PL · 62 knowledge points

Personal Lines Exam Study Notes

The national PL outline, one five-minute read per knowledge point — key rules with why the exam cares, numbers to memorize, and the traps that cost points. Prefer watching? 10 of these have interactive video lessons.

Homeowners Policies

The Six ISO Homeowners Forms5 min read Video Section I Coverages A Through D and Their Defaults5 min read Video Coverage C Special Limits and Property of Others6 min read Section I Additional Coverages6 min read Loss Settlement and the 80% Replacement Cost Rule6 min read Section II Liability, Med Pay, and Goodwill Coverages6 min read Homeowners Endorsements for Special Exposures6 min read

Dwelling Policies

The Dwelling Program: Purpose, Eligibility, and Heritage5 min read Video DP-1, DP-2, and DP-3: The Three Peril Structures6 min read Dwelling Coverages A Through E5 min read Dwelling Loss Settlement: ACV, RC, and the Settlement Cap6 min read Vacancy, Unoccupancy, and Construction Risks5 min read Dwelling Endorsements That Fill Coverage Gaps6 min read DP Conditions, Mortgagee Rights, and Underwriting Factors6 min read

Personal Auto Policy

PAP Structure, Definitions, and Your Covered Auto6 min read Video Part A Liability: Limits, Exclusions, and Territory5 min read Video Medical Payments and Uninsured Motorists Coverage5 min read Part D: Collision, Other Than Collision, and Rentals6 min read Physical Damage Endorsements and Loss Payee Rights6 min read Household, Vehicle, and Border Endorsements5 min read Duties, Termination, Premiums, and Renewal Rating6 min read

Personal Umbrella Policy

Umbrella Basics: Purpose, Structure, and Limits5 min read Video Underlying Requirements, SIR, and Drop-Down Claims6 min read Insureds, Territory, and Newly Acquired Exposures5 min read Personal Injury Offenses Under the Umbrella5 min read Umbrella Exclusions and Watercraft Thresholds6 min read Defense, Settlement, and Umbrella Conditions6 min read Umbrella Underwriting and Eligibility5 min read

Personal Inland Marine

Why Floaters Beat Homeowners Coverage C5 min read Video Scheduling, Appraisals, and Documentation5 min read Valuation and Loss Settlement on the PAF6 min read Newly Acquired Property Automatic Coverage5 min read Floater Exclusions and Condition Warranties6 min read Specialty Floaters and Business-Use Limits5 min read

Recreational Vehicles

The Recreational Vehicle Coverage Gap5 min read Video Snowmobile and ATV Endorsements in Practice5 min read Motorcycle Coverage and Custom Parts5 min read Boatowners Policies: Hull, P&I, and Thresholds6 min read Marine Warranties, Layup, and Underwriting6 min read Motor Homes and RV Policy Features6 min read Drones, E-Bikes, Trailers, and Watercraft Endorsements6 min read

Federal Programs

NFIP Origins, Structure, and Reform Acts5 min read Video Mandatory Purchase and Lender Flood Rules5 min read SFIP Forms, Limits, and Exclusions6 min read Flood Waiting Periods and Policy Lifecycle5 min read Flood Loss Settlement and ICC Coverage5 min read Flood Maps, Floodplain Management, and Rating6 min read Federal Disaster Programs Beyond the NFIP6 min read

Personal Risk Concepts

Risk Fundamentals and Risk Management Techniques5 min read Video Legal Characteristics of Insurance Contracts5 min read Insurable Interest, Indemnity, and Subrogation6 min read Property Valuation: ACV, Replacement Cost, Coinsurance6 min read Causation Doctrines and Multiple-Cause Losses6 min read Negligence: Elements, Defenses, and Damages6 min read Premises, Strict, and Multi-Party Liability6 min read

Personal Lines Provisions

Key Definitions in the Homeowners Policy5 min read Cancellation, Nonrenewal, and Policy Changes5 min read Concealment, Fraud, and the Innocent Co-Insured5 min read Duties After Loss and the Claims Process6 min read Other Insurance and Priority of Coverage5 min read Mortgage Clauses, Bailees, and Subrogation Rights6 min read Common Conditions and Loss Settlement Mechanics6 min read