NH-PC Exam Domains 2026: Complete Guide to All 13 Content Areas

Overview: How the Series 12-64 Blueprint Works

The New Hampshire Insurance Department outsources delivery of the New Hampshire Property & Casualty Insurance Producer Exam to PSI, where it's cataloged as Series 12-64. According to the candidate bulletin dated August 4, 2026, the exam consists of 150 scored questions, with PSI permitted to insert 5 to 10 additional unscored experimental items that are indistinguishable from scored ones. Candidates get 2 hours and 30 minutes to work through the full form, and the exam fee is $72 per attempt.

Unlike many state licensing exams, no prelicensing course is mandatory before you sit for Series 12-64 - you can self-study and go straight to testing. That flexibility is exactly why understanding the 13-domain content outline matters so much: without a mandated course pacing your preparation, you are responsible for weighting your study time correctly. This guide breaks down every domain by its exact percentage so you can build a study plan around measurable priorities rather than guesswork. For a broader walkthrough of registration mechanics and test-day logistics, see the NH-PC Study Guide 2026.

Domain 1: Insurance Regulation (13%)

Because Insurance Regulation is worth 13% - nearly one in eight questions on the exam - treating it as an afterthought is a common mistake among candidates who assume "law questions" are easy memorization. They are, but only if you've actually reviewed the state-specific statutory language rather than generic industry norms. If you're weighing how difficult this section tends to feel relative to the rest of the exam, the How Hard Is the NH-PC Exam? guide breaks down where candidates typically lose points.

Domain 2: Federal Laws and Regulations (2%)

At just 2% of the exam, Federal Laws and Regulations is one of the smallest domains, but it's not skippable - a handful of questions can still separate a pass from a retake. This domain typically covers federal-level requirements that intersect with state producer activity, such as privacy and information-sharing rules that apply across state lines. Because the weight is low, cap your study time here at a light review pass rather than deep memorization drills; your hours are far better spent on the larger domains below.

Domain 3: General Insurance Concepts (14%)

Candidates frequently underestimate this domain because the vocabulary feels familiar from everyday life. But the exam tests precise definitions and how those terms interact within a policy contract - a subtly different skill than casual familiarity.

Domain 4: Property and Casualty Insurance Basics (17%)

Given its size, this is the domain you should schedule the most repeated review sessions for. Treat any practice questions tied to Property and Casualty Insurance Basics as diagnostic - missing them repeatedly signals a foundational gap that will ripple into Domains 5 through 12.

Domain 5: Dwelling Policy Concepts (3%)

Dwelling Policy Concepts is a narrow, low-weight domain covering the DP-1, DP-2, and DP-3 forms typically used for non-owner-occupied or secondary residences. Expect a small number of questions distinguishing dwelling policies from homeowners policies, along with coverage forms and perils insured against. At 3%, this domain warrants a focused but brief review - enough to confidently answer two or three questions, not enough to dominate your calendar.

Homeowners Policy Concepts (10%)

Because this domain mirrors real-world producer work so closely, it's also a good predictor of your readiness for the job itself, not just the test. If you're researching what kind of roles use this material day-to-day, the NH-PC Jobs overview covers common employers hiring newly licensed producers.

Domain 7: Personal Automobile Policy (11%)

Questions here often present a short claim scenario and ask which policy part responds, so practicing scenario-based questions matters more than flashcard memorization alone.

Domain 8: Commercial Automobile Policy (3%)

Commercial Automobile Policy sits at 3%, a modest weight that still requires you to know how the Business Auto Coverage Form differs structurally from the personal auto policy - particularly around covered autos symbols, hired and non-owned auto coverage, and liability limits. Given the low percentage, prioritize recognizing the contrasts with Domain 7 rather than exhaustively studying every commercial endorsement.

Domain 9: Commercial Property Policies (9%)

This domain rewards candidates who can clearly separate commercial forms from the personal-lines equivalents covered in Domains 5 and 6 - the exam frequently tests whether you know which form applies to which situation.

Domain 10: Commercial General Liability (9%)

Combined, Domains 9 and 10 make up 18% of the exam - larger than any single domain except Property and Casualty Insurance Basics - so commercial lines as a category deserve serious, sustained attention rather than a rushed weekend review.

Domain 11: Businessowners Policy (4%)

The Businessowners Policy (BOP) domain, at 4%, tests how property and liability coverages combine into a single packaged policy for eligible small and mid-sized businesses. Focus on eligibility requirements, what's automatically included versus what requires an endorsement, and how a BOP differs from purchasing separate commercial property and CGL policies. Because this domain builds directly on Domains 9 and 10, studying it right after those two sections reinforces retention rather than starting from scratch.

Domain 12: Other Types of Property and Casualty Insurance (3%)

This domain, weighted at 3%, is a catch-all covering the purpose and general characteristics of specialty P&C products that don't warrant their own dedicated domain - think umbrella/excess liability, inland marine, crime coverage, and similar niche lines. You're tested on general purpose and characteristics, not deep policy-form detail, so a conceptual overview is sufficient preparation relative to its weight.

Domain 13: Workers' Compensation Laws (2%)

Workers' Compensation Laws closes out the blueprint at 2%, the same weight as Federal Laws and Regulations. Expect questions on the purpose of workers' compensation, covered injuries, and the basic structure of employer liability coverage under standard workers' comp policies. Given the low weight, a single focused review session is typically enough - don't let this domain crowd out time needed for the larger domains above.

Mapping the Domains to a Study Sequence

Rather than studying domains in numerical order, sequence them by conceptual dependency and weight. General Insurance Concepts (Domain 3) and Property and Casualty Insurance Basics (Domain 4) should come first because every other domain assumes familiarity with their terminology and structure. From there, move into personal lines (Domains 5, 6, 7, 8) before tackling commercial lines (Domains 9, 10, 11), and close with the low-weight regulatory and specialty domains (1, 2, 12, 13) as a final review layer.

For a deeper dive into pacing an entire prep schedule around this sequence, see the NH-PC Study Guide 2026, and if you want a condensed, single-page reference for last-minute review across all 13 domains, check the NH-PC Cheat Sheet 2026.

Registration Notes Worth Knowing Before You Study

A few mechanics from the candidate bulletin affect how you should plan your study timeline. Resident applicants pass Series 12-64 first, then submit the producer application and fees electronically through NIPR - so passing the exam is a prerequisite step, not a parallel one. CPCU designees may be eligible for the state-law-only Series 12-81 route instead of the full content outline covered here, and qualifying new residents who held equivalent authority in another state within the previous 90 days may receive an exam waiver entirely. If either exception might apply to you, review the full eligibility criteria in NH-PC Requirements 2026 before committing to a full 13-domain study plan.

Also note that the July 2026 remote-proctoring cutoff discussed in industry updates applies specifically to the Life and combined Life, Accident and Health producer exams - it does not change how or where you can sit for Series 12-64. You can still test at a PSI center or via remote proctoring for this exam. For exact scheduling windows and deadlines, see NH-PC Exam Dates 2026.

Once you've mapped out your domain priorities, reinforce them with realistic, timed practice. Working through full-length simulations on our practice test platform is the most direct way to see how the 13 domains actually get distributed across a 150-question form, rather than guessing from percentages alone. Repeated exposure to that exact mix - heavy on Domains 3, 4, 1, 6, and 7, light on the rest - is what turns a percentage chart into real exam readiness.

Frequently Asked Questions