Why Some Agents Choose Property & Casualty First in Texas

Thinking about getting your insurance license in Texas? You’re not alone. Among the two major insurance license types—Life & Health (L&H) and Property & Casualty (P&C)—many new agents in Texas start with Property & Casualty. But why?

Whether you're a recruiter-guided newcomer or a career switcher looking for steady income, starting with P&C can be a strategic choice. Here's what makes it a smart first step—and how to get started.

What is Property & Casualty (P&C) Insurance?

Property and Casualty insurance covers:

• Property: protection for homes, businesses, or belongings.

• Casualty: liability coverage in case of damage or injury to others.

Standard policies include auto insurance, homeowners insurance, renters insurance, and commercial liability.

Unlike Life & Health, which often requires more personalized sales skills and long sales cycles, P&C policies are more transactional and often required by law, like auto coverage in Texas.

Why Texas Agents Often Choose P&C First

1. High Job Availability

Texas has one of the largest property and casualty (P&C) insurance markets in the country. There’s constant demand for:

• Claims adjusters

• Customer service representatives

• Sales agents

3. Lower Startup Risk

New agents can earn a stable income quickly with less pressure to build a client book. P&C roles are often either hourly or salary-based, making them great for those who want to learn the ropes before diving into commissions.

What Happens After You’re Licensed?

Once licensed, Texas P&C agents can:

• Apply for entry-level jobs in agencies or call centers

• Get sponsored by a national brand or recruiter

• Build experience before adding a Life & Health license later

Many Aceable Insurance students return to stack their credentials, using their P&C experience as a launchpad for dual licensing or career advancement.

Why Start with P&C in Texas?

• More job openings

• Faster to complete

• Easier career entry

• Affordable investment

• Future-friendly (dual license stackable)

If you're looking to get licensed quickly, start earning, and build a future in insurance, Property & Casualty might be your best first move.