California Homeowners Insurance Valuation

Course Description

This course covers the training outline as revised in 2011.

In order to successfully meet the requirements of the California Insurance Code, a Fire and Casualty Broker-Agent or Personal Lines Broker-Agent must have significant knowledge of the proper methods of estimating the replacement value of structures. With this training, agents will be able to explain various levels of coverage under a homeowners insurance policy, have an understanding of the elements that comprise the value of a dwelling, convey this information to insureds, and make recommendations for the appropriate levels of coverage.

The course covers the following topics:

  • Homeowners Policies vs. Dwelling Policies
  • Basic Property Valuation Concepts
  • Components of a Dwelling’s Replacement Value
  • How Catastrophes Affect Replacement Costs
  • Endorsements to Homeowners and Dwelling Policies
  • Types of Building Construction
  • Methodology of Determining Value
  • Wildfire Mitigation
  • California Residential Property Insurance Disclosure

This course has been approved to meet California’s three-hour training requirement  for agents who transact, negotiate, or sell homeowners’ (HO) insurance.


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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