CIC Personal Lines case studies
CIC Personal Lines · Put your knowledge to work in context.
The Certified Insurance Counselor (CIC) designation is offered by the Risk & Insurance Education Alliance, an independent education provider with more than 50 years of experience building credentials for risk and insurance professionals. The CIC Personal Lines program is a self-paced online course, described by the Alliance as "100% at Your Own Pace," designed to deepen your knowledge of personal insurance coverages so you can design comprehensive solutions for clients. The CIC Personal Lines case studies are 5 cases and about 3,305 words.
1Finished Basement, Failed Sump Pump, and a Six-Week Damp Spot
Marisol owns a 2005 two-story home insured on an HO-3 with Coverage A of 350,000, a 1,000 all-peril deductible, a 5,000 water backup endorsement, and a 10,000 mold sublimit. The finished basement contains carpet, drywall, a sectional, and a television.
669 words, about 3 min2The Undisclosed College-Age Driver and the Friend Behind the Wheel
Dev and Anita Patel insure a 2019 Honda Civic and a 2021 Toyota RAV4 on a personal auto policy with limits of 100/300/50, 5,000 medical payments, and 100/300 uninsured/underinsured motorist coverage. Their 21-year-old son Ravi lives at home, attends a local university, and drives the Civic to campus and to his part-time job five days a week.
798 words, about 4 min3A Licensed Home Daycare, a Playset Fall, and the Business Pursuits Exclusion
Rosa Gutierrez insures her owner-occupied home on an HO-3 with 300,000 personal liability, 5,000 medical payments to others, and a 1,000 deductible. She is licensed by the state to operate a home daycare for up to six children, Monday through Friday, 7:00 a.m.
580 words, about 3 min4Storm Surge, Wind, and Two Policies on the Same Coastal Home
The Breslins own a coastal New Jersey home insured on an HO-3 with Coverage A of 400,000, a 2% hurricane deductible, and a 2,500 all-other-perils deductible. They also have an NFIP flood policy with 250,000 building coverage, 100,000 contents coverage, and a 2,000 deductible.
610 words, about 3 min5A 1908 Victorian, a $450,000 Limit, and Code-Required Upgrades
Priya owns a 1908 Victorian home insured on an HO-3 with Coverage A of 450,000, a 2,500 deductible, replacement cost on the dwelling, and an ordinance or law limit equal to 10% of Coverage A. A kitchen fire causes 180,000 of direct building damage before code upgrades.
648 words, about 3 min