Now viewing items in Education Library » Homeowners/Dwelling Insurance

This is where you will find articles related to homeowners or dwelling insurance.

Resource TitleDescriptionRating
Additional Insureds and the Homeowners Policy

Mike Edwards of the Big "I" Virtual University examines the entire additional insureds issue from a homeowners insurance perspective, including what you can and can't do to comply with requests for certificates of insurance and more.

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Agreed Value Coverage – Fannie Mae

The key with lenders is to educate them that Fannie Mae does not require agreed value and also advise them that this coverage is seldom available in Florida.

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All Risk Coverage Advantages We are having a hard time understanding what the HO 17 32 - Unit Owners Coverage A Special Coverage does. Can you help? 1 2 3 4 5
Animal Liability and Umbrella Policies

Are dog bites covered under the standard Insurance Services Office homeowners' policy


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Back Dating Homeowners Cancellations Can I back date a homeowner's insurance cancellation? 1 2 3 4 5
Boat Docks and the Homeowners Policy I own a home in a homeowners association and as part of the purchase price of my house I was deeded a boat dock across the lake about 500 yards from my residence. Does my homeowners policy cover the dock? 1 2 3 4 5
Catastrophic Homeowners Exclusion - Where You Reside In order to protect that asset from loss, most consumers insure the replacement cost of their homes with a homeowners policy. Most homeowners policies cover the dwelling "where 'you' reside." 1 2 3 4 5
Citizens Homeowner Policy Coverage Gaps In making a decision to use Citizens, both the customer and the agent need to understand the differences between a Citizens policy and a standard Insurance Service Office policy. This article summarizes some of the more significant differences, yet is not a complete "line by line" analysis of the policies in question. 1 2 3 4 5
Citizens Sample Consumer Letters and Checklists

These letters are provided in Word documents as a convenience to members.

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Claim Denials via Florida Statute 627.409 It's likely that not one in 1,000 insurance professionals would know what Florida Statute 627.409 is and how it can result in a claim denial or even possibly an E&O claim. 1 2 3 4 5
Coinsurance Made Easy—Sort Of Few subjects are more difficult for a client (and at times for an agent) to grasp than the coinsurance feature found in many property policies. Failing to understand the issue can result in serious penalties come claim time. In this article we'll try and make a complicated issue a little easier to understand. 1 2 3 4 5
Condo Unit Owned by an LLC

How do you write a condominium unit that is owned by an LLC? 

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Condo Unit Owners - Why Carry Building Coverage?

This article examines the insurance needs and coverages provided by both the dwelling flood policy purchased by the unit owner, as well as the condo "master" flood policy, the Residential Condominium Building Association Policy, or RCBAP for short.

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Condominium and HOA Fidelity Bond Requirements Florida Statutes require all residential condominium associations to obtain and maintain a fidelity bond or insurance to protect the funds of the association. 1 2 3 4 5
Condominium Changes for 2009? Not so fast... Changes proposed to the Condo statutes in 2009 looked like a slam dunk... until they were vetoed. This historical article summarizes the 2008 changes, which caused many agencies headaches. 1 2 3 4 5