Book Description California Property & Casualty Insurance Exam Prep Guide 2025–2026 (House Owners Insurance Series – HOI) Are you preparing for the California Property & Casualty Insurance Licensing Exam ? This all-in-one study manual is designed to help you master both the national content and California-specific insurance laws tested by the California Department of Insurance (CDI) . Written in clear, simple language and aligned with the Pearson VUE/Prometric testing standards , this guide is your key to passing on the first attempt . Inside the California Edition: Core Insurance Principles : Risk management, contracts, indemnity, and the responsibilities of insurers and producers. - Property Insurance Coverage : Homeowners, dwelling, commercial property, inland marine, earthquake, and flood—highly relevant to California. - Casualty Insurance Essentials : Personal liability, commercial liability, auto, workers’ compensation, and umbrella coverage. - Policy Structure & Claims : Declarations, conditions, exclusions, endorsements, and claims settlement. - Insurance Math Simplified : Premium calculations, ratios, deductibles, and step-by-step problem solving. - California-Specific Content : CDI licensing requirements, continuing education, unfair trade practices, replacement cost rules, earthquake insurance guidelines, and consumer protection laws unique to California. Exam-Ready Features: 250+ Practice Questions and Answers with Explanations —covering national concepts and California-specific laws. - Quick Reference Charts and Tables —perfect for last-minute review. - Exam-Day Strategies and Study Plans —designed for California’s testing format. The House Owners Insurance (HOI) Series goes beyond memorization. It helps you truly understand both national and California-specific property & casualty insurance , giving you the confidence to pass the exam and launch your career. Start your journey as a licensed California Property & Casualty agent today.