Home Insurance Property Coverages
Review popular homeowner coverage forms and the common extensions.
One Hour CE Approved
British Columbia Alberta Saskatchewan Manitoba
Homeowners Basic Form
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.
Homeowners Comprehensive Form
Review the Homeowners Comprehensive Form, all-risk coverage structure, key property exclusions, vacancy, water, mould, wear and tear, animal damage, and earth movement gaps.
Homeowners Extensions
Review homeowners policy extensions including freezer food, credit card loss, debris removal, fire department charges, inflation protection, locks, mass evacuation, tear-out costs, and by-law coverage.
About the Course
Selecting the right homeowners policy is about more than choosing a premium. This course gives Canadian P&C brokers a practical understanding of the differences between the Homeowners Basic Form and the Comprehensive Form, while highlighting the valuable built-in extensions that often determine how a claim is settled. Participants will compare named perils and all-risk coverage, examine how exclusions define the true scope of protection, and review common issues involving water damage, vacancy, freezing, mould, maintenance, and earthquake exposure. The course also explores the practical value of built-in policy extensions, including freezer food, fire department charges, debris removal, lock replacement, mass evacuation, tear-out costs, and by-law coverage, emphasizing when these benefits apply and where their limitations exist. Designed for personal lines brokers, this course strengthens the ability to explain coverage differences, manage client expectations, identify potential coverage gaps, and recommend appropriate endorsements before a loss occurs. Participants will leave with greater confidence in matching the right homeowners form to each client's needs while documenting informed coverage decisions.
Your Insurance Expert Guide
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.