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Homeowners, Dwelling, and Personal Property Coverage

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About Course

Build a practical framework for reviewing homeowners, dwelling, and personal property coverage. Connect ownership, occupancy, insured status, covered property, causes of loss, and policy conditions with the household or rental exposure being insured.

Apply valuation, insurance-to-value requirements, limits, deductibles, personal property scheduling, and loss-of-use benefits to worked cases. Compare personal liability, dwelling rental interests, renters, condominium units, and manufactured homes, then identify catastrophe and occupancy gaps and organize a supported claim review.

The self-paced course combines twelve lessons with required matching, ordering, calculation, and coverage-decision activities. Each activity must be completed correctly before progressing. A 35-question final examination brings the coverage concepts together.

Continuing education credit is available only where this course holds an active approval. Check the applicable approval and credit category before enrolling for license-renewal credit.

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What Will You Learn?

  • Select homeowners, dwelling, renters, unit-owners, and manufactured-home coverage by ownership, occupancy, eligibility, and actual use.
  • Identify insured people, covered premises, dwelling, other structures, contents, off-premises property, and special property limits.
  • Compare named-peril and open-peril protection and apply exclusions, exceptions, and resulting-loss provisions to stated facts.
  • Calculate stated actual cash value, replacement cost, insurance-to-value requirements, deductibles, limits, and additional living expenses.
  • Evaluate scheduled personal property, personal articles floaters, valuation elections, and household property accumulation.
  • Distinguish personal liability, medical payments, dwelling rental interests, and alternative residence coverage needs.
  • Analyze water, flood, wind, earthquake, vacancy, and occupancy gaps using the issued forms and endorsements.
  • Organize claim evidence, mortgage interests, other insurance, and recovery records and document a supported integrated coverage review.

Course Content

Homeowners Forms and Insured Property

  • Homeowners policy forms, eligibility, and underwriting
  • Select the Form from Ownership and Use
  • Insureds, premises, dwelling, and personal property
  • Map Insureds, Premises, and Property Limits

Covered Losses, Valuation, and Deductibles

Personal Articles and Loss of Use

Personal Liability and Dwelling Forms

Dwelling Interests and Alternative Residences

Catastrophe Gaps and Integrated Claims Review

Final Examination

Georgia Completion Reporting Information
Required administrative reporting step. This is not a scored examination.

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