IRMI on Homeowners: Liability Coverages


Homeowners face a number of loss exposures arising from liability, particularly relating to personal liability and medical payments. Understanding the exposures and the insurance coverage available is essential to arranging proper coverage. This course provides insight into liability coverages provided under common homeowners forms. The two main areas—personal liability and medical payments to others—are described in detail. 

Learning Objectives

Upon completion, students will be able to:

  • explain the basis of legal liability and the way in which homeowners insurance functions to protect insureds from the financial consequences of that liability
  • differentiate between personal liability and “medical payments to others” coverages
  • identify all of the various personal liability and medical payments exclusions
  • identify the 10 conditions applicable to liability coverage

Designed For

Property and casualty insurance agents, brokers, and adjusters at any level in their career

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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