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Why you need this course:
Homeowners insurance is essential to protecting personal belongings from damages and to providing coverage for damages to others caused by the policyholder. There are a variety of personal risk management needs related to homes and personal liability—this course will help you understand the spectrum of homeowners needs, as well as the appropriate types of coverages that can be provided.
Upon successful completion of all 13 modules in this course, you should be able to:
- Describe how individuals and families can use the ISO Homeowners insurance program to address their personal risk management needs
- Summarize the factors and adjustments important to rating homeowners insurance
- Describe the structure of the Homeowners policy (HO-3)
- Summarize each of the HO-3 policy provisions in the following Section I - Property Coverages:
- A – Dwelling
- B - Other Structures
- C - Personal Property
- D - Loss of Use
- Additional Coverages
- Summarize each of the HO-3 policy provisions in Section I - Perils Insured Against
- Summarize each of the HO-3 policy provisions in Section I – Exclusions
- Summarize each of the HO-3 policy provisions in Section I – Conditions
- Given a case describing a homeowners property claim, determine whether the HO-3 Policy Section I-Property Coverages would cover the claim, and if so, the amount the insurer would pay for the claim
- Summarize each of the HO-3 Policy provisions in the following Section II - Liability Coverages:
- E - Personal Liability Coverage
- F - Medical Payments to Others
- Additional Coverages
- Summarize each of the HO-3 policy provisions in Section II – Exclusions
- Summarize each of the HO-3 policy provisions in Section II – Conditions
- Summarize each of the HO-3 policy provisions in Sections I and II – Conditions
- Given a case describing a homeowners liability claim, determine whether the HO-3 Policy Section II-Liability Coverages would cover the claim, and if so, the amount the insurer would pay for the claim
We recommend that you study the modules in the order presented in the course.
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