If you want to sell property and casualty insurance in the Sunshine State, the license you are most likely looking for is the Florida 2-20 Resident General Lines license.

This is Florida’s broad property and casualty license. It allows qualified agents to represent insurers in major lines such as property, casualty, surety, marine, and related coverage areas. It is the license many Florida agents pursue if they want to sell products like homeowners insurance, auto insurance, commercial property, general liability, and other P&C policies.

But Florida is not a “watch a few videos and go take the test” state. For the standard 2-20 route, Florida requires a 200-hour department-approved property and casualty course before applying and testing. After that, candidates must pass the Florida General Lines exam through Pearson VUE, submit fingerprints, apply through Florida DFS, and become properly appointed.

For the required Florida prelicensing course, we recommend Achievable.me. Once that course requirement is handled, TESTivity helps you prepare for the actual Florida Pearson VUE exam with Florida-specific study tools, practice questions, audio, flashcards, mind maps, learning games, and an exam simulator built around how Florida’s testing provider presents insurance questions.

Take the required course. Then train for the exam.

Florida Property and Casualty Insurance License Quick Facts

Requirement	Florida Details
Main license	2-20 Resident General Lines
Licensing authority	Florida Department of Financial Services, Division of Agent and Agency Services
Testing vendor	Pearson VUE
Standard prelicensing requirement	200-hour department-approved property and casualty course
Exam name	Florida Agent’s General Lines Insurance
Exam questions	160 scored questions plus 15 pretest questions
Time limit	3 hours
Passing score	70%
Exam fee	$44
License application fee	$50
License ID fee	$5
Fingerprinting	Required for most applicants through IdentoGO by Idemia
Fingerprinting fee	$49.50 plus local Florida county sales tax
Application system	Florida DFS MyProfile
Resident appointment fee	$60

The official Florida 2-20 Resident General Lines qualification document says applicants must be natural persons at least 18 years old, Florida residents, U.S. citizens or legal aliens with work authorization, and must not hold a resident license in another state. It also lists the standard 200-hour department-approved property and casualty course requirement.

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What Is the Florida 2-20 General Lines License?

The Florida 2-20 Resident General Lines license is the state’s primary broad property and casualty insurance license.

This license is commonly associated with major property and casualty lines, including:

• Homeowners insurance
• Dwelling insurance
• Personal auto insurance
• Commercial auto insurance
• Commercial property insurance
• General liability insurance
• Businessowners policies
• Workers’ compensation
• Surety
• Inland marine
• Flood-related topics
• Florida-specific property insurance issues

Florida’s 2-20 license is broader than a limited personal lines license. If your goal is to work in a full-service property and casualty agency, sell both personal and commercial P&C products, or build a broader insurance career, the 2-20 General Lines license is usually the main Florida license to understand.

For a broader overview of all Florida license types, visit Insurance Licensing in Florida: Complete Guide to License Types and Requirements.

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How to Get a Florida Property and Casualty Insurance License in 5 Steps

Getting a Florida property and casualty insurance license is not difficult if you follow the right sequence. The trouble starts when candidates skip steps, buy the wrong course, study generic material, or underestimate the Florida-specific portions of the exam.

Here is the clean path.

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Step 1: Confirm the Florida 2-20 License Is the Right License

Before you buy a course or schedule an exam, make sure the Florida 2-20 Resident General Lines license is the correct license for your career goal.

The 2-20 license is generally the broad P&C license for agents who want to sell property, casualty, surety, marine, and related insurance products. If you only want a narrower license, such as personal lines, Florida may have a different license path. But if you want broad P&C authority, the 2-20 is the big doorway.

Florida DFS provides official qualification pages for its insurance licenses, and candidates should always verify the exact license type before beginning the process.

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Step 2: Complete the Required 200-Hour Florida Prelicensing Course

Florida requires prelicensing education for the standard 2-20 route.

The official Florida 2-20 Resident General Lines qualification document says the applicant must have completed or taught a 200-hour course in property and casualty insurance, approved by the department, within four years of the application date.

This is important: TESTivity is not the required Florida prelicensing course.

For the required prelicensing education step, we recommend Achievable.me. You need the approved course because Florida requires it.

But the course is only the beginning.

A 200-hour course can teach the required material, but the state exam still expects you to recognize concepts, apply definitions, handle policy provisions, manage Florida law, and answer questions in Pearson VUE’s format. That is where TESTivity’s Florida-specific study tools come in.

TESTivity helps turn course completion into exam readiness.

Step 3: Schedule and Pass the Florida General Lines Exam

Florida insurance licensing exams are administered by Pearson VUE. Pearson VUE’s Florida insurance page provides the official candidate handbook, licensing FAQs, and examination content outlines.

The Florida DFS examinations page also tells candidates to obtain and review the candidate handbook first, and says exam breakdowns are available through the official examination content outlines.

For the Florida 2-20 license, the relevant exam is:

Florida Agent’s General Lines Insurance

Exam Detail	Florida General Lines
Scored questions	160
Pretest questions	15
Total questions seen	175
Time limit	3 hours
Passing score	70%
Testing vendor	Pearson VUE

Pearson VUE’s current Florida content outline lists the General Lines exam as 160 scored questions plus 15 pretest questions with a 3-hour time limit.

The Florida candidate handbook states that Florida insurance exams use a 70% passing score and that pretest questions may appear on the exam but do not count toward the final score.

This is a long exam. You are not just memorizing vocabulary cards in a hammock. You are preparing for a 175-question testing session that requires stamina, recognition, and the ability to apply insurance concepts under pressure.

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Step 4: Submit Fingerprints Through IdentoGO

Florida requires fingerprinting for almost all insurance licenses, registrations, and certifications. DFS says applicants must be fingerprinted through IdentoGO by Idemia, formerly MorphoTrust USA.

The fingerprinting fee is $49.50, plus applicable local Florida county sales tax. After payment is made to Idemia, applicants submit fingerprints electronically through LiveScan.

Do not use a random fingerprint vendor and hope Florida accepts it. Follow the DFS fingerprinting process carefully, keep your confirmation details, and monitor your MyProfile account for any application deficiencies.

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Step 5: Apply Through Florida DFS MyProfile

Florida license applications are handled through the DFS MyProfile system. MyProfile allows users to view licenses, registrations, appointments, continuing education information, and deficiencies on a pending application.

Florida DFS lists the license application fee as $50, the license ID fee as $5, and the state examination fee as $44.

After applying, check MyProfile regularly. If DFS needs more information, you will usually see a deficiency or status update there. Do not assume silence means everything is finished. MyProfile is the dashboard, the mailbox, and the “is my license alive yet?” window all in one.

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Florida 2-20 Exam Details

The Florida property and casualty licensing exam is administered by Pearson VUE and is officially listed as the Florida Agent’s General Lines Insurance exam.

Florida General Lines Exam Format

Exam Feature	Detail
Exam name	Florida Agent’s General Lines Insurance
Testing vendor	Pearson VUE
Scored questions	160
Pretest questions	15
Time limit	3 hours
Passing score	70%

The current Pearson VUE Florida content outline identifies the General Lines exam as 160 scored questions plus 15 pretest questions with a 3-hour time limit.

The candidate handbook explains that the passing score for Florida insurance exams is 70%.

What Are Pretest Questions?

Pretest questions are experimental questions included on the exam to evaluate whether they should be used as scored questions in the future. They do not count toward your final score, but you will not know which questions are pretest questions.

That means every question deserves your full attention. You cannot safely skip a question because it “feels weird.” On exam day, weird is sometimes just Pearson VUE wearing a funny hat.

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Florida General Lines Exam Content

The Florida General Lines exam covers both general property and casualty knowledge and Florida-specific law.

The official content outline shows Types of Property Policies as 14% of the exam, Property Insurance Terms and Related Concepts as 9.5%, Property Policy Provisions and Contract Law as 8%, and Florida Statutes, Rules, and Regulations Pertinent to General Lines Insurance as 15%.

Major Florida General Lines Exam Areas

Exam Area	Why It Matters
Property policies	Homeowners, dwelling, commercial property, inland marine, flood, and related property forms
Property insurance terms	Core vocabulary, valuation, loss settlement, deductibles, risk concepts, and policy mechanics
Property policy provisions	Contract law, conditions, duties after loss, cancellation, nonrenewal, and policy structure
Casualty and liability	Negligence, liability coverage, commercial general liability, professional liability, and related concepts
Auto insurance	Personal auto, commercial auto, no-fault/PIP concepts, and Florida-specific auto rules
Workers’ compensation	Coverage structure, employer obligations, and Florida workers’ compensation concepts
Florida statutes and regulations	Licensing law, unfair trade practices, Florida-specific property rules, residual markets, and consumer protections

Florida-Specific Topics Candidates Should Not Ignore

Florida property insurance has its own weather system. The Pearson VUE outline includes Florida-specific topics such as hurricane coverage, windstorm, wind mitigation and premium discounts, sinkholes, flood, Citizens Property Insurance Corporation, FIGA, FAJUA, and other Florida-specific rules.

That is one reason Florida candidates should avoid relying only on generic national P&C study material. You need to know the broad insurance concepts, but you also need to train for Florida’s version of the exam.

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Florida Property and Casualty License Fees

Here are the major costs to plan for when pursuing a Florida property and casualty insurance license.

Item	Fee
License application	$50
License ID	$5
State examination	$44
Fingerprinting	$49.50 plus applicable local Florida county sales tax
Resident appointment	$60

Florida DFS publishes the application, license ID, examination, and appointment fees on its official fees page.

DFS publishes the fingerprinting fee separately on its fingerprinting information page.

These amounts do not necessarily include the cost of your required prelicensing course, optional exam prep, rescheduling fees, transportation, or additional documentation that may apply to your situation.

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Florida Fingerprinting and Background Check

Florida applicants should treat fingerprinting as a core licensing step, not an afterthought.

DFS says applicants must be fingerprinted through IdentoGO by Idemia and submit fingerprints electronically through LiveScan.

Practical tips:

• Register through the approved fingerprinting vendor.
• Use the correct Florida DFS process.
• Make sure your identifying information matches your application.
• Keep your receipt and confirmation.
• Check MyProfile for deficiencies.
• Do not wait until the last minute.

Fingerprinting is one of those boring administrative steps that can become a tiny paper monster if ignored.

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Florida Property and Casualty License Application Process

For most new Florida 2-20 candidates, the application process looks like this:

1. Confirm you qualify for the Florida 2-20 Resident General Lines license.
2. Complete the required 200-hour approved course or qualify through another approved route.
3. Schedule and pass the Florida General Lines exam through Pearson VUE.
4. Submit fingerprints through IdentoGO by Idemia.
5. Apply through Florida DFS MyProfile.
6. Monitor MyProfile for deficiencies or approval notices.
7. Secure the appropriate appointment before transacting insurance.

The official 2-20 qualification document lays out the license qualifications and prerequisite options, including the 200-hour course route and state examination requirement.

The MyProfile system allows candidates and licensees to view licensing information, appointments, CE information, and application deficiencies.

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Florida Property and Casualty License Renewal and Continuing Education

After you become licensed, you must keep your Florida insurance license in good standing. Florida DFS explains that continuing education requirements are tracked through MyProfile, and licensees must complete a 4-hour update course specific to the license type.

For a 2-20 General Lines licensee, that generally means completing the appropriate General Lines update requirement along with any other applicable continuing education obligations shown in MyProfile.

The safest approach is simple:

• Log into MyProfile.
• Check your CE compliance period.
• Complete the correct CE courses before the deadline.
• Do not guess based on what another agent told you three years ago.

Florida’s CE rules can vary based on license type and situation, so MyProfile is the place to verify your current requirement.

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Florida-Specific Quirks for P&C Candidates

The Florida P&C License Is Usually Called “2-20 General Lines”

Many candidates search for “Florida property and casualty insurance license,” but the broad resident license is officially the 2-20 Resident General Lines license. The terms are closely connected, but using the official license name helps when you are reading DFS pages, applying online, or checking Pearson VUE materials.

Florida Requires a 200-Hour Approved Course for the Standard Route

Florida’s standard 2-20 route requires a 200-hour department-approved property and casualty course completed or taught within four years of application.

That is why we recommend Achievable.me for the required prelicensing education.

The Exam Is Long

The Florida General Lines exam has 160 scored questions and 15 pretest questions, with a 3-hour time limit.

This exam rewards stamina. Your prep should include timed practice, mixed-question review, and enough repetition to keep your brain from turning into warm pudding halfway through the test.

Florida Law Is Not a Footnote

Florida statutes, rules, and regulations are a meaningful part of the General Lines exam outline, and the outline includes Florida-specific topics such as hurricane, windstorm, sinkhole, flood, Citizens, FIGA, and FAJUA.

Generic P&C study material is not enough.

Pearson VUE Style Matters

Pearson VUE administers Florida’s insurance licensing exams and provides the official candidate handbook and content outlines.

Over 20+ years, TESTivity has learned that testing providers are not all the same. Prometric, Pearson VUE, PSI, and other vendors often use different question styles, wording patterns, and exam rhythms. Florida candidates should practice with material that feels representative of the exam they are actually going to see.

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Prepare for the Florida 2-20 Exam with TESTivity

Florida requires approved prelicensing education for the 2-20 General Lines license. We recommend Achievable.me for that required course.

But do not confuse course completion with exam readiness.

The required course gives you the foundation. TESTivity helps you train for the Florida exam.

TESTivity’s Florida property and casualty study tools are built from the ground up with Florida in mind. They are not generic national materials with a Florida label slapped on top. Our system is designed to help Florida candidates review state-specific content, drill weak areas, and practice with questions that better reflect the Pearson VUE exam experience.

With TESTivity, Florida P&C candidates can use:

• Florida 2-20 Exam Simulator
• Florida Property and Casualty Study Manual
• Pearson VUE-style Practice Questions
• Flashcards
• Audio Course
• Video Instruction
• Mind Maps
• Learning Games
• Test Day Cheat Sheet
• AI Insurance Exam Tutor
• Platinum Study Package

The worst thing you can do is study with material that does not look, feel, or behave like what you will see on the screen at the testing center.

Florida is specific. Pearson VUE is specific. Your exam prep should be specific too.

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FAQ: Florida Property and Casualty Insurance License

About This Florida 2-20 P&C Insurance License Guide

This guide was prepared by the TESTivity team to help Florida insurance licensing candidates understand the 2-20 General Lines licensing process and prepare for the state exam with confidence.

TESTivity creates state-specific insurance exam study tools, practice questions, audio lessons, flashcards, mind maps, learning games, cheat sheets, AI tutoring support, and exam simulators. Our approach is based on a simple principle: insurance exams are not all the same. State rules matter. Testing vendors matter. Exam structure matters.

For Florida P&C candidates, that means preparing for the Florida DFS licensing process and the Pearson VUE General Lines exam, not just studying generic insurance definitions.

Official licensing rules can change, so candidates should always verify current requirements with the Florida Department of Financial Services and Pearson VUE before applying, scheduling an exam, or purchasing required education.