OH P&C study plan

Map the Ohio Department of Insurance licensing, appointment, and continuing-education requirements into a one-page outline from memory

Define the 12 core general-insurance terms (risk, peril, hazard, indemnity, insurable interest, subrogation, etc.) in your own words

Distinguish the four methods of handling risk and give one personal example of each

Label each Ohio-specific rule you encounter as 'testable fact' or 'background' so you know what to drill

Explain Ohio unfair trade practice and producer-fiduciary rules using three original fact patterns you write yourself

Compare the major legal forms of insurer (stock, mutual, reciprocal, fraternal, risk retention) on ownership, control, and policyholder status

Trace the underwriting and claims process steps in order without notes

Complete 60 practice questions split evenly between Ohio law and general concepts and log every miss by cause

Differentiate the property policy structure: declarations, insuring agreement, conditions, exclusions, and endorsements

Calculate coinsurance penalties and loss-settlement amounts for five original numeric scenarios

Explain the difference between ACV, replacement cost, and functional replacement cost with a worked example of each

Identify the named perils and the additional coverages in a standard dwelling form

Compare HO-2, HO-3, HO-4, HO-5, HO-6, and HO-8 coverage by coverage, without notes

Apply the HO liability section and medical payments provisions to three original loss scenarios

Explain flood and earthquake exclusions and where coverage must be purchased separately

Complete a timed 50-question property set and score it under exam conditions

Outline commercial property coverages (BPP, building, business income, extra expense) and their key exclusions

Explain inland marine, crime, and boiler-and-machinery exposures and which form responds to each

Define the casualty fundamentals: negligence elements, proximate cause, and the four defenses to negligence

Write five original liability scenarios and name the policy section that would respond

Compare CGL occurrence vs. claims-made triggers and explain the retroactive date and extended reporting period

Explain the coverage parts and exclusions of commercial auto and garage forms

Distinguish workers' compensation from employers liability and identify Ohio-specific workers' comp elements

Distinguish umbrella vs. excess liability and state when each drops down

Cover the personal and commercial casualty lines still unmastered, prioritizing your missed-question log

Re-drill Ohio-specific rules with a 40-question set and target 85%

Build a 30-card spaced-repetition deck from your remaining miss causes

Answer 20 questions aloud, explaining the reasoning out loud before selecting an option

Take two full-length timed practice exams of 100+ questions and score each at 80% or above

Re-teach every remaining missed topic into a blank page without references

Review exam-day logistics: ID requirements, calculator policy, question-flagging strategy

Rest-drill your 30-card deck daily for the last four days with no new material