NH Property & Casualty study plan

Map New Hampshire's regulatory framework by identifying the role and authority of the state insurance department and its commissioner.

Outline the New Hampshire producer licensing process, including application, examination, appointment, and termination steps.

Summarize New Hampshire continuing education obligations and the penalties for noncompliance or a lapsed license.

Describe New Hampshire rules on marketing, advertising, recordkeeping, fiduciary handling of premiums, and prohibited practices such as rebating, twisting, and misrepresentation.

Explain how unfair trade practice claims and producer disciplinary actions are handled in New Hampshire.

Distinguish the four elements of a valid insurance contract and apply them to short scenarios.

Differentiate representations, warranties, concealment, waiver, and estoppel, and state how each affects a claim.

Explain indemnity, insurable interest, subrogation, coinsurance, adhesion, and utmost good faith in plain language.

Apply New Hampshire cancellation, nonrenewal, and notice requirements to given fact patterns.

Compare the HO-2, HO-3, HO-4, HO-5, HO-6, and HO-8 forms by eligibility, perils insured against, and coverage structure.

Break down a homeowners policy into declarations, Coverages A through F, conditions, and exclusions.

Distinguish how named-peril and open-peril forms treat Coverage A versus Coverage C losses.

Compute loss payments under replacement cost, actual cash value, and percentage-deductible scenarios.

Identify the endorsements most often added to homeowners policies and state what each one changes.

Explain the Dwelling Policy forms (DP-1, DP-2, DP-3), their coverage differences, and eligibility restrictions.

Outline commercial property coverages for building, personal property, business income, and extra expense.

Describe the fundamentals of inland marine, boiler and machinery, and crime coverage.

Summarize flood insurance basics, including eligibility, the general waiting period, and how flood differs from a homeowners water-damage peril.

Begin the transition to liability by defining the concepts of legal liability and damages.

Outline the commercial general liability occurrence form, including Coverages A, B, and C and the definitions of bodily injury, property damage, occurrence, and personal and advertising injury.

Apply the major CGL exclusions to fact patterns, including employer's liability, pollution, contractual liability, and products-completed operations.

Explain the parts of the personal auto policy and identify New Hampshire's required auto liability limits and financial responsibility rules.

Compare umbrella and excess liability coverage with primary liability coverage.

Summarize the basic structure of workers compensation and employers liability coverage.

Classify perils and hazards, including physical, moral, and morale hazard, and distinguish direct loss from consequential loss.

Explain the elements of negligence and the common defenses to negligence that shape casualty underwriting and claims.

Differentiate strict liability, absolute liability, and vicarious liability using concrete examples.

Calculate a coinsurance penalty and apply deductibles to a property loss.

Re-verify New Hampshire producer and insurer obligations against the state exam content outline and correct any outdated notes.

Distinguish New Hampshire's at-fault auto liability system from no-fault states and identify the coverages that respond.

Work through 40 scenario-based casualty questions emphasizing homeowners liability, auto, and CGL interactions.

Re-test any domain that previously scored below 75% until it reaches 80% or better.

Complete two full-length timed practice exams under test-day conditions with no notes.

Review every missed item and write a one-line rule for each to close the gap.

Recite key policy limits, definitions, and New Hampshire requirements from memory using flashcards.

Rank remaining weak areas and schedule a short final review of only the top three.