Personal Lines case studies
Personal Lines · Put your knowledge to work in context.
The Personal Lines license is the state-issued credential that lets an agent or producer sell and service insurance for individuals and families - homeowners, renters, dwelling fire, personal auto, umbrella, watercraft, flood, and inland marine floaters - rather than commercial accounts. Candidates typically pursue it to enter an agency, move from a call-center or customer-service role into a licensed sales position, or add personal lines to an existing license. The Personal Lines case studies are 5 cases and about 3,713 words.
1The Agency That Never Relicensed
Marcus holds a resident producer license in State A. Eight months ago he moved to State B, changed his driver's license and voter registration, but notified no regulator, and he still writes and services about 40 State A policyholders from his den.
597 words, about 3 min2A Thursday Phone Call, a Saturday Burst Pipe
Priya signed a purchase agreement on a 1968 split-level, and the lender demands proof of insurance at Friday's closing. Thursday at 4:40 p.m.
741 words, about 4 min3Sump Pump, Mold, and Pottery in the Basement
An HO-3 on a 1994 colonial shows Coverage A 380,000, Coverage B 38,000, Coverage C 190,000, Coverage D at the form's 30 percent, and a 2,500 deductible on all perils. Two endorsements matter.
813 words, about 4 min4Pizza Delivery on a Pleasure-Rated Policy
A personal auto policy covers a 2019 Outback with limits of 100/300/50, medical payments of 5,000 per person, uninsured motorist coverage at 100/300, and collision with a 500 deductible. The named insured and her 22-year-old son, who lives at home and is a listed driver, are the only operators.
792 words, about 4 min5Surge, Wind, and the Umbrella Above
A coastal HO-3 shows Coverage A 500,000, Coverage C 250,000, Coverage D at 30 percent, a 10,000 all-peril deductible, and a 2 percent hurricane deductible. The insured also bought a flood policy with 250,000 building and 100,000 contents limits and a 2,000 deductible on each, plus a 2,000,000 personal umbrella requiring 300,000 underlying homeowners liability and 250/500 auto limits, carrying a 10,000 self-insured retention.
770 words, about 4 min