A homeowner’s Insurance serves as a protection and liability coverage for property owners in case of property damage/theft. Homeowner’s Insurance varies depending on the type of property an individual wants to insure. The policy usually covers interior damage, exterior damage, loss or damage of personal assets, and injury that arises while on the property. The policy holder must know the declarations or specifications of his/her policy to maximize its potential returns. In case something happens to a property, a homeowner’s insurance policy costs much less than rebuilding from scratch. In learning about homeowner’s insurance in depth, the real estate agent is a better advocate for their clients in choosing the right insurance agent and policy for their homes.

Business Insurance is a crucially important aspect of business ownership. Participants of this course will gain an understanding of the various types of business insurance and be able to recognize which type fits each buyer/seller.  Knowledge in this subject allows the real estate professional to maintain the appropriate coverages to keep their business in good-standing along with being able to answer questions of clients seeking to own commercial properties. 

Homes that are built in floodplain regions are often required to maintain flood insurance to comply with local floodplain management ordinances.  These homes are found within almost every community throughout the United States, and as Realtors work to sell these homes, they often have to explain to sellers the extra responsibilities that come with a floodplain home.  The course aims to educate the Realtor on floods, national flood programs, and other options to better answer client questions.  Assessing flood risks found on a flood insurance rate map will also be discussed.

Many individuals who are into farming are at risk of many dangers and hazards which can put their farming business at risk. A Farm insurance is one way of protecting a farm owner against any incident that can be a liability in the present or future. There are many cost-effective and efficient ways to ensure the protection of a farm. Agents and insurance companies should be able to write policies that are tailor-fitted to the needs of a farm owner or operator. These can be in the form of comprehensive packages and additional add-ons to maximize the potential of a farm insurance policy.