Homeowners' Insurance Policy

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Level: Intermediate

Why you need this course:
After completing this course, you'll have a solid understanding of the spectrum of homeowners needs, as well as the appropriate types of coverages that can be provided.

Upon successful completion of 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.

Cost: $20 per Professional Development Hour (PDH). Information on PDHs provided can be found here.

Homeowners' Insurance Policy Topics Include:

  • How individuals and families can use the ISO Homeowners insurance program to address their personal risk management needs
  • Factors and adjustments important to rating homeowners insurance
  • The structure of the Homeowners policy (HO-3)
  • HO-3 policy provisions in the Section I—Property Coverages, including A-Dwelling and B-Other Structure
  • HO-3 policy provisions in Section I—Perils Insured Against
  • HO-3 policy provisions in Section I—Exclusions
  • HO-3 policy provisions in Section I—Conditions
  • HO-3 Policy provisions in Section II—Liability Coverages, including E-Personal Liability Coverage and F-Medical Payments to Others
  • HO-3 policy provisions in Section II—Exclusions
  • HO-3 policy provisions in Section II—Conditions
  • HO-3 policy provisions in Sections I and II—Conditions

Phone: (800) 644-2101 (U.S. and Canada)
(610) 644-2100 (Outside the U.S. and Canada)
Fax: (610) 640-9576
Mail: The Institutes
720 Providence Road
Suite 100
Malvern, PA 19355-3433
Customer Success is available Monday through Friday, 8 a.m. to 6 p.m. eastern time.

For retail ordering information, contact Customer Success or shop online. Or take a look at our full catalog.

E-mail: CustomerSuccess@TheInstitutes.org
Phone: (800) 644-2101

Customer Success hours are Monday through Friday, 8:00 a.m. to 6:00 p.m. eastern time.

Interested in corporate multi-user information, volume discounts, or learning management system (LMS) compatibility? Contact the Institutes' Regional Sales Executive in your area.


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