4 HRs Homeowners Insurance Overview – Colorado

✅ 4 HRs Homeowners Insurance Overview – Colorado

✅ Approved by Colorado Division of Insurance | Provider #236323 | Course #67730 | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 approved credit hours toward your Colorado producer renewal with a course approved by the Colorado Division of Insurance for only $15.99. Colorado producers complete 24 credit hours biennially including 3 in ethics, and these 4 count toward that total. This course is approved in the Homeowners category, which is the category Colorado requires for the separate 3-hour homeowner's insurance carve-out that applies to property and personal lines producers.

The course is 100% online and self-paced. Log in and out as often as you need without losing progress. Your certificate is emailed to you the moment you finish. 1st Choice CE files your completion with the Colorado Continuing Education Administrator and gives you documentation within seven days.

✅ Course Details

• Course name: 4 HRs Homeowners Insurance Overview
• Approved by: Colorado Division of Insurance
• Provider number: 236323
• Course number: 67730
• Course length: 4 hours
• Course category: Homeowners
• Course format: 100% online, self-paced
• Price: $15.99
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion
• Approval active through: 08-31-2029
• Page URL: https://1stchoice-ce.com/courses/checkout/colorado/4-hrs-homeowners-insurance-colorado/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed property and casualty agents and producers
• Personal lines agents who write homeowners and dwelling policies
• Producers explaining wind, hail, and hurricane deductibles to property owners
• Agents placing coastal or last-resort windstorm coverage
• Producers coaching clients through roof, water, and hail claims
• Agents who need property and casualty CE credit toward the state renewal total

✅ Does This Course Satisfy the State Requirement?

This course provides 4 approved credit hours toward the 24 a Colorado producer must complete biennially. It does not satisfy the full requirement on its own, and it does not satisfy the separate 3-hour ethics requirement.

It does satisfy the other Colorado carve-out. Under C.R.S. § 10-2-301 and Division Regulation 1-2-04, every producer licensed to sell property or personal lines insurance must complete three hours of continuing education on homeowner's insurance coverage. This course is approved in the Homeowners category for four hours, so it covers that requirement and contributes an extra hour toward your general total.

✅ Colorado Continuing Education Requirements

Every producer licensed in Colorado completes 24 credit hours of approved continuing education biennially, and at least three of those hours must be in ethics. Colorado adds a requirement most states do not: under C.R.S. § 10-2-301 and Division of Insurance Regulation 1-2-04, all producers licensed to sell property or personal lines insurance must also complete three hours of continuing education on homeowner's insurance coverage. That is a separate carve-out from the ethics hours, and a general property course does not satisfy it.

• 24 credit hours of approved courses biennially
• 3 of the 24 must be in ethics
• 3 of the 24 must be in homeowner's insurance coverage for producers licensed to sell property or personal lines
• Up to 12 carryover hours may be accumulated during the 120 days before the licensing continuation date, and applied to the next period
• Self-study courses must include an examination that is closed-book and personally monitored by a disinterested third party
• Only courses approved by the Colorado Division of Insurance count toward the requirement

Colorado measures the compliance period from your own license dates. C.R.S. § 10-2-301 requires the hours to be completed within 24 months after the date the producer's license renews, and where a producer holds more than one license, within 24 months after the renewal date of the first license. For good cause the commissioner may grant an extension of up to one additional year. Check your own license record before assuming a particular deadline applies to you.

How this course helps: This 4-hour course contributes 4 of the 24 credit hours a Colorado producer must complete biennially. It is approved in the Homeowners category. It does not satisfy the separate 3-hour ethics requirement, so those credits must still come from an approved ethics course. It does satisfy the other Colorado carve-out: C.R.S. § 10-2-301 and Regulation 1-2-04 require producers licensed to sell property or personal lines insurance to complete three hours on homeowner's insurance coverage, and this course is approved by the Division in the Homeowners category for four hours — one more than the minimum. Colorado allows at most 12 carryover hours, and only hours earned in the 120 days before your continuation date qualify, so plan the remaining hours inside this period.

✅ When Do Licensees Renew?

Colorado producer licenses run on a biennial continuing education period tied to your licensing continuation date rather than a statewide calendar deadline. The carryover rule is narrow and worth planning around: no more than 12 hours may be carried forward, and only hours earned in the 120 days before the continuation date qualify. Hours earned earlier than that window do not roll forward, so finishing very early satisfies the current period without building any cushion for the next one. Providers file attendance and completion records with the Continuing Education Administrator at least monthly, and must give you documentation of completion within seven days of finishing a course.

✅ How to Renew Your License

1. Confirm your licensing continuation date — Your 24-month compliance period runs from your own license renewal date. Look it up on your license record rather than assuming a calendar deadline.
2. Check whether the homeowner's requirement applies to you — If you are licensed to sell property or personal lines insurance, three of your 24 hours must be in homeowner's insurance coverage. Verify that specifically — it is easy to miss.
3. Complete 24 approved credit hours, including 3 in ethics — Only courses approved by the Colorado Division of Insurance count. Confirm the ethics hours separately from the general hours.
4. Arrange the monitored self-study examination — Regulation 1-2-04 requires a self-study examination to be closed-book and personally monitored by a disinterested third party. Set that up before your deadline, not after.
5. Allow provider reporting time — Sponsors file completion records at least monthly and must give you documentation within seven days. Do not leave coursework to the final days of your period.
6. Renew and verify — Submit the renewal, then check your license record afterward to confirm an active status and an updated continuation date.

✅ What You Will Learn

• Explain how homeowners policy form selection drives covered property, covered losses, and underwriting expectations
• Walk a client through Coverages A through F and the residency and occupancy conditions that create avoidable disputes
• Distinguish named-peril from open-peril coverage and describe major exclusions without misrepresenting what is covered
• Explain wind and hail provisions, hurricane deductibles, and roof-related limitations clearly enough to align client expectations
• Apply loss settlement rules — actual cash value versus replacement cost, depreciation, duties after loss — to real claim scenarios
• Discuss coastal windstorm and last-resort placement, catastrophe-driven exposure, and rebuilding cost inflation honestly with property owners

✅ Course Content Overview

Hour 1: Homeowners Policy Forms and Coverage Structure

• Introduce homeowners policy forms and common dwelling policy structures to clarify how policy form selection drives covered property, covered losses, and underwriting expectations.
• Review coverage parts (property and liability) to explain how Coverages A–F (and related provisions) function in real-world losses and claim scenarios.
• Discuss insured location concepts, policy definitions, and residency/occupancy considerations to reduce avoidable coverage disputes tied to who lives there and how the home is used.
• Analyze key declarations items (limits, deductibles, endorsements, mortgagee interest, and rating factors) so agents can confidently interpret what the policy actually provides.

Hour 2: Perils, Exclusions, Deductibles, and High-Impact Endorsements

• Review perils insured and major exclusions to distinguish named-peril vs. open-peril concepts and to prevent misrepresentation of what is and is not covered.
• Explain wind/hail, hurricane deductibles, and roof-related limitations to improve disclosure quality and to align client expectations with common loss drivers.
• Cover water damage, mold/fungi limitations, and common endorsements to clarify frequent dispute areas and the role endorsements play in expanding or restricting coverage.
• Evaluate additional endorsements and options (replacement cost provisions, ordinance or law, scheduled personal property, and identity-related protections where applicable) to support appropriate customization.

Hour 3: Loss Settlement, Claims Handling, and Risk Management for Homes

• Review loss settlement basics (ACV vs. replacement cost, depreciation, and documentation expectations) to explain how claim payments are determined and why disputes arise.
• Discuss duties after loss, timelines, and communication practices to help agents coach policyholders on steps that protect both coverage and claim outcomes.
• Analyze common claim categories (hail, wind, roof, water, theft, liability) to connect policy language to practical scenarios and reduce overpromising at point of sale.
• Cover underwriting and loss prevention concepts (maintenance, roof age, property condition, security, mitigation, and inspection findings) to support better risk selection and fewer preventable losses.

Hour 4: Regional Market Realities, Coastal Windstorm Placement, and Compliance Expectations

• Review current homeowners market trends (rate pressure, tighter underwriting, higher deductibles, and coverage limitations) to keep agents current on what consumers are encountering.
• Explain coastal windstorm and last-resort placement concepts including when specialized windstorm coverage may apply and how to set expectations for coastal property owners.
• Evaluate catastrophe-driven exposures (hail frequency, convective storms, hurricane impacts, and rebuilding cost inflation) to strengthen conversations about limits, valuation, and resilience.
• Reinforce compliance and consumer-protection practices focusing on accurate representations, disclosure habits, documentation, and complaint prevention standards for property insurance sales.

✅ Other Related Courses

• 3 Hour Ethics for Insurance Agents – $15.99
• 3-Hour Flood Insurance (NFIP) – $15.99
• 4-Hour Annuity Best Interest/Suitability – $15.99
• 5 HRs Life Insurance Products and Retirement Planning – $15.99
• 4 HRs Medicare Advantage and Part D Update – $15.99
• 4 HRs Health Insurance and Affordable Care Act Updates – $15.99
• 3 HRs Emerging Risks and Specialty Coverages – $15.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) – $15.99
• 4 HRs Commercial Lines Insurance Essentials – $15.99
• 4 HRs Personal Auto and Umbrella Insurance – $15.99
• 24-Hour Property & Casualty CE Package – $54.99 — includes this course

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in Colorado
• Affordable at $15.99 with no additional or hidden fees
• 100% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate
• Completions reported to the state
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Get your 4 approved hours done today for $15.99.

Enroll in 4 HRs Homeowners Insurance Overview – Colorado

Questions first? Call or text 1-800-698-2770.