CISR Personal Residential case studies
CISR Personal Residential · Put your knowledge to work in context.
Insuring Personal Residential Property is one of the nine courses in the Certified Insurance Service Representative (CISR) program, a nationally recognized educational program administered by the Risk & Insurance Education Alliance for customer service representatives and account managers. The course is built for people who advise personal lines clients on homeowners coverage, and it assumes some working knowledge of the applicable policies. Instruction covers three areas: personal residential concepts, homeowners policy property coverages, and homeowners policy liability coverages and policy conditions. The stated aim is practical - helping representatives identify each client's specific exposures and explain policy limitations or exclusions, including ways to fill gaps, so clients can make sound decisions about protecting their homes and financial future. The CISR Personal Residential case studies are 5 cases and about 3,180 words.
1The Mixed-Exposure Household
Devon and Aisha own and occupy a 1968 four-bedroom colonial in Ohio. Their HO-3 shows Coverage A 450,000 and Coverage C 225,000.
755 words, about 4 min2The Victorian Underinsurance Claim
The Whitcombs own a 1908 Victorian in Portland, Oregon. Their HO-3 shows Coverage A 420,000, Coverage B 42,000, Coverage C 210,000, Coverage D 126,000, Coverage E 300,000, Coverage F 5,000, and a 2,500 deductible.
532 words, about 3 min3Dog Bite, Prior Propensity, and Late Notice
Greg owns a 2015 HO-3 with Coverage E 300,000 and Coverage F 5,000. His 6-year-old rescue dog, Otis, bit a neighbor in 2022; Greg told his agent about that bite but the carrier's file contains no record of it.
665 words, about 3 min4Hurricane, Surge, and the Code-Upgrade Gap
The Delgados own a coastal South Carolina home insured on an HO-3 with Coverage A 800,000, a 2% hurricane deductible, and a 5,000 all-other-perils deductible. In September a Category 2 hurricane brings 100 mph wind and a 4-foot storm surge.
637 words, about 3 min5Renters Liability: Fire Versus Water
Priya rents a second-floor apartment in a four-unit building in Minneapolis. She carries an HO-4 with Coverage C 30,000, Coverage E 100,000, Coverage F 3,000, and a 500 deductible.
591 words, about 3 min