- The Property Producer exam has 80 scored questions plus 10 unscored pretest items, all multiple-choice.
- Passing requires a scaled score of 70; reference materials are not allowed at the Pearson test center.
- Property - Types of Policies (27.5%) and Massachusetts all-lines laws (25.0%) make up over half the exam.
- The exam fee is $37, and the current outline takes effect July 22, 2026.
Exam Basics at a Glance
Before you memorize a single policy provision, lock in the mechanics. The Massachusetts Property Insurance Producer Exam (MA-PROP) is regulated by the Massachusetts Division of Insurance and delivered through Pearson Professional Assessments at in-person test centers. You'll sit for 80 scored multiple-choice questions plus 10 unscored pretest questions mixed in - you won't know which is which, so treat every question as if it counts. The exam fee is $37, and the passing threshold is a scaled score of 70.
No study materials, phones, or reference sheets are permitted in the testing room. That single rule changes how you should prepare: you need to recall definitions and statutory citations cold, not look them up. For a full walkthrough of registration steps and prerequisites, see MA-PROP Requirements 2026: Eligibility, Prerequisites & How to Qualify.
The Five Domains, Ranked by Weight
MA-PROP splits into five domains, and they are not weighted evenly. Two domains - one property-focused, one law-focused - account for more than half your score. Ignoring that reality is the single biggest planning mistake candidates make.
| Domain | Weight | Focus |
|---|---|---|
| Property - Types of Policies | 27.5% | Policy forms, coverage structures |
| Massachusetts Laws - All Lines | 25.0% | Licensing, statutes, DOI rules |
| Property - Insurance Terms and Related Concepts | 18.8% | Definitions, core concepts |
| Property - Policy Provisions and Contract Law | 16.3% | Contract mechanics, provisions |
| Massachusetts Laws - Property Only | 12.5% | Property-specific state rules |
For a deeper dive into each content area with subtopic examples, see MA-PROP Exam Domains 2026: Complete Guide to All 5 Content Areas. This cheat sheet focuses on the fast-recall facts you'll want fresh in your head on exam morning.
Domain 1: Property - Types of Policies (27.5%)
As the largest domain, this is where you should spend your most disciplined review time. Expect questions that test whether you can distinguish policy types by structure and purpose rather than by name alone.
What to Know Cold
You need to identify which policy form applies to which risk scenario, not just recite definitions.
- Dwelling policy forms versus homeowners forms and what each is designed to cover
- Named-peril versus open-peril (special form) structures and how covered causes of loss differ
- Commercial property forms and how they differ from residential dwelling forms
- Endorsements commonly attached to property policies and what they add or exclude
- Valuation methods tied to each policy type (actual cash value versus replacement cost)
A common trap: questions describe a claim scenario and ask which policy type would respond. If you've only memorized policy names without connecting them to the perils and property types they're built for, these questions will cost you points. Practice with scenario-based questions specifically, not just flashcard-style term recall.
Domain 4: Massachusetts All-Lines Laws (25.0%)
This domain covers the statutory backbone that applies regardless of insurance line - licensing, producer conduct, and Division of Insurance authority. Because it's weighted almost as heavily as the largest property domain, treat it with equal seriousness.
What to Know Cold
Massachusetts-specific rules, not generic insurance law, drive this domain.
- Producer licensing requirements and the Division of Insurance's regulatory authority
- Rules governing producer conduct, unfair trade practices, and disciplinary grounds
- Continuing education obligations tied to license renewal (see the CE section below)
- Record-keeping, disclosure, and fiduciary duties applicable across all lines
Key Takeaway
Because this domain applies "all-lines," don't assume it's generic filler. Massachusetts has its own statutory language and DOI procedures that questions will test directly - general insurance law knowledge from other states won't transfer cleanly.
Domains 2, 3, and 5 in Brief
The remaining three domains together make up just under 48% of the exam, but each still deserves targeted review.
Domain 2: Property - Insurance Terms and Related Concepts (18.8%)
Foundational vocabulary and concepts that underpin every other domain.
- Core terms: peril, hazard, indemnity, insurable interest
- Coinsurance and how it affects claim payouts
- Deductible structures and how they interact with valuation methods
Domain 3: Property - Policy Provisions and Contract Law (16.3%)
The mechanics of how a property contract is formed, interpreted, and enforced.
- Elements of an insurance contract and conditions precedent
- Standard policy provisions: cancellation, nonrenewal, subrogation
- Concealment, misrepresentation, and warranty concepts in contract law
Domain 5: Massachusetts Laws and Regulations Pertinent to Property Insurance Only (12.5%)
State-specific rules that apply narrowly to property lines rather than all lines.
- Massachusetts-specific property insurance statutes and DOI bulletins
- Rules unique to homeowners and dwelling coverage sold in the state
Smallest weight doesn't mean skippable - 12.5% is still roughly one in eight questions. For a candid assessment of where most candidates lose points across all five domains, read How Hard Is the MA-PROP Exam? Complete Difficulty Guide 2026.
Test-Day Logistics and Rules
MA-PROP is administered in person at Pearson test centers, and the rules are strict: no reference materials of any kind. That means no rate manuals, no policy samples, no notes. Everything you know needs to be internalized before you walk in.
Because the exam is closed-book, your prep strategy should mirror test-day conditions - practice answering scenario questions without notes, under a timer, so recall becomes automatic. For a breakdown of exactly what scaled score you need and how scoring works, check MA-PROP Passing Score 2026: Exactly What You Need to Pass.
CE and Renewal Cheat Sheet
Passing the exam is only the starting point. Massachusetts ties continuing licensure to continuing education, and the requirements shift after your first renewal cycle.
| Renewal Stage | CE Credits Required | Ethics Credits |
|---|---|---|
| First producer renewal | 60 credits | 3 credits |
| Each subsequent renewal (every 3 years) | 45 credits | 3 credits |
Mark these numbers down now - many newly licensed producers are caught off guard by the higher 60-credit requirement on the first renewal compared to the steady-state 45-credit cycle afterward. For the full cost picture including exam fees and CE expenses over time, see MA-PROP Certification Cost 2026: Complete Pricing Breakdown.
Final-Week Review Plan
In the last stretch before your test date, allocate review time proportionally to domain weight rather than evenly across all five domains. That means Property - Types of Policies and the Massachusetts all-lines domain should each get noticeably more of your final hours than Domain 5.
Heavy Domains
- Drill scenario questions on Property - Types of Policies (27.5%)
- Review Massachusetts all-lines licensing and conduct rules (25.0%)
Mid-Weight Domains
- Reinforce insurance terminology and concepts (18.8%)
- Practice contract law and policy provision questions (16.3%)
Light Domain + Full Review
- Skim Massachusetts property-only regulations (12.5%)
- Take one full-length timed practice exam with no reference material
If you want a more complete step-by-step plan that goes beyond the final week, including how to sequence study across your entire prep window, read MA-PROP Study Guide 2026: How to Pass on Your First Attempt. And if you're still deciding whether the credential fits your career goals before you invest prep time, Is the MA-PROP Certification Worth It? Complete ROI Analysis 2026 lays out the tradeoffs.
Key Takeaway
Weight your review hours by domain percentage, not by personal comfort. Spending equal time on a 12.5% domain and a 27.5% domain wastes hours you can't get back before test day.
Once you're licensed, the credential opens doors with agencies and carriers that place property lines business across Massachusetts. If you're curious how producers use this license day to day, MA-PROP Jobs covers common roles, and MA-PROP Training covers preparation options beyond self-study. You can also sharpen recall with realistic scenario questions on our practice test platform before you schedule your Pearson appointment.
Frequently Asked Questions
There are 90 total multiple-choice questions: 80 scored and 10 unscored pretest questions mixed in without identification, plus a scaled passing score of 70.
The exam fee is $37, paid to sit for the Property Producer exam administered in person at Pearson Professional Assessments test centers.
Start with Property - Types of Policies, since it carries the highest weight at 27.5%, followed closely by Massachusetts all-lines laws at 25.0%.
No. Reference materials are prohibited at the Pearson test center, so all policy definitions and statutory rules need to be memorized in advance.
Your first renewal requires 60 CE credits including 3 ethics credits; every subsequent three-year renewal requires 45 credits including 3 ethics credits.