- The VT P&C exam has 150 scored items plus 5 unscored pretest items, in 2 hours 30 minutes.
- Auto Insurance (21%) and Homeowners Policy (17%) together make up 38% of your score.
- Exam fee is $87, administered by Prometric as Series 14-31 for Vermont's Department of Financial Regulation.
- No state prelicensing course is required, and the combined exam yields a single final score.
Exam Snapshot: The Numbers You Must Know
Before you memorize a single policy definition, get the exam mechanics locked into memory. These are the facts that decide how you pace your test day, not just how you study.
- Exam code: Series 14-31, governed by the Vermont Department of Financial Regulation
- Administered by: Prometric
- Fee: $87
- Format: 150 scored four-option multiple-choice questions plus 5 unscored experimental items (155 total on screen)
- Time allowed: 2 hours 30 minutes
- Delivery options: in-person at a Prometric test center or remotely via Prometric ProProctor
- Prelicensing course: not required by Vermont
- Scoring: one combination score covering all content - there is no separate pass/fail per section
Because the 5 unscored items are mixed in with the 150 scored questions and look identical, treat every question on screen as if it counts. There's no way to identify which five are experimental, so skipping or rushing "suspicious" items is a losing strategy.
For a deeper walkthrough of how these mechanics affect your pass/fail outcome, see the VT P&C Passing Score 2026 guide, and for a full cost breakdown beyond just the $87 exam fee, check the VT P&C Certification Cost 2026 breakdown.
Domain Weights at a Glance
Every VT P&C candidate should have this table memorized before opening a single practice question. It tells you exactly where your study hours belong.
| Domain | Weight |
|---|---|
| 1. Insurance Regulation | 10% |
| 2. General Insurance | 9% |
| 3. Property and Casualty Insurance Basics | 10% |
| 4. Dwelling Policy | 5% |
| 5. Homeowners Policy | 17% |
| 6. Auto Insurance | 21% |
| 7. Commercial Package Policy (CPP) | 8% |
| 8. Businessowners Policy | 6% |
| 9. Workers Compensation Insurance | 7% |
| 10. Other Coverages and Options | 7% |
Notice how the top two domains - Auto Insurance and Homeowners Policy - combine for 38% of the exam, while the bottom four domains (Dwelling, CPP, Businessowners, Workers Comp, and Other Coverages) each sit at 5-8%. That imbalance should directly shape your review time. For the full breakdown of what each domain actually tests, read the VT P&C Exam Domains 2026 complete guide.
Key Takeaway
Spend roughly twice as much review time on Auto Insurance and Homeowners Policy combined as you do on Dwelling Policy, CPP, and Businessowners Policy combined - the weighting justifies it.
The Big Two: Auto Insurance and Homeowners Policy
If you only had time to master two domains before test day, these would be them. Together they account for well over a third of your scored questions.
Domain 6: Auto Insurance (21%)
The single largest domain on the exam. Candidates must understand how personal auto policies are structured and applied in real claim and underwriting scenarios.
- Liability coverage parts, limits, and split-limit vs. combined single limit structures
- Medical payments, uninsured/underinsured motorist coverage, and how they interact
- Physical damage coverage: collision, comprehensive, and applicable exclusions
- Policy conditions, endorsements, and common exclusions candidates confuse with homeowners exclusions
Domain 5: Homeowners Policy (17%)
The second-largest domain, testing how standard homeowners forms differ and where coverage gaps commonly appear.
- Distinctions between homeowners forms and what perils each covers
- Coverage A through F structure and how limits relate to each other
- Named-peril vs. open-peril (all-risk) approaches to property coverage
- Liability and medical payments to others under homeowners policies
Because these two domains overlap conceptually with Domain 4 (Dwelling Policy) and Domain 3 (Property and Casualty Insurance Basics), building strong fundamentals first makes the heavier domains click faster. The VT P&C Study Guide 2026 walks through a sequencing strategy that respects this dependency.
Registration, Fee, and Delivery Mechanics
Vermont's licensing process is refreshingly light on bureaucracy compared to states that mandate prelicensing hours - but that also means the exam itself carries more weight, since there's no required coursework backstop.
- No prelicensing course requirement: Vermont does not mandate a state-approved course before you sit for Series 14-31.
- Single combination score: Unlike states that split scoring by section, Vermont's exam produces one overall score covering all 10 domains.
- Fee: $87 paid to Prometric at scheduling.
- Delivery choice: test-center or remote ProProctor - pick based on your home environment's reliability, since remote testing still requires a controlled, quiet space and stable connection.
For eligibility details and any prerequisite steps outside the exam itself, review VT P&C Requirements 2026. And if you're still weighing scheduling windows or how far in advance to book, the VT P&C Exam Dates 2026 guide covers testing windows and deadlines in detail.
A Domain-Weighted Study Schedule
Generic study techniques only help if you apply them to the right material at the right time. Here's a schedule built around VT P&C's actual weighting, not a generic template.
Foundations First
- Domain 3: Property and Casualty Insurance Basics (10%)
- Domain 2: General Insurance (9%)
- These underpin terminology used across every other domain
The Heavyweights
- Domain 6: Auto Insurance (21%)
- Domain 5: Homeowners Policy (17%)
- Allocate the most repetition and practice questions here
Regulation and Related Property Forms
- Domain 1: Insurance Regulation (10%)
- Domain 4: Dwelling Policy (5%)
- Domain 10: Other Coverages and Options (7%)
Commercial Lines and Final Review
- Domain 7: CPP (8%), Domain 8: Businessowners Policy (6%), Domain 9: Workers Compensation (7%)
- Full-length timed practice runs under the 2 hour 30 minute limit
- Review missed questions by domain, not just overall score
If four weeks feels too compressed or too long relative to your background, the VT P&C Study Guide 2026 offers guidance on adjusting timeline length based on prior insurance experience.
The Short List of Things to Memorize Cold
On exam day, certain facts should require zero thinking time. Build flashcards or a one-page reference for these specifically:
- Total scored items: 150, plus 5 unscored, for 155 questions on screen
- Time limit: 2 hours 30 minutes - budget roughly under a minute per question with buffer for review
- Domain weights in descending order: Auto Insurance (21%), Homeowners Policy (17%), Insurance Regulation (10%), Property and Casualty Basics (10%), General Insurance (9%), CPP (8%), Workers Compensation (7%), Other Coverages and Options (7%), Businessowners Policy (6%), Dwelling Policy (5%)
- Format: all questions are four-option multiple choice, no fill-in or scenario-drag items
- Delivery: Prometric test center or Prometric ProProctor remote proctoring
Struggling to gauge whether your current knowledge is exam-ready? The How Hard Is the VT P&C Exam? guide breaks down where most candidates lose points, and reviewing available data in the VT P&C Pass Rate 2026 report can help calibrate expectations. Running full practice exams on our practice test platform is the fastest way to find out if these numbers are second nature yet.
Common Cheat-Sheet Mistakes
A one-page review sheet is only useful if it's accurate and prioritized correctly. Avoid these errors:
- Treating all domains equally. Spending equal time on Dwelling Policy (5%) and Auto Insurance (21%) wastes hours you don't have.
- Ignoring the unscored items. Since you can't identify the 5 experimental questions among the 155, don't second-guess or panic over "weird" questions - answer every item as if it counts.
- Forgetting there's no separate section pass/fail. The combination score means overall mastery matters more than perfecting any single domain in isolation.
- Skipping the regulation domain. Insurance Regulation is worth 10% - the same as Property and Casualty Basics - and is often under-studied because it feels less "practical" than policy content.
- Not practicing under real time pressure. With 155 questions in 2 hours 30 minutes, pacing practice matters as much as content review.
Once you're confident this cheat sheet reflects your actual knowledge gaps, it's worth asking a bigger-picture question: does this credential fit your career goals? The Is the VT P&C Certification Worth It? ROI Analysis and VT P&C Salary Guide 2026 both look at that from different angles, while a quick run through practice questions here will tell you how close you are today.
FAQ
There are 150 scored four-option multiple-choice questions plus 5 unscored experimental items, for 155 total on screen, with 2 hours 30 minutes to complete the exam.
The exam fee is $87, and the test - Series 14-31 - is administered by Prometric under the authority of the Vermont Department of Financial Regulation.
No. Vermont does not require a state-mandated prelicensing course before candidates can register for and take the Series 14-31 exam.
Focus first on Auto Insurance (21%) and Homeowners Policy (17%), since together they represent 38% of the exam, followed by Insurance Regulation and Property and Casualty Insurance Basics (10% each).
Yes. In addition to standard Prometric test centers, candidates can test remotely using Prometric ProProctor, provided they have a suitable quiet space and reliable internet connection.