- The UT P&C Exam Blueprint at a Glance
- Domain 1: Insurance Regulation (11%)
- Domain 2: General Insurance (10%)
- Domain 3: Property and Casualty Insurance Basics (12%)
- Domain 4: Dwelling Policy (4%)
- Domain 5: Homeowners Policy (12%)
- Domain 6: Auto Insurance (13%)
- Domain 7: Commercial Package Policy (CPP) (11%)
- Domain 8: Businessowners Policy (8%)
- Domain 9: Workers Compensation Insurance (11%)
- Domain 10: Other Coverages and Options (8%)
- Sequencing Your Domain Review
- Registration and Exam-Day Mechanics
- Frequently Asked Questions
- The Series 17-04 exam covers 10 domains across 150 scored questions in 2 hours 30 minutes.
- Auto Insurance is the single largest domain at 13%, followed by Property and Casualty Basics and Homeowners at 12% each.
- Dwelling Policy is the smallest domain at just 4%, so don't over-invest study time there.
- Utah requires no prelicensing education, so domain mastery comes entirely from self-study or a course.
The UT P&C Exam Blueprint at a Glance
The Utah Producer's Combined Property and Casualty Exam - Series 17-04 - is administered by Prometric on behalf of the Utah Insurance Department. Every candidate faces the same structure: 150 scored multiple-choice questions plus 5 unscored experimental items seeded in randomly, for a total of 155 questions, all within a 2-hour 30-minute window. You won't know which 5 are experimental, so every question deserves your full attention. A score of 70% or higher on the scored portion is required to pass, and results are delivered immediately after you finish, whether you test at a physical Prometric center or remotely through ProProctor.
Unlike some producer lines, Utah does not mandate prelicensing coursework for this exam. That flexibility is attractive, but it also means the entire burden of learning ten distinct content areas falls on your own preparation plan. Before diving into the individual domains below, it's worth reviewing the full UT P&C Study Guide 2026 for a broader framework, and checking the UT P&C Passing Score 2026 guide to understand exactly how the 70% threshold is calculated against the 150 scored items.
| Domain | Weight | Relative Priority |
|---|---|---|
| 1. Insurance Regulation | 11% | High |
| 2. General Insurance | 10% | Medium-High |
| 3. Property and Casualty Insurance Basics | 12% | High |
| 4. Dwelling Policy | 4% | Low |
| 5. Homeowners Policy | 12% | High |
| 6. Auto Insurance | 13% | Highest |
| 7. Commercial Package Policy (CPP) | 11% | High |
| 8. Businessowners Policy | 8% | Medium |
| 9. Workers Compensation Insurance | 11% | High |
| 10. Other Coverages and Options | 8% | Medium |
Domain 1: Insurance Regulation (11%)
What This Domain Covers
This section tests your knowledge of how the Utah Insurance Department oversees producers, policies, and market conduct. Expect questions on licensing authority, producer duties, unfair trade practices, and the regulatory relationship between the state and insurers operating within it.
- Producer licensing standards and the Utah Insurance Department's role
- Unfair claims settlement and trade practice rules
- Policy delivery, cancellation, and nonrenewal notice requirements
- Consumer protection provisions unique to state regulation
Domain 2: General Insurance (10%)
What This Domain Covers
General Insurance lays the vocabulary and conceptual groundwork you'll rely on for every other domain. Underwriting logic, risk classification, and basic contract law show up repeatedly, so weak fundamentals here will cost you points across the entire exam.
- Elements of an insurance contract: offer, acceptance, consideration
- Insurable interest, indemnity, and subrogation principles
- Underwriting and rating basics
- Common policy provisions and endorsements terminology
Domain 3: Property and Casualty Insurance Basics (12%)
What This Domain Covers
Tied with Homeowners as one of the two heaviest domains outside Auto, this section drills into core property and liability concepts that underpin the policy-specific domains later in the exam. If you're weak here, Domains 5 through 10 will feel harder than they should.
- Named-peril vs. open-peril (all-risk) policy structures
- Direct vs. indirect (consequential) loss
- Liability fundamentals: negligence, defenses, and damages
- Coinsurance and how it affects claim payouts
Key Takeaway
Master Domain 3 before moving to Domains 4-8. Its concepts - coinsurance, perils, and liability basics - reappear inside the Dwelling, Homeowners, and Commercial Package Policy questions.
Domain 4: Dwelling Policy (4%)
What This Domain Covers
At just 4%, Dwelling Policy is the lightest domain on the exam. Don't skip it entirely, but don't let it eat disproportionate study hours either - a handful of questions won't sink you, and time is better spent on the heavier domains.
- DP-1, DP-2, and DP-3 form differences
- Coverage for dwellings, other structures, and fair rental value
- Typical exclusions in basic dwelling forms
Domain 5: Homeowners Policy (12%)
What This Domain Covers
Homeowners Policy ties Property and Casualty Basics for the second-largest domain weight. Expect detailed questions comparing HO forms and testing your understanding of Coverage A through F.
- HO-2, HO-3, HO-5, HO-6, and HO-8 form distinctions
- Coverage A (Dwelling) through Coverage F (Medical Payments)
- Personal liability and additional living expense provisions
- Common endorsements: scheduled personal property, replacement cost
Domain 6: Auto Insurance (13%)
What This Domain Covers
Auto Insurance is the single largest domain on the entire exam. Because it carries the most weight of any of the ten content areas, it deserves the largest block of your study calendar - treat it as the anchor domain of your entire prep plan.
- Personal Auto Policy (PAP) structure: Parts A through F
- Liability, medical payments, uninsured/underinsured motorist coverage
- Physical damage: collision and comprehensive coverage
- Rating factors and exclusions specific to personal auto
Domain 7: Commercial Package Policy (CPP) (11%)
What This Domain Covers
CPP questions test your ability to see how multiple commercial coverage parts combine under one policy. This is often where candidates without commercial lines background experience the steepest learning curve.
- Commercial property coverage parts and valuation methods
- Commercial general liability (CGL) coverage triggers
- How package policies bundle multiple coverage parts
- Common commercial exclusions and endorsements
Domain 8: Businessowners Policy (8%)
What This Domain Covers
The Businessowners Policy (BOP) domain builds directly on CPP concepts but focuses on the simplified, bundled coverage designed for small and mid-sized businesses. Understanding how a BOP differs from an à la carte CPP is a favorite exam theme.
- Eligibility criteria for businessowners policies
- Property and liability coverage bundled automatically
- Optional coverages and endorsements available under a BOP
Domain 9: Workers Compensation Insurance (11%)
What This Domain Covers
Workers Compensation carries the same 11% weight as Insurance Regulation and CPP, making it a domain you cannot afford to skim. Expect questions on both the statutory framework and the standard policy's coverage parts.
- Coverage A (statutory benefits) and Coverage B (employer's liability)
- Types of benefits: medical, disability, death, rehabilitation
- Monopolistic vs. competitive state fund concepts
- Employer duties and exclusive remedy principles
Domain 10: Other Coverages and Options (8%)
What This Domain Covers
This catch-all domain gathers miscellaneous coverages that don't fit neatly into the other nine categories. Because it draws from a broader pool of topics, questions can feel less predictable - familiarity with a wide range of terms matters more than depth on any single one.
- Umbrella and excess liability policies
- Inland marine and floater coverages
- Flood, earthquake, and other specialty coverage options
- Miscellaneous endorsements not covered in prior domains
Sequencing Your Domain Review
With ten domains and fixed weights, the smartest approach is to allocate study time roughly proportional to each domain's percentage of the exam, while still touching every domain at least once. A structured multi-week plan helps prevent the common mistake of over-studying comfortable topics (like Dwelling Policy) while neglecting harder, heavier ones (like Auto Insurance or CPP).
Foundations
- Domain 2: General Insurance concepts and terminology
- Domain 3: Property and Casualty Insurance Basics
Personal Lines
- Domain 5: Homeowners Policy forms and coverages
- Domain 4: Dwelling Policy (brief review, low weight)
- Domain 6: Auto Insurance - begin deep dive
Auto Mastery and Commercial Lines
- Domain 6: Auto Insurance - finish Parts A-F in detail
- Domain 7: Commercial Package Policy (CPP)
- Domain 8: Businessowners Policy
Regulation, Comp, and Review
- Domain 1: Insurance Regulation
- Domain 9: Workers Compensation Insurance
- Domain 10: Other Coverages and Options
- Full-length timed practice runs
If your own timeline needs adjusting based on how much you already know from prior insurance experience, the How Hard Is the UT P&C Exam? Complete Difficulty Guide 2026 breaks down which domains tend to challenge candidates the most. And if you want to gauge readiness objectively rather than by feel, running full-length timed sets on our practice test platform against each domain's weight is the fastest way to find real gaps before exam day.
Registration and Exam-Day Mechanics
Knowing the domains is only half the equation - understanding how the exam is actually delivered saves you from avoidable surprises. The Series 17-04 exam costs $44 and can be taken at a Prometric test center or remotely via ProProctor. Whichever method you choose, results post immediately when you submit your final answer, so you'll know your outcome, pass or fail, before you leave your seat.
A few mechanics matter beyond the domain content itself:
- Utah does not require prelicensing education for this producer line, so nothing stands between you and scheduling the exam once you're ready.
- Initial resident applicants must complete fingerprinting at a Utah Prometric test center as part of the licensing process.
- Once you pass, the license application and fee must be submitted within 90 days - missing that window means retesting.
For a full walkthrough of fees, fingerprinting, and eligibility rules, see the UT P&C Requirements 2026 guide and the UT P&C Certification Cost 2026 breakdown. If you're still deciding when to sit for the exam, the UT P&C Exam Dates 2026 guide covers scheduling windows and deadlines in detail.
Key Takeaway
The 90-day post-pass application window is easy to overlook while you're focused on domain content. Mark your calendar the moment you pass so licensing paperwork doesn't lapse.
Once you've built domain-by-domain familiarity, consolidating everything into a single quick-reference resource - like the UT P&C Cheat Sheet 2026 - helps during final review days when you no longer have time to reread full policy language. And for context on why mastering these ten domains pays off professionally, the UT P&C Salary Guide 2026 and Is the UT P&C Certification Worth It? ROI Analysis 2026 explore how this license translates into career opportunities across Utah's insurance market. Running a few timed sessions on the practice test platform that mirror the real 150-question, 2-hour-30-minute format is one of the best ways to confirm you're ready across all ten domains before you pay the $44 fee and lock in a seat.
Frequently Asked Questions
There are 10 content domains, ranging from Dwelling Policy at 4% up to Auto Insurance at 13%, covering regulation, general insurance concepts, and specific personal, commercial, and workers compensation policy types.
Start with Domain 2 (General Insurance) and Domain 3 (Property and Casualty Insurance Basics). Both build the foundational vocabulary and concepts - like insurable interest, coinsurance, and negligence - that the policy-specific domains rely on later.
No, but it warrants less time. At 4% of the exam, it's the lightest domain, so a quick review of DP-1 through DP-3 forms is sufficient rather than the deep study you'd apply to Auto Insurance or Homeowners Policy.
No. Utah does not require prelicensing education for this producer line, meaning all domain preparation is self-directed through study guides, practice questions, and independent review.
The exam has 150 scored questions distributed according to each domain's percentage weight - for example, roughly 13% of the 150 scored questions relate to Auto Insurance, while roughly 4% relate to Dwelling Policy.