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Beyond the Four Walls: Hidden Homeowners Exposures and the Power of Endorsements

Homeowners coverage is often treated like a quick add-on policy, yet evolving property uses, rising reconstruction costs, and shifting underwriting rules have made it far more complex. Break down dwelling valuation, roof limitations, matching issues, labor depreciation disputes, and contents settlement realities. Examine hidden exposures involving other structures, home-based businesses, and short-term rentals. Through practical examples and endorsement strategies, you will gain tools to identify gaps, manage expectations, and recommend coverage that truly reflects how clients live and work today. 

Pricing
$79.00*		Webinar Duration
3 Hours		CE Requirements
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Webinar Details

Beyond the Four Walls: Hidden Homeowners Exposures and the Power of Endorsements

Think homeowners is simple? Think again. Discover the hidden gaps, roof traps, and endorsement strategies that can make or break your client’s next claim.

Topics

  • Clarify the critical differences between market value, replacement cost, and actual cash value
  • Identify roof limitations, matching concerns, and depreciation challenges that impact claim outcomes
  • Evaluate hidden exposures tied to other structures, ADUs, home businesses, and short-term rentals
  • Strengthen coverage with endorsements such as Ordinance or Law, sewer backup, extended replacement cost, and personal injury
  • Position yourself as a trusted advisor in an era of DIY online policy purchases

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