P-II.C · Classes of Property Insurance
Classes of insurance and what a property license covers
The Insurance Code divides lines of insurance into classes (Sections 100 through 124). The outline asks for basic familiarity with the classes a property and casualty licensee may be appointed to transact:
fire
ocean marine and inland marine
surety
plate glass
liability
workers' compensation
common carrier liability
boiler and machinery
burglary
credit
sprinkler
team and vehicle
automobile
aircraft
Property vs. casualty license (Section 1625): a property license covers direct or consequential loss or damage to property of every kind, such as fire damage to a shop and the income lost as a result. A casualty license covers legal liability, including liability for damage to someone else's property.
Exam trick: damage to property is not automatically a property-license transaction. If the insured is legally liable for knocking down a neighbor's fence, that is liability coverage, which belongs to the casualty license.
Remember
· Property license = direct or consequential loss to property (§1625).
· Casualty license = legal liability, even for damage to others' property.
· 14 classes in the outline list, from fire to aircraft.
CA
California Insurance Exam Prep
Bilingual practice for the California insurance license exams.
California Insurance Exam Prep is an independent study aid published by ORIGINAL HEART INC. It is not affiliated with, endorsed by, or connected to the California Department of Insurance (CDI) or PSI Services. All practice questions are original and written from the public CDI examination objectives and California law. They are not actual exam questions. Using this app does not guarantee that you will pass the licensing exam. Laws and exam content change; always check the current CDI Candidate Information Bulletin.
© 2026 ORIGINAL HEART INC
Exam prep classes
Life and real estate license exam prep with experienced instructors.
Learn more ›