- Exam Overview and Domain Weighting
- Domain 1: Insurance Regulation (10%)
- Domain 2: General Insurance (10%)
- Domain 3: Property and Casualty Insurance Basics (13%)
- Domain 4: Dwelling Policy (5%)
- Domain 5: Homeowners Policy (13%)
- Domain 6: Auto Insurance (16%)
- Domain 7: Commercial Package Policy (10%)
- Domain 8: Businessowners Policy (12%)
- Domain 9: Workers Compensation Insurance (7%)
- Domain 10: Other Coverages and Options (3%)
- Mapping Domains to a Study Schedule
- How the Domains Show Up in the Exam Format
- Frequently Asked Questions
- Auto Insurance is the single largest domain at 16% of the 150 scored questions.
- Property and Casualty Basics and Homeowners Policy each carry 13%, making them the next priorities.
- You need 105 of 150 scored questions correct (70%) to pass, with 150 minutes to finish.
- PSI may insert 5-10 unscored experimental items you cannot identify, so treat every question seriously.
Exam Overview and Domain Weighting
The Nebraska Property & Casualty Insurance Producer Exam (Producer Property and Casualty Series 13-04) is built from ten distinct content domains, each assigned a specific percentage of the 150 scored multiple-choice questions. Understanding how those percentages break down is the single most useful thing you can do before you start studying, because it tells you exactly where your time pays off and where it doesn't. This article walks through all ten domains as tested by PSI Services LLC under the authority of the Nebraska Department of Insurance, with the concrete weighting for each.
If you haven't yet reviewed the mechanics of registration, fees, and eligibility, it's worth pairing this guide with our NE-PC Requirements 2026 guide and our breakdown of NE-PC certification cost before you dive into domain-level content.
| Domain | Weight | Approx. Scored Questions* |
|---|---|---|
| 1. Insurance Regulation | 10% | ~15 |
| 2. General Insurance | 10% | ~15 |
| 3. Property and Casualty Insurance Basics | 13% | ~20 |
| 4. Dwelling Policy | 5% | ~8 |
| 5. Homeowners Policy | 13% | ~20 |
| 6. Auto Insurance | 16% | ~24 |
| 7. Commercial Package Policy | 10% | ~15 |
| 8. Businessowners Policy | 12% | ~18 |
| 9. Workers Compensation Insurance | 7% | ~11 |
| 10. Other Coverages and Options | 3% | ~4 |
*Approximate counts based on 150 scored questions; PSI may add 5-10 additional unscored experimental items that do not count toward your result.
Domain 1: Insurance Regulation (10%)
Insurance Regulation
This domain covers how Nebraska licenses, supervises, and disciplines producers, along with the statutory framework governing the sale of property and casualty insurance in the state.
- Nebraska Department of Insurance authority, license types, and appointment requirements
- Producer duties, unfair trade practices, and grounds for license revocation
- Continuing education rules, including the 24-hour renewal cycle and 3 mandatory ethics hours
- Fraud, misrepresentation, and rebating prohibitions
Because this domain is state-specific rather than generic insurance theory, generic national study material often falls short here. Cross-check anything you study against Nebraska statute summaries rather than assuming rules from another state apply.
Domain 2: General Insurance (10%)
General Insurance
This domain tests foundational insurance concepts that apply across every line of coverage tested later in the exam - the vocabulary and mechanics you'll need to interpret every subsequent policy question.
- Basic insurance terminology: peril, hazard, indemnity, insurable interest
- Contract law elements as applied to insurance policies
- Policy structure: declarations, insuring agreement, conditions, exclusions
- Underwriting basics and risk classification
Skimping here is a common mistake because the material feels "easy," but weak fundamentals cause avoidable errors in the harder policy-specific domains later.
Domain 3: Property and Casualty Insurance Basics (13%)
Property and Casualty Insurance Basics
At 13% of the exam, this is one of the four heavyweight domains alongside Homeowners and Auto. It bridges general concepts into P&C-specific application.
- Property insurance principles: named-perils vs. open-perils forms
- Casualty and liability fundamentals: negligence, tort liability, defense costs
- Common policy provisions: coinsurance, deductibles, endorsements
- Loss valuation methods: actual cash value vs. replacement cost
Key Takeaway
Because Domain 3 shares terminology with Domains 5, 6, 7, and 8, mastering it thoroughly makes every subsequent policy-specific domain faster to learn.
Domain 4: Dwelling Policy (5%)
Dwelling Policy
The smallest of the residential-property domains, Dwelling Policy still deserves focused review since its content rarely overlaps with Homeowners.
- DP-1, DP-2, and DP-3 form distinctions
- Coverage for dwelling, other structures, and fair rental value
- Perils insured against by form type
- Eligibility differences between dwelling and homeowners policies
At only 5% of scored questions, don't over-invest here relative to higher-weight domains - a proportional review pass is usually sufficient.
Domain 5: Homeowners Policy (13%)
Homeowners Policy
Tied with Property and Casualty Basics as the second-largest domain, Homeowners Policy demands deep familiarity with the standard HO forms.
- HO-2, HO-3, HO-4, HO-5, HO-6, and HO-8 form comparisons
- Coverage A through F: dwelling, other structures, personal property, loss of use, liability, medical payments
- Exclusions and endorsements, including scheduled personal property
- Perils covered under each form and how open-perils vs. named-perils applies
Because Homeowners questions often present a scenario and ask which form or coverage applies, practice with scenario-based questions rather than pure memorization. Our NE-PC Cheat Sheet condenses the HO form differences into a single quick-reference page.
Domain 6: Auto Insurance (16%)
Auto Insurance
This domain covers the Personal Auto Policy (PAP) in depth, along with related liability and financial responsibility concepts.
- PAP structure: Parts A through F (liability, medical payments, uninsured motorists, damage to your auto, duties, general provisions)
- Financial responsibility and compulsory insurance laws
- No-fault concepts and underinsured/uninsured motorist coverage
- Exclusions, territorial limits, and rating factors
Given its weight, Auto Insurance deserves the largest single block of study time in your plan. If you're unsure how much total effort the exam requires overall, our difficulty guide puts this domain's weight in context against the other nine.
Domain 7: Commercial Package Policy (10%)
Commercial Package Policy
This domain shifts from personal lines into commercial exposures, testing how multiple commercial coverage parts combine into a single package policy.
- Commercial property coverage forms and causes-of-loss forms
- Commercial general liability (CGL) coverage triggers: occurrence vs. claims-made
- Inland marine and equipment floater basics
- How package policies combine coverage parts under one contract
Domain 8: Businessowners Policy (12%)
Businessowners Policy (BOP)
At 12%, the BOP domain is nearly as heavily weighted as Homeowners and Property and Casualty Basics, so it deserves comparable study time.
- Eligibility criteria for a BOP versus a full commercial package policy
- Property, liability, and business income coverage bundled in a BOP
- Common endorsements and exclusions specific to small-business risks
- Differences between BOP and standalone commercial property/liability policies
Candidates sometimes confuse Commercial Package Policy and Businessowners Policy content since both deal with commercial risk. Build a comparison chart contrasting eligibility, structure, and flexibility between the two - this single exercise resolves a large share of exam confusion in Domains 7 and 8.
Domain 9: Workers Compensation Insurance (7%)
Workers Compensation Insurance
A moderate-weight domain that tests statutory employer obligations and the standard workers compensation policy structure.
- Employer liability vs. statutory workers compensation coverage
- Coverage Parts One and Two of the standard policy
- Exclusive remedy doctrine and covered injuries
- Monopolistic vs. competitive state fund concepts as they relate to policy design
Domain 10: Other Coverages and Options (3%)
Other Coverages and Options
The smallest domain at just 3% of scored questions, but don't skip it entirely - a handful of overlooked points here can still swing a borderline score.
- Umbrella and excess liability policies
- Flood insurance basics (note: producers need a one-time 3-hour NFIP course before actually selling flood coverage, separate from exam content)
- Miscellaneous endorsements and specialty coverage options
Mapping Domains to a Study Schedule
Once you know the weighting, the next step is sequencing. Rather than studying domains in numerical order, group them by size and dependency: foundational domains first, then the four heavyweight domains, then the smaller supporting domains.
Foundations
- Domain 1: Insurance Regulation
- Domain 2: General Insurance
Core P&C Concepts and Residential Property
- Domain 3: Property and Casualty Insurance Basics
- Domain 4: Dwelling Policy
- Domain 5: Homeowners Policy
Auto and Commercial Lines
- Domain 6: Auto Insurance (heaviest weight - allocate the most time)
- Domain 7: Commercial Package Policy
- Domain 8: Businessowners Policy
Remaining Domains and Full Review
- Domain 9: Workers Compensation Insurance
- Domain 10: Other Coverages and Options
- Full-length timed practice runs
For a more detailed week-by-week methodology, including how to layer in timed practice sessions, see our full NE-PC Study Guide.
How the Domains Show Up in the Exam Format
All ten domains are blended together across the 150 scored multiple-choice questions - there is no separate section per domain, and you won't know which questions are the 5-10 unscored experimental items PSI may include. You have 150 minutes total, and the exam is closed-book: no calculators or reference materials are permitted during the test.
Effective March 16, 2026, Nebraska candidates must test at a physical PSI testing site, since the remote-proctoring option is being discontinued. Plan your test-day logistics accordingly, and confirm your appointment details well ahead of time - our NE-PC Exam Dates guide covers scheduling windows and deadlines in more detail.
For the exact scoring mechanics and how PSI calculates your result, see our dedicated NE-PC Passing Score guide. And if you want a broader look at how test-takers generally perform across all ten domains, our NE-PC Pass Rate article breaks down what the available data shows.
Who These Domains Matter To
Because Nebraska has no mandatory prelicensing education requirement, many candidates come to these ten domains cold, without a classroom course behind them. That makes a domain-by-domain self-study approach - using full-length practice tests to simulate the real 150-question, 150-minute format - especially valuable. Insurance agencies, independent brokerages, and captive carrier offices hiring in Nebraska generally expect new producers to already hold a passing score before extending an offer, so mastering these domains directly affects your job search timeline as much as your license timeline.
If you're weighing whether pursuing this license is worth the $47 exam fee and $50 application fee in the context of your career plans, our ROI analysis and salary guide go into that decision in more depth. For practice questions organized by these exact ten domains, you can also work through sets on our practice test platform.
Frequently Asked Questions
Auto Insurance is the largest domain at 16% of the 150 scored questions, followed by Property and Casualty Insurance Basics and Homeowners Policy, each at 13%.
No. The passing standard is 70% overall - 105 of 150 scored questions correct - with no separate minimum required per individual domain.
Questions from all ten domains are blended throughout the 150-question exam rather than grouped into distinct sections.
Yes, briefly. At 3% it represents only a few questions, but reviewing umbrella policies and flood insurance basics is low-effort and can still help you clear the 70% threshold.
No. The NE-PC exam is closed-book, and calculators and reference materials are prohibited, including for calculation-based questions in domains like Property and Casualty Basics.