Most residential dwellings are covered by a homeowners policy that includes both property and liability insurance. On March 1, 2022, the Insurance Services Office (ISO) introduced significant changes to the standard homeowners forms. This course examines the coverages under the 2011 and 2022 policies, highlighting the changes and how to tailor them to specific needs.

• 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

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