PERTINENT TO PROPERTY AND CASUALTY INSURANCE ONLY (4)
    • A. Renewal, Nonrenewal, Cancellation
    • B. Binders
    • C. Payment of claims
    • D. Terrorism Risk Insurance Act of 2002 and Extension Act of 2005
  • III. WYOMING STATUTES, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY (6)
    • A. Automobile Insurance
    • A.1. Uninsured/underinsured motorists coverage
    • A.1.a. Required coverages
    • A.1.a.(1). Bodily injury
    • A.1.b. Option for additional coverage
    • A.2. Cancellation/nonrenewal
    • A.3. Wyoming Automobile Insurance (Assigned Risk) Plan
Examination sources