California (CA) - State Law Study Guide for Property & Casualty

California P&C / Personal Lines State Law Study Guide (2026 Edition)

Master the California State Law portion of your Property, Casualty, or Personal Lines exam with this clear, 2026‑updated guide aligned to the current PSI and California Department of Insurance outline. This guide covers the full “California Insurance Regulation + State‑Specific Property/Casualty & Personal Lines Rules” section of your exam, including the exact code sections, deadlines, dollar amounts, and penalties California loves to test.

What You Get

• Complete California “Insurance Regulation” coverage: Insurance Commissioner and CDI, licensing and appointments, CE and renewal, producer ethics and fiduciary duties, unfair trade and unfair claims settlement practices, surplus lines rules, penalties, privacy rules, and required disclosures.

• All state‑law content you need for California’s Property Broker‑Agent, Personal Lines Agent, and Commercial Lines add‑on exams, with clear guidance on which Parts of the guide matter most for each license type.

• Plain‑English explanations, memory tricks, and charts for the big exam topics: FCRA, 18 USC 1033 “prohibited persons,” NFIP basics, McCarran‑Ferguson, California’s elected Insurance Commissioner, admitted vs. non‑admitted, domestic/foreign/alien, stock vs. mutual, surplus lines, SCIF and workers comp rules, CEA, FAIR Plan, CIGA, Prop 103 and Good Driver rules, and more.

California Numbers, Deadlines, and Exam Favorites

• Every key California number and timing rule in one place: 2‑year license term, 24 hours of CE with 3 hours of ethics per renewal, 30‑day reporting windows for address and background changes, claims‑handling timeframes (acknowledge, investigate, decide, and pay), residential replacement‑cost timelines, and the 30% of Coverage C emergency personal property payout after a declared disaster.

• Targeted coverage of California hot spots: the 16 unfair claims settlement practices, special protections for seniors, residential property disclosures and wildfire/state‑of‑emergency protections, California auto minimum limits and Good Driver discount, mandatory workers compensation and the ABC test, plus surplus lines placement rules and penalties for using non‑admitted insurers incorrectly.

Study Features

• Built‑in flashcard prompts, quick‑reference charts, short section quizzes, and a Rapid Review list at the end so you can do a fast, last‑minute lock‑in of the most testable facts right before your exam.

• Structured in three parts so you can match your studying to your California license:

  • Part 1 – Common to All Lines (CDI, licensing, ethics, federal laws, unfair trade and claims practices).

  • Part 2 – Property & Commercial Rules (commercial property, commercial liability, workers comp, BOP, SCIF).

  • Part 3 – Personal Lines Rules (California‑specific homeowners, personal auto, CEA, FAIR Plan, residential disclosures and disaster protections).

36 pages – Fully printable