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Homeowners Insurance and More

6 credits
Course #: 45173
Take this Course
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
  • Wasatch Fault
  • 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
Policy Rating
  • Credit
  • Claims History
  • Location
  • Construction Type
  • Construction Quality
  • Size & Features
  • Section II Limits
  • Deductible & Discounts
Policy Forms
  • HO-3
  • HO-4
  • HO-5
  • Condo Associations & Units
  • HO-6
  • HO-8
  • Comparison
  • Requirements
Policy Conditions
  • Section I Conditions
  • Section II Conditions
  • Renewal Conditions
  • Cancelation Conditions
  • Other General 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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