- The GAPC content outline has exactly 10 domains, effective October 22, 2024, per the August 2026 handbook.
- Casualty: Types of Policies, Bonds, and Related Terms is the single largest domain at 18.4%.
- Three Georgia-specific domains (7-10) have weights that vary by exam form and are published as ranges.
- The exam totals 135 questions (125 scored, 10 unscored) in 2 hours 30 minutes; 70% passes.
How the GAPC Exam Is Built
The Georgia Property & Casualty Agent Exam (exam code 12-GA-06) is not organized as a loose grab-bag of insurance trivia. It is built from a fixed content outline published by the Georgia Office of the Commissioner of Insurance and Safety Fire and administered through Pearson VUE. That outline breaks the exam into 10 named domains, and every one of the 135 questions you see on test day - 125 scored plus 10 unscored pretest items you can't distinguish - maps back to one of them.
Understanding the domain structure matters for one practical reason: it tells you exactly where to spend your prelicensing hours and your review time. Georgia requires 8 hours of Property and 8 hours of Casualty prelicensing education completed within 12 months before you sit the exam, and those two content buckets correspond directly to the first six domains below. The remaining four domains cover Georgia-specific law and are tested regardless of which prelicensing provider you used, which is why candidates who skim the state-law material often stall out even after mastering the insurance concepts. For a broader look at how difficult candidates find this balance, see How Hard Is the GAPC Exam? Complete Difficulty Guide 2026.
Property Domains 1-3
The first three domains cover everything a licensed producer needs to know about property coverage before writing a homeowners, dwelling, or commercial property policy.
Domain 1: Property - Types of Policies
This domain tests your ability to distinguish between the major property forms Georgia producers encounter in the field.
- Homeowners forms (HO-2, HO-3, HO-4, HO-5, HO-6, HO-8) and what perils each covers
- Dwelling policies (DP-1, DP-2, DP-3) versus homeowners forms
- Commercial property forms, including building and personal property coverage
- Flood, earthquake, and other difference-in-conditions coverages sold as endorsements or separate policies
Domain 2: Property - Insurance Terms and Related Concepts
This is the vocabulary and valuation domain. Expect scenario questions that require applying a term rather than just defining it.
- Actual cash value versus replacement cost versus functional replacement cost
- Coinsurance and the coinsurance penalty calculation
- Insurable interest, insurable value, and indemnity
- Named-peril versus open-peril (all-risk) policy structure
Domain 3: Property - Policy Provisions and Contract Law
This domain shifts from coverage substance to contract mechanics - how a property policy is legally formed, changed, and enforced.
- Conditions, exclusions, and endorsements as contract components
- Cancellation, nonrenewal, and reinstatement provisions
- Subrogation, other insurance clauses, and pro rata liability
- Legal principles of insurance contracts: utmost good faith, adhesion, aleatory
Casualty Domains 4-6
Casualty questions mirror the property structure - types of policies, terms and concepts, then provisions - but the largest single domain on the entire exam lives here.
Domain 4: Casualty - Types of Policies, Bonds, and Related Terms
At 18.4%, this is the heaviest-weighted domain on the GAPC exam, and it covers more ground than any other single area.
- Commercial general liability (CGL), businessowners policies (BOP), and umbrella/excess liability
- Workers' compensation and employer's liability coverage
- Personal auto and commercial auto policy structure
- Surety bonds versus fidelity bonds and how each differs from insurance
Domain 5: Casualty - Insurance Terms and Related Concepts
This domain tests casualty-specific vocabulary and how liability exposure is measured and allocated.
- Occurrence versus claims-made trigger language
- Limits of liability, deductibles, and self-insured retentions
- Negligence, tort liability, and comparative/contributory negligence concepts
- Underwriting and rating terminology specific to casualty lines
Domain 6: Casualty - Policy Provisions
The casualty counterpart to Domain 3, focused on how casualty contracts function mechanically.
- Conditions and exclusions common to liability policies
- Supplementary payments and defense cost provisions
- Notice of claim and cooperation clauses
- Cancellation and nonrenewal rules as applied to casualty contracts
Georgia State Law Domains 7-10
The final four domains are what separate the GAPC exam from a generic P&C licensing test in another state. These questions test Georgia Code and Department of Insurance rules specifically, and no amount of general insurance knowledge substitutes for learning them directly.
Domain 7: Georgia State Laws, Rules, and Regulations Pertinent to All Insurance Lines
Applies to every licensed line, not just Property and Casualty.
- Licensing requirements, continuing education obligations, and license renewal rules
- Producer duties, appointments, and Commissioner of Insurance authority
- Unfair claims practices and unfair trade practices under Georgia law
- Penalties for violations, including fines and license revocation
Domain 8: Georgia Rules and Codes Pertinent to Property & Casualty Insurance
Covers regulations that apply broadly across both lines.
- Policy delivery and disclosure requirements
- Rate and form filing rules specific to P&C lines in Georgia
- Georgia-specific cancellation and nonrenewal notice periods
Domain 9: Georgia Rules and Codes Pertinent to Property Insurance Only
Narrower in scope, focused strictly on property-line regulation.
- State-mandated property policy provisions
- Georgia rules on windstorm, hail, and other regional exposures
Domain 10: Georgia Rules and Codes Pertinent to Casualty Insurance Only
Mirrors Domain 9 but for casualty lines exclusively.
- Georgia auto insurance requirements, including minimum liability limits
- State rules governing workers' compensation administration
Because the exact weight of Domains 7-10 varies by exam form, don't assume your version distributes questions identically to a friend's. Treat all four Georgia-law domains as must-know material rather than trying to guess which one your specific form will emphasize.
Domain Weighting at a Glance
The Georgia content outline publishes exact weights for Domains 1-6 but shows the three state-specific weight groupings as ranges, since they vary by exam form. Here's how the 10 domains stack up structurally:
| Domain | Content Area | Weighting Note |
|---|---|---|
| 1 | Property: Types of Policies | Fixed weight per outline |
| 2 | Property: Insurance Terms and Related Concepts | Fixed weight per outline |
| 3 | Property: Policy Provisions and Contract Law | Fixed weight per outline |
| 4 | Casualty: Types of Policies, Bonds, and Related Terms | Largest single domain - 18.4% |
| 5 | Casualty: Insurance Terms and Related Concepts | Fixed weight per outline |
| 6 | Casualty: Policy Provisions | Fixed weight per outline |
| 7 | Georgia Laws - All Insurance Lines | Weight varies by exam form |
| 8 | Georgia Rules - Property & Casualty | Weight varies by exam form |
| 9 | Georgia Rules - Property Only | Weight varies by exam form |
| 10 | Georgia Rules - Casualty Only | Weight varies by exam form |
If you want a compact reference version of these weights and key terms to review the night before your appointment, the GAPC Cheat Sheet 2026: One-Page Review of Must-Know Facts condenses this into a single page.
Which Domain to Study First
Since your prelicensing hours already split evenly between Property and Casualty (8 hours each), your review schedule should mirror that split while giving extra weight to Domain 4 given its 18.4% share. A domain-driven timeline works better than a generic weekly checklist because it ties every study session to a specific content area you'll actually be tested on.
Property Foundations (Domains 1-3)
- Build a policy-form comparison chart for HO-2 through HO-8 and DP-1 through DP-3
- Drill actual cash value vs. replacement cost calculations until automatic
- Review cancellation and nonrenewal provisions as contract law, not just definitions
Casualty Deep Dive (Domains 4-6)
- Spend the most hours here - Domain 4 alone carries 18.4% of the exam
- Separate surety bonds from fidelity bonds with concrete examples
- Practice occurrence vs. claims-made scenario questions repeatedly
Georgia Law (Domains 7-10)
- Memorize Georgia-specific license renewal and CE requirements
- Study Georgia auto minimum liability limits and workers' comp rules
- Review unfair claims and trade practices penalties under state code
Full-Length Practice and Weak-Spot Repair
- Take full timed practice exams under 2-hour-30-minute conditions
- Re-test any domain scoring below your target line
- Review missed questions by domain, not just by right/wrong count
For a more detailed walkthrough of methodology and pacing across these four weeks, see GAPC Study Guide 2026: How to Pass on Your First Attempt. And if you want to gauge whether your current knowledge is exam-ready, run a full simulated attempt on our practice test platform before scheduling your real Pearson VUE appointment.
Key Takeaway
Don't split study time evenly across all 10 domains by default - weight Domain 4 (Casualty types of policies, bonds, and related terms) the heaviest, since it's the single largest domain on the exam at 18.4%.
Registration and Retake Mechanics Tied to Domains
The domain outline doesn't just shape your studying - it shapes your registration timeline too. Georgia requires you to complete your 8-hour Property and 8-hour Casualty prelicensing courses (matching Domains 1-6) within 12 months before sitting the exam, then submit your Sircon application and citizenship affidavit and complete fingerprinting. None of that paperwork substitutes for direct study of the Georgia-law domains (7-10), which aren't covered in generic prelicensing curricula the same way property and casualty product knowledge is.
The exam itself runs $67 through Pearson VUE, closed-book, in English or Spanish. If you fall short of 70%, Georgia allows unlimited retakes with a 14-day wait after each of your first two failed attempts and a 60-day wait after any failure beyond that. Because there's no attempt cap, a retake isn't catastrophic - but it does mean redoing the fee and rescheduling, so it's worth treating the domain breakdown above as your diagnostic tool if a first attempt doesn't go well. Focus your retake study on whichever domain group (Property, Casualty, or Georgia law) felt weakest during the exam rather than restarting from scratch.
For the exact numbers behind pass rates and how first-time candidates compare to retake candidates, see GAPC Pass Rate 2026: What the Data Shows. For a full breakdown of every fee involved in licensing, from prelicensing courses to the exam itself, see GAPC Certification Cost 2026: Complete Pricing Breakdown.
FAQ
Ten. Three cover Property, three cover Casualty, and four cover Georgia-specific state laws, rules, and codes that apply to all insurance lines, both P&C lines together, property only, and casualty only.
Domain 4, Casualty: Types of Policies, Bonds, and Related Terms, is the largest domain at 18.4%, making it the single highest-weighted content area on the GAPC exam.
No. The three state-specific domain groupings vary by exam form, so the official candidate handbook publishes them as ranges rather than fixed percentages, unlike the six Property and Casualty domains.
The August 2026 candidate handbook still uses the content outline effective October 22, 2024, so the 10-domain structure described here reflects the current testing period.
Roughly, yes, since prelicensing requires 8 hours each - but allocate extra review time to Domain 4 specifically, since it outweighs every other individual domain on the exam.