Download the PDF or read below what I have written up what is most important for your state exam if you are in California, and where you should spend your time during your studies.
MOST IMPORTANT THINGS TO KNOW
In CA you want to focus on General Insurance (31% of your Exam) and Personal Lines (38% of your exam) is made up of Dwelling, Home, Auto, Flood and Umbrella. These categories require memorization of names, amounts, some math, and a working understanding of how this type of insurance works.
General Insurance is 31% of your exam and is the foundational chapter and when you know it well, it helps with all the other chapters. You want to be very good at knowing these terms, especially anything related to contract law. All my Royal Treatment Class Series include a General Insurance Terms Class.
DWELLING & HOMEOWNERS
Dwelling and Homeowners (Property Policies) can seem difficult to understand but after I break them down in my Royal Treatment Class Series, you’ll see how easy you can get a lot of points in these chapters. You’ll want to focus on policy names, policy coverages and amounts, which are Named or Open Peril. All my Royal Treatment Class Series include a Dwelling and Homeowners Class.
Flood is also a part of personal lines but it’s not a highly tested topic. There are some key things to know about flood and my Royal Treatment Class Series will go over them and tell you what to memorize.
There are also math questions related to Property Policies, but you never quite know if you’ll get 0 or 5 questions with math. It won’t break you to fail every math question if you are strong in other areas, but it certainly helps to be prepared for them and I teach them very simply. The math on the exam requires a memorization of insurance rules, coverage amounts, an equation to learn and input into a calculator (most every state allows calculators). All of my Royal Treatment Class Series include math examples.
Now, in CA, Commercial is a big chuck on the exam, over 30%, BUT you do not need to know Commercial Policies to be able to pass because you only need a 60% to pass your whole exam. Commercial is hundreds of pages worth of study and content and you don’t need to know it all.
All of my Royal Treatment Class Series include a Commercial Class that tells you what to focus on, saving you hours and stress. My Gold Series has the most extensive commercial videos - including CGL, Workers Comp and Bonds. Again, if you are taking the Personal Lines exam, you do not need to know any Commercial Policies.
For Auto insurance, you’ll get tested on both Personal Auto and Commercial Auto. Personal Auto is easier, so make that your biggest focus. Memorize the Parts of an Auto Policy, how they respond in an accident and definitions like Split Limit and Per Occurrence. All my Royal Treatment Class Series include an Auto Class that tells you what to focus on.
Umbrella Policies are an easy concept to get points on. All my Royal Treatment Class Series include an Umbrella Class that tells you what to focus on.
Pet insurance only makes up 2% of the whole exam so it’s not worth your brain space to know it. I do not cover it at all. In short, Get My Royal Treatment Class Series which includes Bronze, Silver, Gold and Platinum. All come with 100 days of access.
Next: Select your course & Click to buy
My Class Series comes in these packages: Platinum, Gold, Silver and Bronze and all give 100 days access.
Click to Buy Course: Property & Casualty: PLATINUM
Gold + the ability to talk to me daily as you study in Group Tutoring Telegram Group, it’s like having me on speed dial, plus you’ll get free tickets to all P&C Classes during your 100 Days Access. Additionally, there are over 30 extra hours of classes of unreleased exclusive content in the Platinum Membership.
Click to Buy Course: Property & Casualty: GOLD
Gold is ALWAYS the recommended class series for all students as it teaches the material in more depth. Over 30 hours of the most in depth classes with a more intensive teaching of the topic, plus colorful student notes and practice questions. With Gold, you will also get access to Silver and Bronze!
Click to Buy Course: Property& Casualty: SILVER
Silver is designed as a deeper review with 14 hours of video.
Click to Buy Course: Property & Casualty: BRONZE
Basic Review with 8 hours of class recordings.
Click to Buy Practice Quizzes & Exams