• 12 Credits

    In the state of North Carolina, you need 24 credit hours every 2 years. Once you complete this course, we'll send over your passing grade so you get the credit you need.

  • 27 Chapters

    This course takes you deeper into property and casualty insurance, flood, and ethics so that you not only get CE credits for your state but you gain valuable knowledge.

  • 3-6-5

    Access your courses, certificates, transcript here 365 days a year. Everything you need in one place so you can get back to what matters to you.

Course Curriculum

  • 1
    1. Homeowners Insurance: Homeowners Insurance Basics
  • 2
    2. Homeowners Insurance: Harry and Jane’s Special Form Homeowners Policy, an Overview
    • 2.1 The Declaration Page
    • 2.2 Property Coverages: Dwelling
    • 2.3 Property Coverages: Other Structures
    • 2.4 Property Coverages: Personal Property
    • 2.5 Special Limits of Liability
    • 2.6 Property Not Covered
    • 2.7 Loss of Use
    • 2.8 Additional Coverage
    • 2.9 Summary
    • Chapter 2 Quiz
  • 3
    3. Homeowners Insurance: Harry and Jane’s Homeowners Policy, Perils Insured Against
    • 3.1 What are Perils?
    • 3.2 Perils for Coverage A and Coverage B
    • 3.3 Perils for Coverage C
    • 3.4 Summary
    • Chapter 3 Quiz
  • 4
    4. Homeowners Insurance: Harry and Jane’s Homeowners Policy, Liability Coverages
    • 4.1 Coverage E: Personal Liability
    • 4.2 Coverage F: Medical Payments to Others
    • 4.3 Additional Coverages for Section II
    • 4.4 Summary
    • Chapter 4 Quiz
  • 5
    5. Mobile Home Insurance: Mobile Home Insurance Basics
    • 5.1 Introduction
    • 5.2 Property Coverage
    • 5.3 Property Not Covered
    • 5.4 Coverages Provided
    • 5.5 Property Exclusions
    • 5.6 Summary
    • Chapter 5 Quiz
  • 6
    6. Mobile Home Insurance: Variations on the Mobile Home Policy
    • 6.1 Occupied Mobile Home Insurance
    • 6.2 Named Perils Mobile Home Coverage
    • 6.3 Named Perils Adjacent Structures Coverage
    • 6.4 Named Perils Contents Coverage
    • 6.5 Extension of Contents Coverage
    • 6.6 Collision Coverage
    • 6.7 Additional Coverages
    • 6.8 Exclusions on Named Perils Coverage
    • 6.9 Summary
    • Chapter 6 Quiz
  • 7
    7. Mobile Home Insurance: Optional Coverages
    • 7.1 Endorsements to the Mobile Home Policy
    • 7.2 Summary
    • Chapter 7 Quiz
  • 8
    8. Fire Insurance: Fire Insurance Policies
    • 8.1 Overview
    • 8.2 What is the Dwelling Fire Policy?
    • 8.3 Summary
    • Chapter 8 Quiz
  • 9
    9. Fire Insurance: Coverage Parts
    • 9.1 Coverages
    • 9.2 Other Coverages
    • 9.3 Exclusions
    • 9.4 Conditions
    • 9.5 Summary
    • Chapter 9 Quiz
  • 10
    10. Fire Insurance: Perils Insured Against
    • 10.1 Buildings, Structures and Contents
    • 10.2 Other Coverages
    • 10.3 Conditions
    • 10.4 Exclusions
    • 10.5 Summary
    • Chapter 10 Quiz
  • 11
    11. Fire Insurance: Endorsements
    • 11.1 Coverage Forms
    • 11.2 Cancellation Endorsements
    • 11.3 Deductible Endorsements
    • 11.4 Miscellaneous Endorsements
    • 11.5 Liability Endorsements
    • 11.6 Summary
    • Chapter 11 Quiz
  • 12
    12. Flood Insurance: Introduction to Flood Insurance
    • 12.1 Why Flood Insurance?
    • 12.2 Facts About Floods
    • 12.3 Federal Disaster Assistance
    • 12.4 Summary
    • Chapter 12 Quiz
  • 13
    13. Flood Insurance: The National Flood Insurance Program (NFIP)
    • 13.1 Overview
    • 13.2 History
    • 13.3 The Beginnings of Private-Sector Flood Insurance
    • 13.4 Definitions
    • 13.5 Information for Buyers
    • 13.6 Summary
    • Chapter 13 Quiz
  • 14
    14. Flood Insurance: Understanding the Risks
    • 14.1 Available Flood Insurance
    • 14.2 Preferred Risk Policy
    • 14.3 Limitations and Covered Losses
    • 14.4 Basement Coverage
    • 14.5 Other Covered Losses
    • 14.6 Deductibles
    • 14.7 Covered Preventive Measures
    • 14.8 Filing a Flood Insurance Claim
    • 14.9 Summary
    • Chapter 14 Quiz
  • 15
    15. Flood Insurance: Flood Hazard Policy Forms
    • 15.1 Types of Flood Hazard Policies
    • 15.2 Agreement and Definitions
    • 15.3 The Coverages
    • 15.4 Exclusions
    • 15.5 Insured’s Responsibilities
    • 15.6 Policy Guidance for Closed Basin Lakes
    • 15.7 Summary
    • Chapter 15 Quiz
  • 16
    16. Auto Insurance: Auto Insurance Basics
    • 16.1 Introduction
    • 16.2 Evaluating Risks
    • 16.3 Summary
    • Chapter 16 Quiz
  • 17
    17. Auto Insurance: Personal Auto Application
    • 17.1 Applicant’s Name and Address
    • 17.2 Policy Period
    • 17.3 Residence
    • 17.4 Garage Location
    • 17.5 Vehicle Description/Use
    • 17.6 Summary
    • Chapter 17 Quiz
  • 18
    18. Auto Insurance: Coverage and Premiums
    • 18.1 Single Limit Liability
    • 18.2 Bodily Injury Liability
    • 18.3 Property Damage Liability
    • 18.4 Personal Injury Protection
    • 18.5 Additional Personal Injury Protection
    • 18.6 Uninsured Motorists Coverage
    • 18.7 Underinsured Motorists Coverage
    • 18.8 Comprehensive Coverage
    • 18.9 Collision Coverage
    • 18.10 Actual Cash Value
    • 18.11 Towing and Labor Coverage
    • 18.12 Transportation Expenses
    • 18.13 Summary
    • Chapter 18 Quiz
  • 19
    19. Auto Insurance: Additional Coverage/Endorsements 
    • 19.1 Additional Coverage and Endorsements
    • 19.2 Resident and Driver Information
    • 19.3 Accidents and Convictions
    • 19.4 Additional Interest
    • 19.5 Employment Information
    • 19.6 Prior Coverage
    • 19.7 General Information
    • 19.8 Remarks
    • 19.9 Attachments
    • 19.10 Binder and Signature
    • 19.11 Summary
    • Chapter 19 Quiz
  • 20
    20. Umbrella Insurance: Adding On - Umbrella Insurance
    • 20.1 Introduction
    • 20.2 Umbrella Insurance Versus Excess Insurance
    • 20.3 Who Needs A Personal Umbrella Policy?
    • 20.4 Summary
    • Chapter 20 Quiz
  • 21
    21. Umbrella Insurance: Umbrella Insurance and the Law
    • 21.1 Overview
    • 21.2 Two Categories of the Law
    • 21.3 Two Types of Civil Law
    • 21.4 Torts
    • 21.5 Types of Negligence
    • 21.6 Liability Insurance
    • 21.7 What an Umbrella Insurance Policy Provides
    • 21.8 Common Coverage Amounts
    • 21.9 Summary
    • Chapter 21 Quiz
  • 22
    22. Umbrella Insurance: Personal Injury
    • 22.1 Personal Injury Defined
    • 22.2 Defense, Settlement, and Court Costs
    • 22.3 Summary
    • Chapter 22 Quiz
  • 23
    23. Ethical Practices: Why Ethics Matter
    • 23.1 Overview
    • 23.2 Values of Ethics
    • 23.3 Components of an Ethical System
    • 23.4 Ethics and Success
    • 23.5 Purpose of a Code of Ethics
    • 23.6 Ethics in the Workplace Statistics
    • 23.7 Hallmarks of an Ethical Culture
    • 23.8 Summary
    • Chapter 23 Quiz
  • 24
    24. Ethical Practices: Understanding Legal Requirements
    • 24.1 Overview
    • 24.2 Legal Regulations
    • 24.3 Unfair Trade Practices
    • 24.4 Six Principles of Insurance
    • 24.5 The Importance of an Agency Relationship
    • 24.6 Mandatory Licensing and Education Training
    • 24.7 Legal Sanctions for Transgressions
    • 24.8 Summary
    • Chapter 24 Quiz
  • 25
    25. Ethical Practices: Internal Benefits - For Employees and the Company
    • 25.1 Overview
    • 25.2 Code of Ethics vs. Code of Conduct
    • 25.3 Prevents Discrimination and Harassment
    • 25.4 Mitigates Employee Conflicts
    • 25.5 Structures Pay and Promotions
    • 25.6 Serves as Point of Reference for Corrective Action
    • 25.7 Demonstrates Corporate Responsibility
    • 25.8 The Fiduciary Relationship Between Agents, Companies and Clients
    • 25.9 Summary
    • Chapter 25 Quiz
  • 26
    26. Ethical Practices: External Benefits | Client Relations
    • 26.1 Overview
    • 26.2 Honesty and Transparency
    • 26.3 Fairness
    • 26.4 Competence
    • 26.5 Confidentiality
    • 26.6 Ethics and Working with the Senior Market
    • 26.7 Respecting Others
    • 26.8 Summary
    • Chapter 26 Quiz
  • 27
    27. Ethical Practices: Writing a Code of Ethics
    • 27.1 Overview
    • 27.2 Benefits of Defining a Business Code of Ethics
    • 27.3 Writing Style and Organization
    • 27.4 Determining Content
    • 27.5 Advice on Developing a Code of Ethics
    • 27.6 Write it Down
    • 27.7 Sample Codes of Ethics
    • 27.8 Summary
    • Chapter 27 Quiz
  • 28
    Exam
    • Final Exam

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