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Homeowners Insurance

This Homeowners Insurance course reviews the Insurance Services Office (ISO) 2000 edition of the Homeowners Policy forms are studied in detail focusing on policy structure, coverages, exclusions, conditions, and key policy definitions. The course thoroughly investigates the HO-3, HO-4, and HO-6 Homeowners Policies to benefit underwriters and agents as they recommend coverage for their insureds. The course specifically reviews Homeowner Policy eligibility rules, property and liability coverage and exclusions; property valuation; named and special perils; loss of use; additional insurance limits for debris removal; policy duties; and common endorsements to alter common policy exclusions for insureds needing broader coverage.

After completing this course, you should be able to:

  • List and explain the various Homeowners Policy forms, eligibility rules including terms, conditions, definitions, and coverages.
  • Discuss Replacement Cost and Actual Cash Value property valuations.
  • Identify and briefly explain the Covered Causes of Loss (Named Perils and Special Perils) an insurer promises to pay for direct losses to a dwelling and personal property.
  • Explain dwelling and structure exclusions and coverage that may be given back within the exclusions.
  • Explain what is considered a structure and personal property covered and valued in the Homeowners Policy form.
  • Explain the coverage provided by Coverage D: Additional Living Expense.
  • Discuss the insured's duties following a loss.
  • List and explain coverages and exclusions provided in Coverage E-Personal Liability and Coverage F-Medical Payments and key definitions.
  • List and explain common property and liability endorsements.
Refund Policy
The course must be completed within 90 days of the date of purchase. A full refund, less a $30 fee, will be given within one week of registration if you are not satisfied with the product. No refund after one week. If student desires, instead of refund, he/she will be allowed to transfer into a classroom course or online instructor led course at public price with credit for entire online cost (no $30 fee).

Click the Add to cart button below. After checking out through the secure check out link, your username and password will be immediately emailed to you. You can then begin your course at any point!

Continuing Education
Approved for 10 hours ce for California fire/casualty agent/brokers.

Cost: $59.00

Duration: 90 days


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