A Texas P&C Agent's Guide to Renewing Your License
Renew Like a Texan. On Time, On Budget, On Brand.
Key takeaways:
- Texas requires 24 CE hours every 2 years for P&C producers, with 3 hours of ethics and at least 12 hours in classroom or classroom-equivalent format.
- The hour total is the same as L&H, but the smart topic mix should match your P&C book of business.
- If you write flood policies under the NFIP, you must complete a one-time 3-hour NFIP training before placing your first policy.
- LTC, annuity, and Medicare specialty trainings don't apply to P&C-only agents.
- Your license expires the last day of your birth month, every 2 years. Texas does not allow CE carryover.
- Missing the deadline triggers a $50-per-hour fine up to $500, plus a 90-day grace period before license inactivation.
Texas insurance CE requirements for P&C agents
The Texas Department of Insurance (TDI) requires every active producer to complete 24 hours of continuing education every 2-year license term. The hour total is identical whether you hold General Lines L&H, General Lines P&C, or Personal Lines. Within that 24 hours:
- 3 hours of ethics (called Ethics/Consumer Protection in TDI materials)
- At least 12 hours in classroom or classroom-equivalent (CEQ) format. Classroom equivalent means TDI-approved online courses with interactive elements like timed progression, quizzes after each unit, and monitored seat time.
- Up to 12 hours of self-study can fill the remainder.
TDI does not divide courses by license type anymore. Any TDI-approved course counts for any license type. You'll see courses classified as either "General" or "Ethics/Consumer Protection." This means a P&C agent can take any TDI-approved course toward their 21 non-ethics hours, but you should still pick wisely.
When does my Texas P&C insurance license expire?
Your Texas insurance license expires on the last day of your birth month, every 2 years from your last renewal. If your birthday is October 15 and you renewed in 2025, your next renewal is October 31, 2027. For more on figuring out exact expiration dates, see our guide on when your Texas insurance license expiresContinuing Education When Does My Texas Insurance License Expire Resources.
TDI strongly recommends completing all CE at least 30 days before the deadline so your provider has time to report credits to Sircon. Texas does not allow CE carryover between cycles, so hours over 24 in one period don't roll into the next.
What happens if I miss my Texas P&C CE deadline?
Texas treats missed CE seriously. The penalty structure:
- $50 fine per deficient hour, up to a $500 maximum per license
- 90-day grace period from your expiration date to complete the deficient hours and pay the fine
- License inactivation if you don't meet both conditions within the 90-day window
- New license application required (from scratch) once your license is inactivated, you cannot just renew
Plan backward from your renewal date and build in the 30-day reporting buffer. For more on what specifically happens if you miss your CE deadline, including how to reactivate an inactive license, see our guide on what happens if you don't complete your Texas CE on timeContinuing Education What Happens If You Dont Complete Your Texas Insurance Ce On Time Resources. If you sell through carrier appointments, our guide on what happens to your carrier appointments if you miss CEContinuing Education What Happens To Your Carrier Appointments If You Miss Texas Insurance Ce Resources covers the downstream impact on your book.
What specialty CE training do Texas P&C agents need?
Most Texas P&C agents don't have specialty CE requirements beyond the 24-hour core. The one that comes up regularly:
Texas flood insurance / NFIP training
If you sell flood insurance under the National Flood Insurance Program (NFIP), federal regulation requires a one-time 3-hour NFIP training before you write your first flood policy. This is a separate federal requirement administered through FEMA-approved providers. The FloodSmart training portalTraining Nfipservices.floodsmart.gov lists current options. If your specific NFIP course is also TDI-approved, the hours can count toward your 21 non-ethics hours, confirm with your training provider before assuming.
What about LTC, annuities, and Medicare?
LTC training, Annuity Best Interest training, and Medicare training are L&H specialty requirements. They don't apply to P&C agents unless you also hold an L&H or Life license and sell those products. If you carry multiple major lines, our companion blog on Texas CE for multi-license agentsContinuing Education Texas Ce For Multi License Agents Resources covers how to stack the right specialty trainings.
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How do I pick the right CE courses as a Texas P&C agent?
Your 21 non-ethics hours can be on any TDI-approved topic. There's no rule saying P&C agents must take P&C-specific courses. But sitting through hours of life insurance content when you write commercial property and homeowners is a missed opportunity, your CE time could be sharpening the skills you actually use.
The highest-value courses for working Texas P&C agents cover commercial property, commercial liability, claims handling, workers' compensation, personal lines auto and homeowners, and renewal mechanics. Aceable's Texas catalog includes bundles that lean P&C in their topic mix, useful when you want to wrap up your renewal in one purchase without grinding through irrelevant material.
Don't forget the 12-hour classroom-equivalent rule, this is where Texas differs from most states. At least half your hours must be in classroom, classroom-equivalent (CEQ), or live webinar format. Self-study can fill the remaining 12 hours but cannot fill the entire requirement. When picking courses, confirm the format before enrolling. For more on the workflow, our breakdown of Texas insurance CE requirements covers practical timing and pacing strategies. If you also hold L&H authority, our Texas CE for L&H agents guide covers the topic mix on that side.
What's the Texas 20-year longevity exemption?
Texas offers a permanent CE exemption for producers who have held a Texas insurance license continuously for 20 or more years with no breaks longer than 90 days. Submit TDI form FIN517 along with your licensure history.
For P&C agents, the longevity exemption is more straightforward than for L&H agents. Most P&C-only agents don't sell LTC, annuities, or Medicare, so the exemption can fully apply once granted. If you also hold L&H authority and sell those products, you'd still complete the relevant specialty training even with the exemption.
How do Texas CE rules compare to other states?
Texas's 24-hour CE total is in line with the national average. The 12-hour classroom-equivalent minimum is more rigorous than states allowing 100% self-study (like Florida) but more flexible than states requiring strictly live ethics (like Illinois). Texas's no-carryover rule is stricter than states like Illinois (which allows up to 12). The $50-per-hour fine for missed CE is harsher than states that just charge a flat late fee. The 20-year longevity exemption is unique to Texas and a few other states, useful for veteran P&C agents whose books don't include products requiring specialty training.
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Frequently asked questions about Texas P&C CE
How many CE hours does Texas require for P&C agents?
24 hours every 2 years. That's 3 hours of ethics plus 21 hours of general content, with at least 12 hours in classroom or classroom-equivalent format.
When does my Texas P&C license expire?
The last day of your birth month, every 2 years from your last renewal. Confirm your specific expiration date through Sircon or the TDI online portal.
Do I need flood NFIP training to sell flood insurance in Texas?
Yes, if you write policies under the National Flood Insurance Program. NFIP training is a one-time 3-hour federal requirement administered through FEMA-approved providers, separate from your standard Texas CE.
Can I take all my Texas CE online?
You can take all CE online if at least 12 of the 24 hours are in classroom-equivalent (CEQ) format with interactive elements. The remaining 12 hours can be self-study. For more on how online CE works in Texas and which formats count toward each requirement, see our guide on whether you can do Texas insurance CE online.
If I sell commercial only, do the same Texas CE rules apply?
Yes. The 24-hour total, 3-hour ethics, and 12-hour classroom-equivalent rules apply regardless of whether your book is personal lines, commercial lines, or a mix.
How do I verify my CE hours have been reported?
Check your transcript through Sircon's "Look Up Education Courses/Credits" tool at sircon.com. TDI-approved providers report electronically to Sircon, but verify before assuming the credit posted. For more on how Sircon handles Texas CE reporting, see our guide on how Sircon works for Texas insurance CE.
What if I miss my renewal deadline?
You have a 90-day grace period to complete deficient hours and pay $50 per hour up to a $500 maximum. If you miss the 90-day window, your license is inactivated and you must apply for a new license.
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