Most eligible residential dwellings are insured under some type of homeowners policy that combines property and liability insurance into a single policy. This course analyzes ISO's 2011 homeowners insurance policy forms. Explanations of key areas in which each of the six homeowners forms in the 2011 homeowners program differs is included; however, the chief focus of this course is the homeowners 3 special form (HO 3) since it is the most used form.
Designed For:
Property and casualty insurance agents, brokers, adjusters, and claims professionals at any level in their career
Adding additional credit may change exam requirements.
Positive experience, and will be utilizing again for additional credit hours needed.
This was a good course. I am in the commercial insurance field but learned alot about my homeowners insurance policy.
I have been in the insurance industry for over 20yrs and have always used WebCE for all of my continuing ed credits. Thank you!
it was great
Love WebCE for my continuing ed!
Great course , Easy to read, very comprehensive.
The only thing that I would adapt to is having the WebCE products easily Identifiable for Adjusters. Took a long time to figure out which one was which.
Glad it is completed
Thank you
With moreeeeee and moreeeeee attorneys on board some of the legal examples listed have been changed, and are not black & white as shown, Over-all, the liability situation examples were good. Thank you. --Pete
Excellent material. Will come back again
thank you
Thank you for making the CE courses with audio
Very good
I like being able to pause and read the information a second time it helps to retain the information.
Really liked the no time limit and open book experience.
Love WebCE to keep me educated
really enjoyed the course and was very clear and instructional
I found the computer generated voice to be distracting and difficult to follow.
thanks!
Love this!
This was a good experience and I will recommend it.
A few areas misconstrued coverage. Also, some of the Personal Property examples of coverage cited examples of structure losses.
Had to work hard on this one
Breaking up sections and audio to be under 20 min for each file would be ideal to help make the material easier to digest
This course was very challenging as well. I enjoyed this class.
I loved the examples that were given to make sure that the language was understood.
This course could be broken up into smaller chapters
Thank you!!
Will continue to use.
For a person who just moved to a state and have to complete CEU's. The stipulations for the mentor was challenging. We are required to get personal info that probably only a family member, coworker, supervisor or boss would entrust. I would not give some of the information asked for to an acquaintence. I reaches out to a person I worked with 12 years ago who lives here. Talk about a ram-in-the bush. Lord I thank you for being a providing God!
the more real life examples the better, some of this stuff is very hard to understand.
Very easy to use.
Course material sometimes difficult to relate to exam questions.
I would suggest breaking up some of the content into multiple pages. Some of the pages take 45-50 minutes to get through with the read-it-to-me audio reading continuously.
several chapters were too long,, making it hard to keep concentration
I feel like it was a lot of information and material on the course. It was a bit overwhelming.
Some questions are written and worded oddly making it more difficult than it needs to be
I thought the course was thorough and educational
Excellent experience.
Good information and easy to understand. The lessors are tailored to meet my needs. It is a very good refresher course. keep up the good work
Great Videos
I dont feel like enough time was allocated for material and test.
loved the course
It would be nice to be able to return to the homepage without having to keep logging back on after completing a course and/or exam.
Would suggest reducing the content size in half to allow for the course material to be completed in 4 hr segments.
Love this platform!
Thanks again! I will continue to use WebCE!
Great Course!
Thank you!
I have been using Webce for several years, and it's the best choice ever. Thank you!!!
This is an extensive course and offers a summary of content with Homeowners insurance.
Fair amount of repetition in this course
I have used web CE for over 10 years and love it
Have used WebCe before and will do so in the future!
im ok with course material and how it is presented
Thorough
videos lesson
Great experience
long course
There should be estimated completion time added on the curse description for customer who are using company paid time so a realistic amount of time could be allocated to finish the courses
I would like for the course to have the example test questions at the end of each chapter
Well presented and generally pretty easy to navigate.
I didn't like the quality of the voice when using Autoplay/Read it to me. It is very monotone and annoying.
Thank you for a quality educational product.
Thank you this course was great!
I appreciate having multiple ways to study
The audio had multiple instances of disruption.
Great content!
Good course because it read to me.
I have used this web every for years and will continue to use it in the future
The materials for the course were great.
In the state of Florida public adjusters are not allowed to handle liability claims which includes a large percentage of the test questions.l
Great course
Some of your course work was incorrect. Especially around loss assessment coverage. The questions on some of the exams were misleading. Also, some grammar errors
appreciate the ease in using this course.
This was a good course. Straight forward and easy to understand. I especially liked the features where I could go back to previous pages and also the exit and save and the clock that showed how long I was studying.
easy to understand
Had issues with login one day. Otherwise very good. Thank you!
Great layout. Easy to read/understand.
Awesome
Some content and test questions were presented out of order making some test questions confusing and purposely obfuscating.
It was alot of information but it was good .
The exam was hard, and it would be better if there were different people reading the information per chapter. The reading voice became boring, and I became distracted because it was the same voice the entire time on every chapter.
user friendly and great content.
This was a very lengthy course and I do not think that the time scheduled was enough to go through the entire course, understand it and then test.
Found courses very instructive
I found this course to be VERY long and tedious. Perhaps it could be broken down in smaller chapters?
Add some interactives besides the ch quizzes
The 8 hour course is to many hours for the course content
Great course and it was easy to follow.
nice quick easy
Very good material.
Easy to use, very efficient, self paced and great chapter quizzes and final exam. Will use Web CE at renewal every time!
I liked the content of the course and read it to me audio
I use this every time my license is up for renewal and I love it
Excellent course, content is extensive, well organized, clear and concise. Examples make it easier to understand. Great course!
I would recommend at the end of each chapter a summary of what was learned for each chapter.
test was to long.
Need more reading time.
Great course! Don't change a thing!
Good online CE class
All was good
The read it to me audio would have been much more effective if it had not been monotone and without inflection.
another 2 yrs of testing and it always helps using your course... thank you
if there is a way to have the artificial intelligence reduced in the audio playback it would be a better concept to have.
webce is very user friendly
very easy to navigate
Some of the material seemed to repeat itself but other than that it was good
great course
The exam questions were way too long.
I like the way the course was designed to teach the subjects so you can learn them.
great content
I liked the feature where audio could read the text to me. I also liked the ease of accessing the course on different devices.
I'm sure the laws are strict on what you can do and can't. I'd like to see more breaks in the material with photos or more examples or videos. That is some hefty reading.
Thank you for making the learning experience so much fun
Excellent job of presenting pertinent information in an easy to understand manner.
Thanks again! See you in two years, if I'm still around. :p
Very helpful and easy to understand
Web CE is my go to for continuing education. I highly recommend Web CE to my adjuster friends to stay current with law, ethics and claims handling.
We need to be more communicative on proctors that are required for these exams when they are needed. Learning the day of that i need to find someone to proctor my exam was very stressful.
very easy to use and clear practice tests to prepare for exam.
go to sorce for CE!
For visual learners, some visual video/illustrative content to help relay the concepts in addition to the written content would be helpful. Thanks!
THE COURSE IS GOOD KNOWLEGE .
ours reads like it was written by two or more authors . the first sections were confusing, dis-organized, and contradictory. Poor examples which in many cases didn't fit the content. Example; re-using the retaining wall damaged by wind in the contents section of the course. How would a retaining wall be damaged by fire and subsequently by wind. nonsensical.
Great product
Very Informative.
This course was too many hours for this material 12 hours is too long
fabulous!
This was great Thank you for making it a simple process for me !
All Good, Great Course WebCe
I wish the reader of the class had a more excited voice and that there were videos.
Very informative
Excellent refresher course on the HO policies with some of the new endorsements available. Definitely worth the time. Thank you.
I appreciated the open book option and the completing the course on my own time. Thank You
the audio could be less robotic sounding so its easier to undertand. Visual slide shows would help as well.
Some terminologies like "preclude" can be very confusing. Legal terms should be defined.
Very easy to follow along.
The course material language at times ambiguous in the context it was presented. Using more simple terms would be sufficient in grasping the concept. Some of the material seemed contradictory or generated more unanswered questions.
It was easy to understand
Great platform for CE credits!
Long sections, repetitive information, no breaks, not enough time to digest the info, but the exam is easier than expected.
This is a good course but I did get a little thrown wondering if the policy was endorsed or not.
OUTSTANDING!!
Public Insurance Adjusters do not handle Liability claims. There was too much attention paid to this area of insurance.
this is a very comprehensive class
The "Read to Me" narrator is monotonous. I prefer to listen to the material being read to me as needed. I would not chose this option again.
in the sample questions after each chapter- on at least 2 occasions I marked the correct answer, but it was graded wrong (saying I chose another answer)
WebCE is great!
Great Course
The voice read back audio is very helpful for me as I have test anxiety. Thank you for making this an available feature.
Very happy with material. Easy to study and test.
I love your classes -- i learn alot doing my CE.
The Examples given were excellent. In so many courses taken over the years the information provided has gaps that need to be further clarified with examples are they are usually not provided. Further clarification with an example / scenario is often needed to fully understand the subject matter. The examples and explanations given were perfect and helped so much.
Same problem as the flood... not as engaging as the ethics
excellent! loved the simplicity and ease of the courses! Thank you! please add more coupons to lower the cost!
There were a few typos
Very good course!
The only thing that was difficult for me was, the reading of the material was a bit robotic, but I was still able to focus on the material.
Very easy to navigate.
pretty good experience with the overall courses
Very well put together course. Great for doing Ce at your own pace
Clear and well organized website.
Very user friendly format, questions were concise andto the point
Very confusing verbiage.
Course was great, just wish I had more time allotted to complete
I liked that the course provided reasonable example of explanation.
Wayyyyy better than Kaplan for CE! Wish I would have completed all 24 here instead of some with Kaplan! next year though :)
It was a very informative course.
Phew! That was very long! But it was my first time taking it. Likely shorter next time.
Love this website
I have been taking these CE tests for many years. This is by far the most well written, articulate, and well-organized that I have taken.
I have use your CE courses for years and will continue to do so
Always enjoy the classes.
time provided was not sufficient but the content of the course was great
Excellent course for home owner's policies. I learned a few things I didn't know! Thanks!
This is my 4th recertification and it really helps to stay abreast with information that we rarely use at times. WeCe keeps it very plain and informative.
Super easy to learn and take the test!
Been using this site since my first CE was due in 2009.
Too hard
Great course!
this course was too long to complete in one day...constant reading for hours is a mind bender!
The audio voice was very mondain and boring. Maybe a switch from one reader to another would eliminate that.
great course!!
Some of the questions were worded poorly, when compared to what you learn during the course.
Great ce courses and extremely appreciate how you made the testing seem so easy. Great content, I'm a new agent. I will definitely be using your services for future education.
Excellent tool, course material, and very easy to use.
The course flopped between topics too much and did not flow in a linear fashion that would make it easier to learn and retain the information.
Great Content!
Need to do a better job on the questions.... I feel that some questions in regards to section 6 were to loose.
WebCE always makes earning CEs an easy process
Always appreciate WebCE!
This course has provided me more knowledge than one could ever dream of. I love the material that was presented to me. Thank you,
The representative that help me establish my account was outstanding!!!
Great information, nice flow to the training review sessions!
I found the examples/scenarios extremely useful!
Excellent course. Long but informative and closely matched the final exam. I thought I scored 100% as I answered the 25th question the same as the system showed when I asked to see the 1 incorrect question, number 25. I answered D. Changes types of coverage ...ie personal or business computer is covered.
best on yet
great work
Long, but interesting. Thanks.
Walls of text. Wish you could add videos, more photos, pictures. One part of this course was several 30+ minute audio recordings and just massive walls of texts. Hard to get through this.
The reading material was very helpful
I wanted to listen to the content but the computer generated voice was very slow and i ran out of time toward the end. The audio was REALLY bad. The rest was fine.
This was very user friendly.
Lamonia is wonderful answering phone today and providing help
I have learned a lot, Thank you...!!
would like more practice qu
There are several typos.
audio was a bit too monotone
Concurrent causes explanation very confusing.
some areas of the audio - just because is was a computerized voice rather than a real human. I would be nice if you could change that.
Extensive Continuing Education module, it was very good!
Excellent refresher
I thought the course was well in prepared in the pre-learning prior to testing in that it made some great examples when referencing the particular policy aspects. The preliminary information was however EXTEREMELY broad in scope and no one short of a P&C Ph.d verteran adjuster would be able to handle it all. With that said you compensated by coming "back down to Earth" in the final test content in that you narrowed it back down and also offered some "Logic Opportunity" as a function of the test criteria for those that have a brain that works. So all in all it was a great refresher, but possibly to overwhelming for a young adjuster, and with an acceptible test difficulty level for those that did not freak out in the presentation material.. Not too bad but again thats coming from a 25 year Property vet with some background in all lines and an AIC...
great course, learned a lot!
Your entire system is easy to use and convenient
It was very informative and expanded my knowledge on homeowners endorsements and provisions.
Very much dislike 50 question test at completion
very good course
A lot of content for one course, maybe break this course down into the property section and the liability section...
I would like to know what the correct answers to my missed questions were
I think instructions for accessing the reading portion should be updated. In following the directions, neither I nor my proctor was able to find where to start. We actually start by clicking the pdf to print icon that was located in the upper right hand corner
the test os to lng to many questions
Great course. I like how it's not a bunch of tiny sections.
When a a chapter is very long, it would kick me out after a certain amount of time because of inactivity even though it was still reading to me.
The homeowners policy section was not clear in the questions set
The wording of the questions are very confusing. I feel the questions aren't clear & could be worded better.
Very well presented
Good class.
I had to go to the library 3times to do the test
Taking this course made me think - is the required hours a number they just felt was needed or necessary? Or was the course work put together and it takes this many hours to complete so that's the hours we will require? 1 issue is the 8hr and 12hr courses finished an hr sooner then the hrs stipulated. and the course seemed repetitive. I think the course could shrink by 3hrs and clean up some of the repetitive material and get the times to equal the actual time it takes to listen to the material. Other than that this course and tests were great! Very appreciative of the online option to do at home at your own pace!! It's an awesome way to get CE done!!!
.THE TRAINING WAS ON POINT
great courses with a lot of information.
Thank you for your ease and professionalism with sending in credits timely. Y'all are the best!
Need more time to read or listen please.
I enjoyed this course.
What I like the most is only 25 questions. Thank You
Very good, helpful!
easy process and great examples
I did not use the audio
Thank you... :)
I have used Webce for years, it has the best platform
loved the ellipsis allowing choice of speed control of narrative.
Excellent course.
Easy to navigate. No complaints.
Excellent learning opportunity - thanks!
Thank you.
you have a lot of spelling errors all through the test and learning material . incorrect words and verbiage , past tense words in the wrong places please use spell check or get a better proof reader
fantastic
Getting back into the course was HORRIBLE. Had to call several times.
Quiz at the end of Section 6 has a typo which appears, after answering the quiz questions, in the comment and states the son bit the dog. Also, providing clear distinctions between actual 2011 ISO HO3 policy wording and the author's wording would help clarify information in this course. The course sections appear to be long continuous flows of ideas without clear and precise distinction between actual 2011 ISO HO3 policy excerpts and the author's text.
More lament terms please
The course was great overall, but there are parts that I think would be confusing to someone who is a beginner to the industry. The wording in the endorsement section was at times unclear.
The Homeowners 2011 Policy: Understanding the Coverages Course is one of the most difficult On-Lone Continuing Education Courses that I have ever taken. The content contained an enormous amount of information to be absorbed quickly. For me, the Read-It-to-Me Audio is a useless feature. I tried it and found it difficult. When reading/Listening to so much information, I had to take notes. The Read-it was not helpful, resulted in distraction, and becoming disorganized. I will say that I needed the course and learned quite a bit. This course is much more effective that a simple "listen and learn" course with no Exam. That type of course is useless and no one learns anything. I really hope to see some examination of your course, It has many great features, but it needs to be condensed, note taking made easier for the student, a Course Booklet provided so that we don't ruin our eyes with concentrated watching of the computer screen, and become extremely frustrated with the difficulty of trying to concentrate. BUT: thanks for the course, I learned a lot, and achieved my objectives. Thanks again.
This course is too long. It may be more effective to split it into different courses.
I wish our company scheduled us more time.
Thank you, very straight forward and well done
I LOVED that each page was not loaded with many questions, and the questions were realistically written. Thank you so much!
good study
Will always order from this site.
will never use any other study material but web ce
The content was described in a manner that was easy to understand. The audio was very helpful in allowing me to comprehend the material. the sections were comprehensive and infromative
Update the examples to be a bit more modern.
i learned a lot thanks!
Very good course.
very wel
awesome
look forward to doing it again than you so much
There are too many questions.
Great content and ease of use. Especially enjoyed the timing available to complete.
I found the course very interesting
I felt this test was very comprehensive, easy for me .. I was so happy to get a 92 at the end :)
all good
very user friendly and clearly stated
Out of all the courses I took, I thought this final exam was the most difficult.
I love your courses. They are very easy to navigate and easy to understand.
The material was great but i'm more of a visual and interactive learner. Also at the end of the exams it will let you review questions you got wrong with the answers that you chose but won't give you the correct answer?
I had to call in to have my Safelite and my account attached. The gal that took care of me did a great job, helping me to choose which courses to take.
Great training
it was a little boring, maybe include some interactive media.
The read to me audio is very monotone. It will put you to sleep.
Very good .
excellent course
Good detailed information and easy to read and follow
I appreciate the individual breakdown for each section after the completion of the exam
Liked the examples used in the material... after a long wordy paragraph, or sets of paragraphs, the examples were an effective way to communicate the content.
The audio voice will put you to sleep. Audio quality could use improvement as well. However, having the audio option is critical to me because it does hold my attention better than me reading the material on my own.
There needs to be a quicker way to get to the keywords after you search for them. That makes it more time-consuming. Claim Reps usually always have lots of work to get back to.
Great format!
I found a lot of misspelling errors in this section.
great course.
I would ask that you fix the wording on number 17 of the homeowners Policy Test.. None of the answers consists of the roomers, but the questions asks "which of the roomers would have coverage for their belonging under Sandy's policy"
examples were helpful to further explain information
I would prefer more practices quiz
Thanks for the availability, accessibility of the Courses , and the opportunity to get educated on Insurance compliance issues.
This course took longer than 12 hours to complete and the continuing education credits should have been more in line with 15 or 18. I find this is consistent with WebCE courses.
Excellent course! Wow, it's been a bit since i've seen some of the content I read. Very much appreciate how easy the course was to follow and the quality of information!
Completely satisfied
Very informatibd
Even it is a requirement not to disclose the right answers, it should be in the benefits of all to learn more from our wrong answers, that way we dedicated more time to study the concepts where we failed.
I've been working in homeowners claims for 20+ yrs. I enjoyed thinking through the questions. It was a fun exercise.
great experience
Videos would be great!
Enjoy this every couple of years
too many questions about earthquake coverage for a Texas exam.
The best! Thank you!
The course actually provided adequate information that pertains to everyday knowledge in the industry. There were no trick questions which does not pertain to insurance.
Very Good source for CE.
WebCE is the best company I've ever used. I recommend you always.
The information was quite redundant. In addition, some sections were way too long and jam packed that it seemed like they would never end. It’s much easier to grasp the information when broken down into multiple pages or sections.
Excellent courses.
The computer voice is almost good. but annoying too many times. It mispronounced words, paused too long at commas, and said things like "one colon zero zero" for 1:00 or said "dash" instead of "minus" in a math question. It was overall distracting too many times.
fair & informative
I recommend someone looks at questions 33, 35, 43. and 50. The wording seems incorrect.
I found the examples citing people and the insurance situation showing how the claim would play out.
The frequent examples helped with my understanding of the material.
My main grievance dealt with the ambiguousness and lack of clarity in the questions asked on the tests. The question under the liability section that asks "Who is not covered by the HO 3 policy" -The question did not advise what coverage type they were talking about (personal contents, liability, etc...). I still do not understand the reasoning for the answer on that question.
Each time I take a course, even to refresh my knowledge, I learn more. Thank you!
this was awesome and very informative
Very easy to understand and use, I will be using this program next time.
I would prefer that you material would be more state specific. I am in Texas and we do not provide earthquake insurance.,. So questions about that are worthless.
using you for years ….
The interactions and examples were very helpful for me.
Great course great refresh for me as a high value agent - I needed the review.
In a few questions, it appeared that some questions did not match the example given.
SEE YOU NEXT TIME...THANKS!
Hard to understand questions. Very tricky.
Everything was very easy to follow, understand and complete. I will definitely continue using WebCE. Thank you!
It was a lot of reading, which can be hard to get through. A recorded audio version would be nice.
love wEbce!!
Great courses every time
The details of inclusions / coveraged / exclusions & exclusions to exclusions were cumbersome. Got to be better way of presenting material for retention sake.
NEEDING MORE EXAMPLES PER COVERAGES
Easy to follow, the audio was really helpful, the consulting section very helpful as well
it is lot of material. need little more time
Being able to use the course information to complete the quiz is very helpful and useful.
Need more than a 8 hour day to complete
Love the courses:)
It helps me to understand more about the overall insurance business and its principles.
COntent
Once purchased courses should not expire.
none at this time
Very wordy. Have to read material several times to get a clear understanding
Great resource and materials.
So much great information! Thank you!
I have been using Web CE for many years and I really love your courses! Thanks so much!!!
Great study material, questions & quizzes. It prepared me for the exam at the end.
videos would be beneficial
Wish the course was broken into two parts instead of a 12 hour / 1 course.
Some of the material is hard to follow because it is mostly just reading format
Fast reporting of CE credits
Wish you were the content provider for FEMA's NFIP claim adjuster program.
WebCE is much better and user friendly than the other online continued education coursework
This course was good but alot in one course. Seems like broken into 2 courses would have been better. Over all it was good.
User friendly
WebCE good for you and good for me.
Course is okay... Answers are hidden well..
Awesome, as usual. I love Web CE. Very convenient for the busy professional.
Outstanding course, woohoo!
if this course will be avaliable in spanish.
Easiest in term of function that I have had in an online course
the audio is great but would be nice if it wasn't monotone.
I enjoy this training and the added audio feature thanks!
very good and profesional
Make the course a little more user friendly
Very well done
I love WebCe. It was recommended to me 3-5 years ago and I have recommended it to others. Thank you guys!
had to spend more time studying because a lot of coursed based on claims information, that agents do not get involved in, but good to know.
Wish the read to me option could be sped up some.
Easy to understand
Read-it- audio is hard to listen to for extended lectures. It is computer generated, understood, but the tone is difficult to listen to for 30, 40, or even an hour. Thx
easily presented and understood materials
Easy to use system, clear instructions
Course material repetitive
when purchased i was supposed to get 15% discount, i never received it for the course
No Comments
It was great.
self paced, loved the course
What I like the most is the ability to review as I go.
Have always used Webce and with your partnership with Pilot its makes it so much easier and affordable.
The course was easy to use and very informative
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Most liked was the audio.
Excellent
I liked the fact you can go right to the exact chapter needed if you are uncertain on an answer
was great
The time is too long. Fast reader.
No thank you
It was seamless and very user friendly.
most questions were easy to find
easy to follow
no need for improvement
too many test questions
Will take all my CE credits with webce
no comment
EASY TO UNDERSTAND
Instructions on whether or not you provide the results straight to the DOI or I need to do that would've been great at the beginning, when I was purchasing, because that information is important to me when I'm purchasing coursed. I need to know how easy it's going to be about getting my credits counted.
TYPOS AND QUESTIONS IN EXAM ARE VERY GREY AREA AND NOT PRECISE AS COVERAGES MAY DIFFER FROM CLAIM TO CLAIM
No recommended changes.
The material used in this course made it very interesting to take.
Second time for me to use WEBCE for my CE requirements. Same satisfied result, thanks!
:) Thank you!
Easy to comprehend