EstatePass
PLIllinoiseasy

In Illinois, which producer license authorizes an agent to sell a homeowners policy to a personal client?

AA Personal Lines license, which in Illinois excludes homeowners coverage
BA Life producer license with a personal lines endorsement
CA limited lines self-service storage license
A Property & Casualty producer license

Why this is the answer

Under 215 ILCS 5/500-35(a), the Property line covers loss or damage to property and the Casualty line covers legal liability, so a producer licensed for Property and Casualty may sell, solicit, and negotiate homeowners, dwelling, auto, and umbrella policies for any client, personal or commercial. Illinois also issues a Personal Lines line of authority, but 500-35(a)(6) defines it as property and casualty coverage sold to individuals and families for primarily noncommercial purposes, which includes homeowners; the claim that it excludes homeowners coverage is false. Limited lines and Life lines do not extend to homeowners coverage.

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