CISR Personal Residential study plan

Define the insuring agreement, declarations, and definitions structure of a homeowners policy in your own words and map each part to where it appears in a specimen policy

Distinguish named-peril from open-peril (all-risk) coverage and list which HO forms use each approach

Explain insurable interest, indemnity, and the principle that property coverage responds to direct physical loss to covered property

Classify the HO-2, HO-3, HO-5, HO-4, HO-6, and HO-8 forms by occupancy type and coverage breadth

Identify Coverage A (Dwelling) and Coverage B (Other Structures) and state what property each does and does not include

Calculate Coverage A limits and explain how the replacement-cost basis and the 80% requirement affect settlement

Apply the Coverage B limit as a percentage of Coverage A and test several numeric scenarios

Explain the Coverage A special limits for extensions such as debris removal and why they attach to the dwelling limit

Differentiate Coverage C (Personal Property) from Coverage A and B and state the special dollar limits on categories such as money, jewelry, silverware, and firearms

Explain the special limits on property off the residence premises and how the percentage applies

Describe Coverage D (Loss of Use) and compute fair rental value and additional living expense in sample claims

Apply the deductible, coinsurance, and loss-settlement conditions to property claims

Distinguish replacement cost from actual cash value and identify which HO forms default to each

List the Coverage A perils in the broad form and the additional coverage extensions such as trees, shrubs, and other plants

Explain the difference between additional coverages, coverage extensions, and endorsements and give one example of each

Describe how the mortgage clause and loss-payable provisions affect payment to a lender

Identify common endorsements that modify property coverage and state the effect of each

Explain Coverage E (Personal Liability) and Coverage F (Medical Payments to Others) and state the trigger and limit structure of each

Distinguish bodily injury, property damage, and personal injury as defined terms and classify sample events

Describe the insured's duty to defend and how defense costs relate to the liability limit

Identify who qualifies as an insured under the policy, including resident relatives and persons under 21 in the insured's care

List the major Section II exclusions such as intentional acts, business pursuits, motor vehicles, watercraft, and aircraft, and state the rationale for each

Explain the conditions that apply to both property and liability coverage, including duties after loss, proof of loss, and appraisal

Describe the cancellation, nonrenewal, and assignment provisions and how notice requirements differ

Explain how the policy handles other insurance, subrogation, and recovery after payment

Integrate property and liability concepts by resolving 10 multi-issue scenarios that touch both sections of the policy

Explain how endorsements and policy conditions interact to change coverage in a claim

Review all four domains and identify the three weakest subtopics based on practice-test results

Re-derive the coverage limits and special limits from memory without notes

Re-drill missed items from weeks 4 and 7 until each is answered correctly twice in a row

Explain the full homeowners policy structure from declarations through conditions in a single outline

Practice applying a decision sequence for claim scenarios: identify form, coverage part, limit, exclusion, then settlement

Complete a final full-length timed practice exam and review every answer choice