4 HRs Personal Auto and Umbrella Insurance - Iowa

✅ Approved by Iowa Insurance Division | Provider #48204 | Course #112808 | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 approved continuing education hours toward your Iowa insurance producer renewal with a Iowa Insurance Division-approved online course for only $15.99. The course is fully online and self-paced, so you can enroll and work through it on your own schedule.

Log in and out as often as you like without losing your progress. When you finish, your certificate is emailed to you immediately, and 1st Choice CE reports approved completions to the Iowa Insurance Division. Every course is backed by our money-back guarantee, and support is available by phone or text at 1-800-698-2770.

✅ Course Details

• Course Name: 4 HRs Personal Auto and Umbrella Insurance - Iowa
• Approved By: Iowa Insurance Division
• Provider Number: 48204
• Course Number: 112808
• Course Length: 4 credit hours
• Course Category: Property And Casualty
• Course Format: 100% online, self-paced
• Price: $15.99
• Certificate: Emailed immediately upon completion
• Reporting: 1st Choice CE reports approved completions to Iowa
• Support: Phone or text 1-800-698-2770

✅ Who Should Take This Course?

• Iowa licensed resident insurance producers renewing a license with property and casualty authority
• Producers who need 4 approved hours toward the 36-hour Iowa requirement
• Agents who want current, practical personal auto & umbrella ce knowledge, not filler credit
• New producers building a working foundation in this coverage area
• Experienced agents refreshing before a renewal deadline
• Agency staff who support producers and want the same technical grounding

✅ Does This Course Satisfy the State Requirement?

This course provides 4 approved credit hours toward the 36-hour Iowa continuing education requirement. It does not by itself satisfy the full renewal requirement, and it does not satisfy the 3-hour ethics requirement.

✅ Iowa Continuing Education Requirements

Iowa is one of the few states on a three-year cycle. Iowa resident producers complete 36 credits of Division-approved continuing education during each three-year CE term, and 3 of those credits must be in ethics. A credit equals 50 minutes of instruction. Iowa does not cap self-study, so an approved online course may be used for any portion of the 36 credits. Excess credits do not carry forward, and the Division must receive proof of completion by the end of the last business day of the CE term.

• 36 credits of Division-approved continuing education per three-year CE term — Iowa is not a two-year state
• 3 of those 36 credits must be in ethics
• One credit equals 50 minutes of instruction
• No self-study cap. Iowa does not limit how many credits may be earned through approved self-study or online courses
• Producers who sell long-term care or LTC partnership products must complete a one-time 8-credit training before selling, and at least 4 credits of ongoing LTC training each CE term thereafter
• Excess credits cannot be carried over from one CE term to the next
• Producers holding only crop lines have a reduced 18-credit requirement; credit-only and surety-only producers are exempt

How this course helps: This 4-hour course provides 4 approved credit hours toward the 36 hours Iowa requires for each three-year CE term. It applies as general credit and does not satisfy the separate 3-hour ethics requirement, so at least 32 additional hours — including your 3 ethics hours — must be completed separately.

✅ When Do Licensees Renew?

Iowa producer licenses are valid for three years and expire on the last day of the licensee's birth month. Because the term is anchored to the birth month rather than the issue date, an initial term can run somewhat longer than 36 months — confirm your exact expiration date on your license record rather than calculating it. Continuing education must be complete and reported by the end of the CE term, and the renewal application is filed in the window before expiration. There is no grace period to continue transacting business, though an expired license may be reinstated within twelve months by proving the CE that was due for the term that ended.

✅ How to Renew Your License

Step 1: Look up your exact expiration date

Iowa runs a three-year term ending the last day of your birth month. Confirm the date on your license record instead of calculating it.

Step 2: Review your CE transcript for the current term

Check how many of the 36 credits are posted and whether your 3 ethics credits are among them.

Step 3: Complete 36 credits, including 3 ethics credits

Finish the full requirement before the end of your CE term. Only Iowa Insurance Division–approved courses count.

Step 4: Allow for provider reporting time

Approved providers report completions to the Division on a monthly cycle. Finish early enough that the Division receives your proof before the last business day of your CE term.

Step 5: Confirm the credits posted

View your education transcript and verify each course appears with the correct credit count and category.

Step 6: File the renewal and pay the fee

Submit the renewal application and fee through the online licensing system Iowa directs producers to, during the renewal window before expiration.

Step 7: Keep your certificates for four years

Iowa requires producers to keep original certificates of completion for four years after the end of the year of attendance. Save them and confirm your license shows active.

✅ What You Will Learn

• The personal auto policy structure and who counts as an insured under each part
• Liability, medical payments, uninsured and underinsured motorist coverage
• Physical damage: collision, other than collision, and how a total loss is settled
• Common exclusions including business use, rideshare and regular-use vehicles
• How a personal umbrella sits over auto and homeowners underlying limits
• Why self-insured retentions and underlying limit requirements cause claim disputes

✅ Course Content Overview

Hour 1 – The Personal Auto Policy

Declarations, definitions and the four coverage parts. Covers who is an insured, covered autos, newly acquired vehicles, temporary substitutes and non-owned autos.

Hour 2 – Liability and Injury Coverages

Part A liability including split and combined single limits, supplementary payments, Part B medical payments, and Part C uninsured and underinsured motorist coverage with stacking considerations.

Hour 3 – Physical Damage and Exclusions

Collision and other than collision, deductibles, actual cash value total loss settlement, betterment, transportation expense, and the exclusions that most often surprise insureds: livery and rideshare, business use, and racing.

Hour 4 – Personal Umbrella Liability

How an umbrella provides excess and, in some forms, broader coverage. Underlying limit requirements, the self-insured retention, defense obligations, and the exposures umbrellas commonly exclude.

✅ Other Related Courses

• 3 Hour Ethics for Insurance Agents – $15.99
• 3-Hour Flood Insurance (NFIP) – $15.99
• 4 HRs Health Insurance and Affordable Care Act Updates – $15.99
• 4 HRs Medicare Advantage and Part D Update – $15.99
• 5 HRs Life Insurance Products and Retirement Planning – $15.99
• 3 HRs Emerging Risks and Specialty Coverages - Iowa – $15.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) - Iowa – $15.99
• 4 HRs Commercial Lines Insurance Essentials - Iowa – $15.99
• 4 HRs Homeowners Insurance Overview - Iowa – $15.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training - Iowa – $29.99

✅ Why Choose 1st Choice CE?

• Approved by the Iowa Insurance Division — provider #48204
• Affordable at $15.99 with no hidden fees
• 100% online and self-paced — log in and out anytime without losing progress
• Instant emailed certificate the moment you finish
• We report approved completions to Iowa
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in 4 HRs Personal Auto and Umbrella Insurance - Iowa today for $15.99. The course is fully online and self-paced, your certificate is emailed the moment you finish, and every enrollment is backed by our money-back guarantee. Questions? Call or text 1-800-698-2770.