- The exam has 120 scored plus 10 unscored questions, all four-option multiple choice, in 2 hours 30 minutes.
- Insurance Regulation is worth 30% of your score - the single largest domain by far.
- Series 20-32 costs $62 through Prometric, with test center or ProProctor remote options.
- Maryland-approved prelicensing education is not required for exams taken on or after October 1, 2024.
Exam Snapshot: The Numbers You Need
If you only have five minutes before your test date, this is the section to reread. The Maryland Property and Casualty Producer Combo Exam is administered through the Maryland Insurance Administration, with Prometric handling scheduling and delivery. It's officially cataloged as Series 20-32, and every candidate faces the same structure: 120 scored questions plus 10 unscored questions, all in a standard four-option multiple-choice format, delivered inside a 2 hour 30 minute window.
The unscored questions are mixed in without identification, which is why pacing matters more than trying to guess which items "don't count." For a fuller breakdown of how difficulty feels in practice, see How Hard Is the MD-PC Exam? Complete Difficulty Guide 2026.
Domain Breakdown at a Glance
The exam is built from ten domains, and they are not weighted evenly. Knowing exactly where the points live is the difference between a study plan that works and one that wastes hours on low-value material.
| Domain | Weight |
|---|---|
| 1. Insurance Regulation | 30% |
| 2. General Insurance | 7% |
| 3. Property and Casualty Insurance Basics | 13% |
| 4. Dwelling Policy | 8% |
| 5. Homeowners Policy | 13% |
| 6. Auto Insurance | 8% |
| 7. Commercial Package Policy (CPP) | 13% |
| 8. Businessowners Policy | 1% |
| 9. Workers' Compensation Insurance | 3% |
| 10. Other Coverages and Options | 5% |
Note: The official rounded weights total 101%, which is a rounding artifact, not an error on your part.
Key Takeaway
Insurance Regulation, Property and Casualty Basics, Homeowners, and Commercial Package Policy together account for roughly 69% of your score. Master those four before polishing anything else. For a domain-by-domain walkthrough with study angles, see MD-PC Exam Domains 2026: Complete Guide to All 10 Content Areas.
Registration & Testing Mechanics
Scheduling and sitting for the exam involves a few specific mechanics worth memorizing so nothing surprises you on test day.
- Delivery channel: Prometric administers the exam, either at a physical test center or remotely through ProProctor.
- Cost: $62 per attempt for Series 20-32.
- Time allotted: 2 hours 30 minutes for 130 total questions (120 scored, 10 unscored).
- Prelicensing education: Not required for exams taken on or after October 1, 2024, which changes how candidates approach self-study versus formal coursework.
Because the prelicensing requirement was removed, more candidates are self-preparing from scratch. That makes a structured plan more important, not less - the full walkthrough is in MD-PC Study Guide 2026: How to Pass on Your First Attempt. If you're still confirming you meet baseline eligibility before you book a seat, check MD-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
High-Yield Topics by Domain
Below is a condensed, exam-day-ready reference for what actually shows up in each domain. Treat this as your final review layer, not your first introduction to the material.
Insurance Regulation (30%)
The largest domain by a wide margin. Expect questions on producer licensing rules, appointment and termination processes, unfair trade practices, and the Maryland Insurance Administration's regulatory authority.
- License renewal cycles and continuing education obligations
- Grounds for license denial, suspension, or revocation
- Producer duties to insurers and consumers
Property and Casualty Insurance Basics (13%)
Foundational policy concepts that feed into nearly every other domain - insurable interest, indemnity, policy conditions, and endorsement mechanics.
- Difference between named-peril and open-peril coverage
- Standard policy provisions and definitions
- How endorsements modify base coverage
Homeowners Policy (13%)
Covers the standard HO forms, coverage parts, and exclusions candidates must distinguish quickly under time pressure.
- Coverage A through F distinctions
- Named perils versus special form coverage
- Common endorsements and exclusions
Commercial Package Policy (CPP) (13%)
Ties together commercial property and liability coverage parts into a single package structure - a frequent source of confusion for new candidates.
- How coverage parts combine within a CPP
- Common commercial exclusions
- Interaction with businessowners and workers' comp coverage
Dwelling Policy (8%) and Auto Insurance (8%)
Two mid-weight domains that are often underprepared because they seem "simple." Don't skip them.
- Dwelling policy forms and their coverage limits
- Auto liability, medical payments, and physical damage coverage
- State-specific auto insurance requirements
General Insurance (7%), Other Coverages and Options (5%), Workers' Compensation (3%), Businessowners Policy (1%)
Smaller domains, but still testable. Spend focused, limited time here rather than skipping entirely - a single missed concept in a 1% domain is low-cost, but ignoring four small domains combined can cost more points than expected.
For a deep dive into how these domains interconnect on actual test questions, cross-reference MD-PC Exam Domains 2026: Complete Guide to All 10 Content Areas alongside timed practice on our full practice test platform.
Licensing Requirements After You Pass
Passing the exam is the milestone people focus on, but the licensing lifecycle continues afterward. Producer licenses in Maryland renew on a biennial basis, and renewal requires 24 continuing education hours, including 3 hours specifically in ethics.
This means your relationship with the material doesn't end at the test center. Build a habit of tracking CE deadlines the same way you tracked exam prep deadlines. If you're wondering exactly what score threshold you need to clear on exam day itself, that's covered separately in MD-PC Passing Score 2026: Exactly What You Need to Pass.
Key Takeaway
Passing is a one-time event; licensing compliance is ongoing. Mark your biennial renewal date and CE hour count the same week you get your pass notice.
One-Week Cram Schedule
If you're inside seven days of your test date, don't try to relearn everything. Use the domain weights to allocate your remaining hours proportionally.
Insurance Regulation (30%)
- Review licensing rules, MIA authority, and unfair trade practice definitions
- Drill practice questions specifically on this domain first, since it carries the most weight
Property and Casualty Basics + Homeowners (26% combined)
- Rebuild your mental model of policy structure, indemnity, and HO coverage parts
Commercial Package Policy + Dwelling + Auto (29% combined)
- Focus on how CPP coverage parts combine, then move to dwelling forms and auto coverage types
Smaller Domains (16% combined)
- General Insurance, Other Coverages and Options, Workers' Compensation, Businessowners Policy
Full Timed Simulations
- Run full-length, timed practice sessions replicating the 2 hour 30 minute window
- Review every miss by domain, not just by right/wrong count
This schedule intentionally mirrors the domain weights rather than splitting time evenly across ten sections - a common mistake covered in more depth in MD-PC Study Guide 2026: How to Pass on Your First Attempt.
Common Last-Minute Mistakes
- Treating all ten domains equally. Insurance Regulation alone is worth as much as several smaller domains combined - allocate time accordingly.
- Ignoring the unscored questions' impact on pacing. You won't know which of the 130 questions are unscored, so every question deserves full attention within your 2 hour 30 minute budget.
- Skipping remote-proctoring logistics. If you choose ProProctor over a test center, confirm your setup requirements days in advance, not the morning of your exam.
- Forgetting the prelicensing change. Since prelicensing education isn't required for exams on or after October 1, 2024, some candidates skip structured review entirely - don't assume convenience means less content to learn.
- Underestimating small domains. Businessowners Policy is only 1%, but combined with Workers' Compensation and Other Coverages, these smaller domains still add up to meaningful points.
Curious how this certification fits into your broader career plans? Explore MD-PC Salary Guide 2026: Complete Earnings Analysis and Is the MD-PC Certification Worth It? Complete ROI Analysis 2026 for the bigger picture, or browse MD-PC Jobs for what hiring managers actually look for once you're licensed. If you want a refresher on exam pass-rate trends before you commit to a date, MD-PC Pass Rate 2026: What the Data Shows is a useful companion read.
When you're ready to test your recall against realistic questions, run a timed set on our practice test platform and compare your domain-by-domain accuracy against the weights listed above.
FAQ
You'll answer 120 scored questions plus 10 unscored questions - 130 total, all four-option multiple choice - within 2 hours 30 minutes.
Series 20-32 costs $62 per attempt. See MD-PC Certification Cost 2026: Complete Pricing Breakdown for how additional costs like retakes factor in.
No. Maryland-approved prelicensing education is not required for examinations taken on or after October 1, 2024.
Insurance Regulation, at 30% of the exam, is the single largest domain and should receive the most study time by a clear margin.
Licenses renew biennially, and renewal requires 24 continuing education hours, including 3 hours of ethics.