Homeowners 2011 Policy: Understanding the Coverages


Most eligible residential dwellings are insured under some type of homeowners policy that combines property and liability insurance into a single policy. This course analyzes ISO's 2011 homeowners insurance policy forms. Explanations of key areas in which each of the six homeowners forms in the 2011 homeowners program differs is included; however, the chief focus of this course is the homeowners 3 special form (HO 3) since it is the most used form.

The mandatory Home-Sharing Host Activities Amendatory Endorsement that ISO introduced in 2016 is also addressed.

Learning Objectives

Upon completion of this course, students will be able to:

  • distinguish among the six 2011 homeowners forms in terms of eligibility and coverage;
  • explain the HO 3 form's basic coverages and exclusions that apply to the dwelling, other structures, personal property, and loss of use;
  • explain the basis of legal liability and describe the liability coverage provided by homeowners policies;
  • common homeowners' endorsements and how they impact coverage.

Designed For

Property/casualty producers; adjusters

International Risk Management Institute, Inc. (IRMI) is the premier provider of risk and insurance continuing education and reference publications, and is considered the ultimate authority by leading insurance practitioners. Written by industry experts, IRMI courses provide the most up-to-date, practical and reliable information possible.

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