Allende, the reason I only put one word is because it's hard to put into words the level of difficulty for me. After using multiple resources for reading, test simulating, quizzes, etc., I felt like I had no idea what the questions were about when I sat in front of the monitor which was my biggest fear. That being said, what it boils down to is the way the questions were phrased AND there were a lot less definitions and limits that were touched on. You NEED to memorize the perils insured and exclusions believe it or not - mainly HO and DP forms.  There were scenarios but they were described in a way that I'd never heard AND my poor memory didn't help. I suppose I absorbed more than I thought because I passed it - 165 questions later. There were more Crime questions than I thought would be. All the scenarios in the Miami OLT course or any other course, were not expressed that way on the test so memorizing for example the "Loss of Use" coverage for each HO policy, did not help. What Jan said is probably accurate - if you don't pass the first time, at least you get a feel for what's expected and the state's style of questions. Good luck!