Dwelling And Homeowners Exposure And Insurance-NH

This insurance continuing education course covers the risks involved in owning a home, and the ways in which individuals and families can use insurance to protect themselves from these risks, including which coverage forms and endorsements are appropriate under various situations and for various clients. Subjects included:

• Personal insurance exposures of individuals and families, including property and liability exposures;
• Risk management and insurance as one of several risk management techniques;
• The Homeowners policy, breaking it down and analyzing each section of the policy in detail, including the forms available, eligibility, and modernization of the contracts used in the industry today;
• The HO3 policy property section compared to other HO forms available and when each would be used in various situations;
• The HO policy liability section in great detail;
• The various endorsements available, how, when and why they might be used to modify the policy;
• Underwriting and rating homeowners insurance;
• The dwelling policy program, including the liability supplement and optional theft coverage, and when and why it may be used instead of a homeowners policy; and;
• Allied lines coverage for homes and dwellings such as flood, earthquake, fair plans, jewelry coverage, watercraft, farm and umbrella liability

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 CE Subscriptions Need more than one course? Often a 1 year subscription will save a lot when compared to purchasing courses one at a time! Click the shopping menu above to see the subscription options. Upon purchase, the student will have access to all of the courses on the course list tab for a given state.   You can click "Go to My Courses" on the left navigation bar or go to www.kruisetesting.com and enter the same user name (email address) and password you used to purchase your subscription to open your account.  All courses will be available for download, and all exams will be available to the student for a period of one year from the date of purchase. Just scroll down to the name of the course you wish to take, and there will be links to open the study materials and to take the exam. Students may get credit for each course once during the duration of the subscription. The cost of the subscription covers the online book/presentation, the exam & grading, the certificate of completion, and reporting (where required by law).  The only additional charges that may be assessed are: The state filing fee which varies by state and by individual course. Fees for additional certificates ordered for optional professional designation CE. This subscription applies only to the agent who purchases it, and cannot be transferred to or used by any other agent. Subscriptions expire in 365 days from purchase, there are no refunds for not using the package while it's active.