Homeowner & Dwelling Basics Quiz

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​Townhouses: HO-3 or HO-6? 
An often asked question is, “Which is more appropriate when writing a townhouse within a homeowners’ association that purportedly provides the real property coverage for the entire building?” This is a really good question because in these situations, the agent must choose between the HO-3 and the HO06. Read the article ...

​Additional Information Means Better Coverage.
One major reason to seek full prospect or client information is to, when necessary, secure proper premium for additional parties. This is typically achieved by adding endorsements. Endorsements allow coverage to be modified to fit situations that deviate from what is covered under a base policy form. Naturally, separate endorsements and, when applicable, additional premium allows for more precise coverage and pricing.
Click here for an example of an additional insured endorsement’s wording under one commercial general liability’s endorsements section in PF&M.

Homeowner's / Renter's Insurance Basics

• Test Your Insurance IQ: Trees and Insurance Video
• Does your homeowners' policy cover these three things?
• ​Are You Underinsured? Video
• Your Renters Insurance Checklist
• 7 steps seniors can take to protect themselves during a disaster
• A preparedness checklist for older adults and caretakers
• ​Spring Cleaning the Exterior of Your Home Video
• Understanding Your Insurance Deductible
• Water and Flood Damage: What Is and Is Not Covered Video
• ​How to Create a Home Inventory
• Ten Questions to Help You Assess Changes to Your Insurance Needs
• 5 reasons why renters need insurance
• Relying on a landlord’s policy won’t cover renters for loss of their personal property or for living expenses in the case of a natural disaster. …Read more
• Test Your Insurance IQ: Homeowners Policies Video
• ​Yard Sale
• Making Sure Your Home Is Properly Covered for a Disaster
• Moving soon? Here are 5 things to think about
• Getting the Right Insurance Coverage for Moving
• Avoiding Deer-Car Collisions
• Lawnmower Safety
• Understanding the Claims Payment Process
• How to Protect Your Home From Water Damage
• ​​Using a home inventory to document an insurance loss
• Bicycle Safety and Insurance
• Should I purchase an umbrella liability policy?
• 8 tips for preventing dog bites
• In honor of National Dog Bite Prevention Week, here are some some ways to bring canine claims to heel.…Read more
• Securing Your Home Against Burglary
• The i's on Insurance: Your Homeowners Coverage Video
• Are there different types of policies? Article
• Informed Citizen: Homeowners Insurance Video
• Test Your Insurance IQ: Trees and Insurance Video
• My homeowners' policy covers that?
• From falling objects to stolen credit cards, homeowners' insurance covers some uncommon issues. …Read more
• What is homeowners insurance?
• Filing a Homeowners Insurance Claim: Six Steps Video
• 6 homeowners’ policy endorsements agents and brokers need to know
• It's the insurance agent or broker's job to explain a policy to the buyer, including the available endorsements, and they need to know which endorsement best fits the client’s situation. …Read more
• Tornado and severe weather insurance checklist
• Unpredictable spring storms mean homeowners, renters, and business and vehicle owners must carefully review their coverage. Read More
• Does My Homeowners Insurance Cover Flooding? Article
• Flood coverage is provided by the National Flood Insurance Program.
• ​Farms and Ranches
• Trees and Insurance: Tips on What Is and Is Not Covered Video
• How much homeowners insurance do I need?
• Insuring a Co-op or Condo Article
• ​How well do you know condo insurance exclusions?
• Can I own a home without homeowners insurance?
• Loss History Reports: Learning About Your New Home Video
• Insuring a Vacation Home
• Ordinance or Law for Your Homeowners’ Clients
  Not to be overly dramatic, but ordinance or law is a very real personal lines exposure - often overlooked during the personal lines risk management and insurance planning process. Agents must explain the exposure, the coverage limits and the options. This article lays out the coverage, the problems and the options.

Insurance Coverage en Español
http://www.iii.org/es/insurance-topics/all-coverage-en-espanol

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