The HO-3 from A-to-Z Section I: Property Coverages

The purpose of this course is to better equip you in your professional activities as an Insurance Agent or Insurance Adjuster.


Eligible for All License Types

CE Hours:


Welcome to this continuing education course which details the Homeowners insurance policy’s Section I Property Coverages in detail. In this course you will study  the HO-3 Homeowner’s policy, Dwellings (Coverage A), Other Structures (Coverage B), Personal Property (Coverage C), Loss of Use (Coverage D); and Additional Coverages (Part E) Section I Property Coverages. The objective of our HO-3 from A-to-Z courses is to provide you with an analysis that will provide you with an opportunity to become an “expert” as regards the ISO HO-3 policy form. Your course includes a copy of the HO-3 policy form for your analysis and review. These courses provide a “rich” and “abundant” amount of Case Law as an underpinning the policy’s meaning and application.

The course starts will a concise General Review to include the topics of risk and insurance; insurance contract characteristics; contracts; and legal liability. The General Review is followed by a study of the Homeowners insurance policy’s Section I Property Coverage which have been: (1) written by ISO; and (2) embellished and defined by the various court systems.

There are three key features to the A-Z series of Continuing Education courses:

  1. ISO policy excerpts from the policies
  2. A-Z analysis which analyzes the research we have done
  3. Court Cases which demonstrate how the courts have helped to define the ISO policies
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