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Homeowners Insurance and More (Idaho)

6 credits

Course #: xxxxxxxxxxxx

Underwriting Considerations

Insurable Risks
Insurable Interest
Statistically Predictable
Measurable
Non-Catastrophic
Adverse Selection
Preventing Adverse Selection
Adverse Selection & Pricing

Construction Types

Importance
Frame
Frame Pictures
Frame Stucco & Masonry Veneer
Masonry
Diagram
Comparison Chart

Wildfires

Significance
Defense
Location
Envelope

Earthquakes

Earthquake Hazards
Where Earthquakes Occur
Underlying Soil
Building Materials
Building Configuration

Floods

Background
Causes of Flooding
Damage Prevention
Paying for Flood Damage
National Flood Insurance Program (NFIP)
Flood Insurance Policies
Purchasing Flood Insurance
Flood Insurance Coverage

Other Property Hazards

Trees
Roofing
Electrical
GFCI & AFCI
Heating
Preventing Heating Fires
Plumbing
Preventing Plumbing Losses

Section I Coverages

Dwelling
Dwelling Limit
Dwelling Extension
Personal Property
Personal Property Limit
Special Limits
Loss of Use
Additional Coverages
Causes of Loss

Section I Exclusions & Options

Sewer Backup
Additional Limits of Liability
Exclusions
Options & Endorsements
PP Replacement Cost
Earthquake
Scheduled Personal Property
Other Structures

Casualty Hazards & Negligence

Casualty Hazards
Dog Bites
Pools
Trampolines
Legal Wrongs
Civil Wrongs
Contract-Related
Torts
Negligence

Section II Coverages

Types of Coverages
Personal Liability
Personal Liability Locations
Personal Liability Defense Costs
Medical Expense
Additional Coverages

Section II Exclusions & Options

Exclusions
Options & Endorsements
Home Day Care
Office, School, or Studio Use
Employee Business Pursuits
Watercraft

Credit
Claims History
Location
Construction Type
Construction Quality
Size & Features
Section II Limits
Deductible & Discounts

HO-3
HO-4
HO-5
Condo Associations & Units
HO-6
HO-8
Comparison
Requirements

Policy Conditions

Section II Conditions
Renewal Conditions
Cancelation Conditions
Other General Conditions
Section I Conditions

Renters Insurance

Lots of Renters!
What is Covered?
Determining Personal Property Limit
Why Buy Renters Insurance?

High-Risk Homeowners

What is High Risk?
FAIR Plans
Beach and Windstorm Plans
Surplus Lines

Rising Insurance Costs

Main Causes
Legal System Abuse
Combined Ratio
Interest Rates
Summary

Umbrella and Excess

Purpose of Umbrella Insurance
Underlying Coverage
Umbrella vs. Excess Policies
Self-Insured Retention (SIR)

Title Insurance

Abstract of Title
Abstract of Title Limitations
Purposes of Title Insurance
Characteristics
Lender’s Policy
Owner’s Policy

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