- NH-PC is the New Hampshire Property & Casualty Insurance Producer Exam, administered by PSI as Series 12-64.
- The exam costs $72, has 150 scored items plus up to 10 unscored questions, and runs 2 hours 30 minutes.
- Property and Casualty Insurance Basics is the largest domain at 17% of the exam.
- No prelicensing course is required, but the passed exam and application must go through NIPR electronically.
What NH-PC Actually Means
NH-PC stands for the New Hampshire Property & Casualty Insurance Producer Exam. It is the state-mandated licensing test administered under the New Hampshire Insurance Department's authority and delivered through the testing vendor PSI, where it is catalogued internally as Series 12-64. If you've seen "NH-PC" used elsewhere to describe something unrelated - a different certification, a different industry acronym - that is not what this site covers. On nhpcexam.com, NH-PC refers exclusively to the property and casualty producer licensing exam candidates must pass to sell P&C insurance products in New Hampshire.
This distinction matters because insurance licensing exams are state-specific. Passing NH-PC authorizes you to operate as a property and casualty producer in New Hampshire; it is not a national designation, and it does not carry over automatically the way some professional certifications do. For a full walkthrough of the underlying credential and what it authorizes you to do, see What Is NH-PC? and NH-PC Certification.
How the Exam Is Structured
According to the PSI candidate bulletin dated August 4, 2026, the NH-PC exam (Series 12-64) is built as follows:
- 150 scored questions covering the 13 content domains listed in the exam outline.
- 5 to 10 unscored, experimental items may be mixed in without notice - you won't know which questions are experimental, so every question should be treated as if it counts.
- Time limit: 2 hours 30 minutes to complete the full exam.
- Exam fee: $72, payable at registration.
There is no prelicensing course requirement in New Hampshire for this exam - candidates can self-study and sit for the exam directly. That makes independent preparation resources especially important, since there's no mandatory classroom structure to lean on. If you want a sense of how the format actually feels question-to-question before test day, our NH-PC Study Guide 2026: How to Pass on Your First Attempt walks through pacing strategy for the 150-item, 2.5-hour window.
Key Takeaway
With 150 scored items in 150 minutes, you have roughly one minute per question on average - but property/casualty exams often front-load simpler regulatory questions and save scenario-based coverage questions for later, so don't panic if the back half feels slower.
The 13 Content Domains
NH-PC is organized into 13 domains, each weighted differently in terms of how many exam questions come from that area. Understanding these weights is the single most efficient way to allocate study time, because not all domains are created equal.
| Domain | Weight |
|---|---|
| Property and Casualty Insurance Basics | 17% |
| General Insurance Concepts | 14% |
| Insurance Regulation | 13% |
| Personal Automobile Policy | 11% |
| Homeowners Policy Concepts | 10% |
| Commercial Property Policies | 9% |
| Commercial General Liability | 9% |
| Businessowners Policy | 4% |
| Dwelling Policy Concepts | 3% |
| Commercial Automobile Policy | 3% |
| Other Types of Property and Casualty Insurance | 3% |
| Federal Laws and Regulations | 2% |
| Workers' Compensation Laws | 2% |
Domain 4: Property and Casualty Insurance Basics (17%)
This is the largest single domain and covers the foundational vocabulary and mechanics that every other domain builds on - things like policy structure, underwriting concepts, and how coverage is triggered and limited.
- Insurable interest and indemnity principles
- Policy conditions, exclusions, and endorsements
- Loss valuation methods and coverage limits
Domain 3: General Insurance Concepts (14%)
The second-largest domain tests broad concepts that apply across both personal and commercial lines rather than product-specific rules.
- Risk management and risk transfer basics
- Contract law elements as applied to insurance policies
- Underwriting and rating fundamentals
Because these two domains alone account for roughly a third of the scored questions, candidates who under-study "the basics" in favor of memorizing niche commercial forms often leave points on the table. For a domain-by-domain breakdown of exactly what falls under each of the 13 areas, see NH-PC Exam Domains 2026: Complete Guide to All 13 Content Areas.
Registration, Fees, and Testing Options
Registering for NH-PC involves a few mechanical steps that differ from some other producer exams, so it's worth knowing the sequence before you schedule anything.
- Cost: The exam fee is $72, paid directly to PSI at scheduling.
- Testing format: Candidates may sit for the exam at a physical PSI test center or use remote proctoring.
- Remote testing note: A July 2026 remote-testing cutoff applies to the Life and combined Life, Accident and Health producer exams - it does not apply to Series 12-64, so remote proctoring remains available for NH-PC candidates.
- After passing: Resident applicants must submit the producer license application and fees electronically through NIPR (National Insurance Producer Registry). Passing the exam is not the same as being licensed - the NIPR step is a required follow-up.
For a complete cost breakdown, including how the $72 exam fee fits alongside licensing and NIPR filing costs, read NH-PC Certification Cost 2026: Complete Pricing Breakdown. And if you're trying to plan around specific testing windows or how far in advance to register, check NH-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Who Needs NH-PC and Who Hires For It
Anyone seeking to sell, solicit, or negotiate property and casualty insurance in New Hampshire as a resident producer needs to pass this exam. In practice, that includes candidates pursuing roles at:
- Independent insurance agencies writing personal and commercial P&C business
- Direct-writer insurance carriers hiring in-house producers
- Commercial brokerages handling businessowners, commercial general liability, and commercial property accounts
- Agencies specializing in auto, homeowners, and dwelling coverage for individual clients
Because the domain weighting leans heavily toward personal lines (auto and homeowners combined make up a significant share) while still requiring solid command of commercial property, commercial general liability, and businessowners policies, NH-PC-licensed producers are expected to be conversationally fluent across both personal and small commercial accounts - not narrowly specialized. If you're evaluating whether this career path is worth pursuing before you invest study time, Is the NH-PC Certification Worth It? Complete ROI Analysis 2026 and NH-PC Salary Guide 2026: Complete Earnings Analysis are useful starting points. For candidates actively job-hunting post-licensure, NH-PC Jobs covers where licensed producers typically land.
Alternate Paths: Waivers and the CPCU Route
Not every candidate has to sit for the full 150-question Series 12-64 exam. Two exceptions exist:
- CPCU designees: Candidates who hold the CPCU designation may qualify for the state-law-only Series 12-81 route instead of the full property and casualty exam - this shorter path focuses specifically on New Hampshire insurance law rather than retesting general P&C concepts already validated by the CPCU credential.
- New resident waivers: Qualifying new residents who held equivalent producer authority in another state within the previous 90 days may receive an exam waiver entirely, avoiding the need to retest.
If neither exception applies to you, the standard Series 12-64 exam is the path forward. For the full eligibility rules, including residency requirements and documentation needed for a waiver request, see NH-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Mapping Study Time to the Domains
Because there's no mandatory prelicensing course, structuring your own study plan around the domain weights is the most efficient use of limited prep time. A simple approach: spend the most calendar time on the domains carrying the most exam weight, and compress your review of low-weight domains into short, targeted sessions rather than deep dives.
Foundational Domains
- Property and Casualty Insurance Basics (17%)
- General Insurance Concepts (14%)
- Insurance Regulation (13%)
Personal Lines
- Personal Automobile Policy (11%)
- Homeowners Policy Concepts (10%)
- Dwelling Policy Concepts (3%)
Commercial Lines
- Commercial Property Policies (9%)
- Commercial General Liability (9%)
- Businessowners Policy (4%)
- Commercial Automobile Policy (3%)
Remaining Domains + Full Review
- Other Types of P&C Insurance (3%)
- Federal Laws and Regulations (2%)
- Workers' Compensation Laws (2%)
- Timed practice runs at the 2:30 limit
Rotating short review blocks (20-30 minutes) instead of long unbroken sessions tends to work well for the lower-weight domains, since there's less material to retain per domain. Save your longest, most focused sessions for the top three domains, since they alone account for close to half the scored questions. Once you've built your baseline knowledge, timed practice questions on our NH-PC practice test platform are the fastest way to find out which domains still need work before test day.
To gauge whether your current prep pace is realistic given how the exam actually feels under time pressure, How Hard Is the NH-PC Exam? Complete Difficulty Guide 2026 breaks down where candidates commonly lose time or points. And if you want to know the exact score threshold you're studying toward, NH-PC Passing Score 2026: Exactly What You Need to Pass spells it out.
Key Takeaway
Don't treat all 13 domains equally. Property and Casualty Insurance Basics, General Insurance Concepts, and Insurance Regulation together make up 44% of the exam - master those three before you spend serious time on the 2-4% domains.
Frequently Asked Questions
No. NH-PC is specific to New Hampshire. Passing Series 12-64 licenses you to act as a property and casualty producer within New Hampshire; it does not automatically authorize you to sell insurance in other states.
No prelicensing course is required in New Hampshire for the property and casualty producer exam. Candidates can register and sit for the exam directly, though self-study resources are strongly recommended given the absence of a mandatory class.
There are 150 scored questions, plus PSI may include 5 to 10 additional unscored experimental items. The total time limit is 2 hours 30 minutes.
Yes. Candidates may test at a PSI test center or via remote proctoring. The July 2026 remote-testing cutoff that applies to certain Life and combined Life, Accident and Health exams does not apply to Series 12-64.
Resident applicants must submit their producer license application and required fees electronically through NIPR. Passing the exam alone does not grant a license - the NIPR filing step is required to finalize it.
Understanding what NH-PC actually stands for - and keeping it separate from unrelated credentials that happen to share the same acronym - is the first step toward preparing correctly. From here, dig into the NH-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts for a condensed reference, or head straight to our practice exam platform to start testing your knowledge against realistic NH-PC-style questions.