PLOhioeasy
In Ohio, which license authorizes a producer to sell a personal homeowners or personal auto policy to a consumer?
AA stand-alone Personal Lines producer license issued by ODI
BA Life-only producer license with a personal auto endorsement rider
A full Property & Casualty producer license under R.C. 3905.05
DA limited lines self-service storage license
Why this is the answer
Under R.C. 3905.05, ODI issues lines of authority for Life, Accident & Health, Property, Casualty, Variable, and limited lines. Ohio did not adopt a separate Personal Lines line of authority — the combined Property and Casualty qualifications authorize the producer to sell personal homeowners, dwelling fire, personal auto (at-fault tort), watercraft, snowmobile, and personal umbrella policies. Life-only or limited lines licenses do not extend to homeowners or auto coverage.
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