Homeowners Policy: Key Property and Liability Coverages - CLEQ


Most eligible residential dwellings are insured under a homeowners policy that combines property and liability insurance into a single policy. Effective March 1, 2022, the Insurance Services Office, Inc. (ISO), introduced a new 2022 program that made substantive changes to the standard nationwide homeowners forms. This course focuses on the coverages provided under the 2011 and 2022 homeowners policies, paying particular attention to what has changed and how the policies can be modified to meet specific insured needs.

Learning Objectives

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

  • distinguish among the ISO homeowners forms currently in use
  • explain what is covered under Coverages A, B, C, and D
  • understand the causes of loss, exclusions, additional coverages, and endorsements that can be used to tailor the property coverage
  • distinguish between personal liability and "medical payments to others" coverages and the exclusions and additional coverages that can be used to tailor the liability coverage

Designed For

Property and casualty insurance 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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