Homeowners Insurance Valuation


Insurance companies, producers, and the insurance-buying public must consider many challenges when determining appropriate limits of insurance for a homeowners or dwelling policy. Insurance to value is always the goal when setting values for residential buildings, but this is one of the challenges for insurance companies, agents, and the insurance-buying public to determine the appropriate limits of insurance.

This course focuses on issues relating to the valuation of residential buildings and structures and discusses the associated policy provisions of dwelling and homeowners insurance. (This course does not deal with the valuation of personal property, nor does it directly address issues relating to loss of use.) It is appropriate for those who have an understanding of dwelling and homeowners insurance. 

Learning Objectives

Upon completion, students will be able to:

  • define insurance to value and explain its importance
  • explain basic concepts and policy provisions that determine a home’s insurable value
  • identify variables that affect a home’s replacement value
  • identify various methods that may be used to establish a home’s insurable value

Designed For

Property and 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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