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Section 1
Apply homeowners, dwelling, renters, condominium, mobilehome, earthquake, flood, and FAIR Plan concepts
Preview
Preview: Property: Personal Lines (38%)
Preview includes- 4 of 5 lesson topics
- 1 overview segment
- 3 core concepts
- 2 exam tips
Lesson Topics
- Coverage Evaluation Process
- Policy Type Differences
- Earthquake Coverage Details
- Flood Coverage Details
Overview
This objective is an exam-level application of apply homeowners, dwelling, renters, condominium, mobilehome, earthquake, flood, and fair plan concepts. The goal is to move from the facts in a California property-and-casualty scenario to the controlling coverage, contract, or legal rule without assuming facts that are not stated.
Core Concepts
- Homeowners Section I commonly separates Coverage A—Dwelling, B—Other Structures, C—Personal Property, and D—Loss of Use; do not apply a Coverage A limit automatically to every structure or item.
- Renters coverage primarily protects the tenant's personal property, loss-of-use exposure, and liability; the landlord's building policy does not automatically insure the tenant's belongings.
- Condominium-unit coverage is built around the unit owner's property, personal property, loss of use, liability, and potential loss-assessment exposure; always compare it with the association's master policy.
Exam Tips
- Use the five-question filter: Who is insured? What property? What peril? What coverage part? What limit/condition applies?
- For DP forms, memorize the breadth progression: DP-1 basic named → DP-2 broader named → DP-3 generally open on dwelling.
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Section 2
Apply personal auto, homeowners liability, umbrella, uninsured motorist, medical payments, and related concepts
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Section 3
Apply commercial general liability, business auto, workers compensation, professional liability, surety, and umbrella concepts
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Section 4
Apply commercial property, businessowners, inland marine, equipment breakdown, crime, and business-income concepts
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Section 5
Apply risk, loss, indemnity, insurable interest, contract, producer, insurer, market-regulation, and claims principles
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Section 6
Apply direct and indirect loss, valuation, limits, deductibles, coinsurance, causes of loss, conditions, and exclusions
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Section 7
Apply risk, contract, distribution, producer, insurer, market-regulation, and claims principles to casualty coverage
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Section 8
Apply negligence, damages, defenses, occurrence, claims-made, limits, duties, exclusions, and other-insurance concepts
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Section 9
Resolve coverage, limit, loss settlement, additional coverage, endorsement, and claim decisions from the policy facts
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Section 10
Resolve insured status, covered auto, liability, physical damage, exclusions, limits, and claim duties from the facts
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Section 11
Match a commercial casualty form or endorsement to the organization’s operations, contracts, vehicles, employees, and claim exposure
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Section 12
Match a commercial property form or endorsement to the organization’s exposure, property, location, and continuity needs
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Section 13
Choose the licensed and ethical producer action required by the stated California property transaction
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Section 14
Determine which property provision responds to the stated ownership, occupancy, peril, and valuation facts
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Section 15
Choose the licensed and ethical producer action required by the stated California casualty transaction
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Section 16
Determine which liability provision responds to the stated claimant, injury, damage, timing, and insured status
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Section 17
Apply California pet-insurance disclosure, waiting-period, exclusion, reimbursement, and renewal concepts
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Section 18
Compare pet policies using covered conditions, exclusions, deductibles, limits, reimbursement, and provider access
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