FLA-Homeowners Insurance Course
Lessons
FLA-Homeowners Insurance Course Chapter 1
FLA-Homeowners Insurance Course Chapter 2
Exclusions The HO-3 insures against risks of direct loss to property described in Coverages A and B but only if that loss is a physical loss to property. Coverage is…
FLA-Homeowners Insurance Course Chapter 3
Coverage C – Covered Property Coverage C provides insurance for personal property of the insured. Special limits apply to some types of property and some property is excluded from coverage.…
FLA-Homeowners Insurance Course Chapter 4
Covered Perils under Coverage C Insurance is provided under Coverage C for direct physical loss to personal property from the following sixteen perils: Fire or lightning – The Fire Insurance…
FLA-Homeowners Insurance Course Chapter 5
Coverage D – Loss of Use In the event of a loss under Coverage A, such as fire damage to the dwelling, the insured may lose the use of the…
FLA-Homeowners Insurance Course Chapter 6
Conditions and Duties of the Insured The conditions applicable to Section I of the HO-3 policy primarily deal with the rights and duties of the insured and the insurer following…
FLA-Homeowners Insurance Course Chapter 7
Additional Loss Settlement Conditions Insurer’s Option – This condition gives the insurer the right, after providing written notice to the insured, to repair or replace any part of the damaged…
FLA-Homeowners Insurance Course Chapter 8
Comparison of the HO-4 and the HO-3: Since the HO-4 provides insurance for tenants, the policy does not include coverage for the dwelling and other structures provided by Coverages A…
FLA-Homeowners Insurance Course Chapter 9
Comparison of HO-6 and HO-3 Coverage A – Dwelling – Coverage A of the HO-6 applies to the insured’s real property. This coverage is provided on a named-perils basis and…
FLA-Homeowners Insurance Course Chapter 10
Section II – Liability Coverage Homeowners Policies meet both the Property and Liability Exposures of a wide range of insured. The Section I coverage discussed up to this point provides…
FLA-Homeowners Insurance Course Chapter 11
Exclusions to Coverage E and F The Liability Coverage in Section II provide broad protection for the insured; however, the exclusions in Section II limit or eliminate coverage for specified…
FLA-Homeowners Insurance Course Chapter 12
Exclusions to Coverage E- Personal Liability The exclusions to Coverage E -Personal Liability restricts or eliminates coverage provided for Bodily Injury or Property Damage. These exclusions apply to the following:…
FLA-Homeowners Insurance Course Chapter 13
Additional Coverages Section II also provides additional coverages related to an insured’s liability exposures. These additional coverages are in addition to the Limits of Liability shown on the declarations page…