Broker Essentials Personal
In this essentials course we will review the baseline personal lines products with Home, Auto and ACV. These topics will form a solid foundation.
One Hour CE Approved
British Columbia Saskatchewan Manitoba
Homeowners Basic
Review the Homeowners Basic Form as a named perils policy, including fire, explosion, smoke, water damage, windstorm, theft, vacancy issues, and broker guidance for explaining coverage limits to clients.
Automobile Insurance Basics
Understand Canadian auto insurance basics, including provincial delivery models, SPF 1 Owners Form, SEFs, third party liability, accident benefits, physical damage, and uninsured motorist protection.
Actual Cash Value
Understand Actual Cash Value in property insurance, why ACV is often undefined, how settlement methods differ, and why brokers must explain replacement cost, bylaw, and underinsurance issues before a claim.
About the course
This course provides brokers with a practical review of personal automobile and homeowners insurance fundamentals. Participants examine automobile insurance basics, including provincial systems, third-party liability, accident benefits, physical damage, and uninsured or underinsured motorist protection. The course explores Homeowners Basic Form, including named perils, water damage, vacancy, theft, and coverage limitations. The course concludes with Actual Cash Value, including valuation methods, depreciation, replacement cost, bylaw considerations, and underinsurance.
Meet Your Instructor
For more than four decades, Todd Hochban has worked with Canadian insurance brokers, helping them better understand property and casualty insurance through practical, real-world education. As a seasoned educator, industry speaker, and course developer, he has trained thousands of brokers across Canada, translating complex insurance concepts into clear, actionable learning. Every BrokerBytes course is designed with one goal in mind: to provide practical knowledge that brokers can immediately apply in conversations with clients, underwriting submissions, and claims situations. Rather than focusing on theory alone, these lessons emphasize the issues brokers encounter every day. Whether you're new to the industry or building on years of experience, BrokerBytes delivers concise, focused learning designed for today's busy insurance professional.