Personal Lines Basics Part Three
In this third course of this series physical damage coverages for automobiles and comprehensive coverage for the home are discussed. This session concludes with a review of seasonal homes.
One Hour CE Approved
British Columbia Saskatchewan Manitoba
Automobile Insurance Section C
Review auto physical damage coverage, including collision, comprehensive, all perils, specified perils, deductibles, total loss settlement, and actual cash value under Canadian SPF 1 automobile policies.
Homeowners Comprehensive Form
Review the IBC Homeowners Comprehensive Form, all-risk coverage structure, key property exclusions, vacancy, water, mould, wear and tear, animal damage, and earth movement gaps.
Seasonal Home Insurance
Review seasonal home insurance coverage, vacancy conditions, winterization, inspection requirements, contents, outbuildings, dock risks, rental exposure, and renewal questions brokers should ask.
About the course
Protecting a client's personal property requires more than selecting the right policy—it requires understanding how coverage responds to different types of losses and occupancy risks. This course examines Personal Auto Physical Damage, the Homeowners Comprehensive Form, and Seasonal Home Insurance to provide brokers with a practical approach to protecting vehicles, primary residences, and seasonal properties. You'll learn how Collision, Comprehensive, All Perils, and Specified Perils coverages respond to damage to the insured vehicle, how deductibles and Actual Cash Value settlements affect claim outcomes, and why lender requirements often influence coverage decisions. The course also explores how the Homeowners Comprehensive Form provides broad all-risk protection while relying on exclusions to define coverage boundaries, including vacancy, water damage, freezing, mould, maintenance, and earth movement. Finally, you'll examine the unique underwriting challenges of seasonal homes, including prolonged vacancy, winterization, inspection requirements, remote locations, waterfront exposures, and rental use. By the end of this course, you'll be better equipped to identify property exposures, explain coverage limitations and exclusions, and recommend insurance solutions that protect clients from unexpected claim gaps across a wide range of personal property risks.
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.