A Homeowner's Case Study

Providing Context to Real-World Situations

$8.00 + your state filing fee
4 Credit Hours

This course favors P&C insurance agents but is applied as general credit for all agents.

COURSE DIFFICULTY

Basic
This course covers the following topics:
  •  Look closely at the homeowners insurance policy, its various conditions, exclusions and other provisions, and common endorsements used on the policy
  •  Discuss the particular situations that arise for the family during the course of their activities on the insured premises
  • Examine Homeowners Policy Coverage in the context of a family

Summary

Retirement planning in America has taken on a variety of forms over the course of history. Likewise, the type of work and the longevity of that work has continued to shift. To address this, individuals, employers, and lawmakers have frequently considered what the state of retirement looks like for Americans.

This course will provide an overview of the main savings plans Americans use to set themselves up for retirement, as well as a history of retirement savings in America. Despite opportunities to save, however, many Americans are not financially prepared for their retirement years, as current trends and statistics will demonstrate. This is where the SECURE Act comes in.

Meet Harry and Jane Smith. They are married with two children, Sarah and Dennis, and own their own home. The home has additional buildings, not attached to the main dwelling. The family has a dog and, a housekeeper, and Jane runs a home business from the property. In this course, we will examine Homeowners Policy Coverage in the context of this family and the particular situations that arise for them during the course of their activities on the insured premises. After studying these materials, the student should have a good working knowledge of the homeowners insurance policy, its various conditions, exclusions and other provisions, common endorsements used on the policy, and examples of how the policy applies to real life situations.

Outline

1. Introduction

  • 1.1 Purpose of the Course
  • 1.2 Why Homeowners Insurance?
  • 1.3 Our Case Study Family
  • 1.4 The Homeowners Insurance Policy Forms
  • 1.5 The Definitions
  • 1.6 Summary
  • Affidavit of Personal Responsibility
  • Chapter 1 Quiz

2. Harry and Jane’s Special Form Homeowners Policy: Overview

  • 2.1 The Declarations Page
  • 2.2 Property Coverages: Dwelling
  • 2.3 Property Coverages: Other Structures
  • 2.4 Property Coverages: Personal Property
  • 2.5 Special Limits of Liability
  • 2.6 Property Not Covered
  • 2.7 Loss of Use
  • 2.8 Additional Coverage
  • 2.9 Summary
  • Chapter 2 Quiz

3. Harry and Jane’s Homeowners Policy: Perils Insured Against

  • 3.1 What Are Perils?
  • 3.2 Perils for Coverage A and Coverage B
  • 3.3 Perils for Coverage C
  • 3.4 Conditions for Section I
  • 3.5 Exclusions for Section I
  • 3.6 Summary
  • Chapter 3 Quiz

4. Harry and Jane’s Homeowners Policy: Liability Coverages

  • 4.1 Coverage E: Personal Liability
  • 4.2 Coverage F: Medical Payments to Others
  • 4.3 Additional Coverages for Section II
  • 4.4 Conditions for Section II
  • 4.5 Exclusions for Section II
  • 4.6 Summary
  • Chapter 4 Quiz

5. Harry and Jane’s Homeowners policy: Conditions and Endorsements

  • 5.1 Conditions
  • 5.2 Common Endorsements to the Homeowners Insurance Policy
  • 5.3 Summary
  • Chapter 5 Quiz

6. Conclusion

  • 6.1 Conclusion

Final Exam

  • Final Exam

FAQ

Q: What should I expect from this online course?

A: We use a unique system to help you learn the material easily. Our online courses present you with information in large type that is easy to read. We highlight key items in gray and quiz you after each chapter to make sure you are learning critical information. You may review the material as much as you want before taking your required online, multiple-choice exam. Passing the exam proves your proficiency in that subject to your state’s governing authority.

Q: Can I print my online course materials and test questions?

A: According to the state authority, it is not permissible to print or download any course material or exam questions. However, you are free to access all online courses from our website anytime.

Q: How long does it take to complete an online course?

A: The time required to complete an online course varies from student to student, but it roughly approximates the number of credit hours awarded for the course. You must pass an online, multiple-choice exam. Passing the exam proves your proficiency in that subject to your state’s governing authority.

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