California retains separate Property Broker-Agent and Casualty Broker-Agent legal authorities. This guide covers the ordinary pathway selecting both authorities on one application and taking the combined Property and Casualty examination.
Eligibility
- Minimum age
- 18
- Residency requirement / status
- Resident individual applicant
- General eligibility explanation
- Ordinary first-time California resident individual selecting both the separate Property Broker-Agent and Casualty Broker-Agent authorities.
Prelicensing education
- Prelicensing education required
- Yes
- Required education hours
- 12
- Education requirement explanation
- Complete the approved 12-hour Ethics and California Insurance Code course, including the required fraud component. The former line-specific 20-hour courses are obsolete as of January 1, 2026.
- Exemptions available
- Yes
- Exemption explanation
- Qualifying same-authority movers may receive examination relief, but the 12-hour course and fingerprints still apply. Confirm matching authority and 90-day timing before relying on relief.
Background
- Fingerprints required
- Yes
- Background check required
- Yes
- Fingerprint / background instructions
- Apply before fingerprinting through Capital Live Scan. The published $74 total comprises $17 FBI, $32 DOJ, and $25 vendor fees. Retain the completed BCIA 8016 and ATI information for a no-charge rejected-impression retake. CDI does not publish a general reuse period; do not assume one.
Application
- Application required
- Yes
- Application fee
- $188 when both Property and Casualty authorities are selected. An applicant-specific Sircon transaction charge may appear; confirm before checkout.
- Application channel / system
- Sircon
- Application instructions
- Select both separate authorities, complete the 12-hour course, pass the combined examination unless documented mover relief applies, file through Sircon, and complete fingerprints after filing or promptly thereafter.
- Official application reference
- https://www.sircon.com/landingPages/states/california/content.jsp
Renewal & maintenance
- Renewal cycle
- Two years
- Renewal fee
- $188 renewal; $282 late renewal
- CE required
- Yes
- CE hours
- 24
- CE cycle
- Every two years
- Ethics hours
- 3 ethics hours, including 1 hour of fraud training
- CE explanation
- Complete 24 hours each term, including the current ethics/fraud allocation, subject to the statutory age-and-service exemption.
Portability
- Nonresident licensing available
- Yes
- Reciprocity / nonresident overview
- A mover with an active California nonresident license and matching prior-state qualifications may receive exam relief but must complete the 12-hour course and fingerprints and meet the 90-day timing rule. Without matching California nonresident authority, first obtain it before resident conversion.
Military / veteran / spouse
- Veteran-specific provisions
- Qualifying active military service suspends renewal requirements during service; it is not an initial education, examination, fingerprint, or fee waiver. No P/C-specific veteran or military-spouse initial waiver was established in the reviewed official set.
Source governance
- Primary authoritative source
- https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/property/fire-casualty.cfm
- Secondary official sources
- CDI/PSI Candidate Information Bulletin, revised March 2026; CDI Licensing Fees; CDI Resident Fingerprint Requirements; CDI Moving Into California guidance
- Statute / regulation reference
- California Insurance Code §§ 1675, 1682, 1749 and 1749.3
- Source reference URL
- https://www.insurance.ca.gov/0200-industry/0045-lic-fees/
- Last verified date
- 2026-08-24
- Verification status
- Verified
- Review / recheck date
- 2026-11-24
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