4 HRs Homeowners Insurance Overview – Mississippi

✅ 4 HRs Homeowners Insurance Overview – Mississippi

✅ Approved by Mississippi Insurance Department | Provider #15054358 | Course #30067 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 approved hours toward your Mississippi producer renewal with a course approved by the Mississippi Insurance Department for only $19.99. A Mississippi producer whose license has been in effect 19 to 24 months completes 24 hours including 3 in ethics, so these 4 hours count toward that total, and the course is approved in the Property & Casualty category.

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 reports your completion to Mississippi; the renewal application itself is submitted online through Sircon or NIPR.

✅ Course Details

• Course name: 4 HRs Homeowners Insurance Overview
• Approved by: Mississippi Insurance Department
• Provider number: 15054358
• Course number: 30067
• Course length: 4 hours
• Course category: Property & Casualty
• Course format: 100% online, self-paced
• Price: $19.99
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion
• Approval active through: 08-31-2028
• Page URL: https://1stchoice-ce.com/courses/checkout/mississippi/4-hrs-homeowners-insurance-mississippi/
• 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 hours toward the 24 hours a Mississippi producer must complete when the license has been in effect 19 to 24 months, or toward the 12 hours required at 13 to 18 months. It does not satisfy the full requirement on its own, and it does not satisfy the separate 3-hour ethics requirement. You will need additional approved hours, including an approved ethics course, to complete your renewal.

Mississippi does not permit hours to carry over into the next license period, and the same course may not be repeated for credit inside one period. Track what you have already taken before enrolling.

✅ Mississippi Continuing Education Requirements

Mississippi ties the continuing education requirement to how long your license has been in effect. A producer whose license has been in effect for 19 to 24 months completes 24 hours of continuing education including three hours of ethics. A producer whose license has been in effect for 13 to 18 months completes 12 hours. Licenses expire on the last day of the licensee's birth month on a biennial basis, so your own birth month — not a statewide calendar date — sets your deadline.

• 24 hours including 3 hours of ethics for a license in effect 19 to 24 months
• 12 hours for a license in effect 13 to 18 months
• Licenses expire on the last day of your birth month, biennially
• Licenses may be renewed online beginning 90 days before the expiration date
• Hours do not carry over from one license period to the next, and the same course may not be repeated within a license period
• Only courses approved by the Mississippi Insurance Department count toward the requirement

Because the total depends on how many months your license has actually been in effect, the Mississippi Insurance Department publishes CE calculation charts for property and casualty and for life, accident and health licensees. Check your own license record and the applicable chart before assuming the 24-hour total applies to you, and contact the MID Licensing Division at licensing@mid.ms.gov or (601) 359-3582 if your months in effect are unclear.

How this course helps: This 4-hour course contributes 4 of the 24 hours a Mississippi resident producer must complete when the license has been in effect 19 to 24 months, or 4 of the 12 hours required at 13 to 18 months. It is approved in the Property & Casualty category. It carries general continuing education credit rather than ethics credit, so the separate 3-hour ethics requirement must still be met with an approved ethics course. Mississippi does not permit carryover, so plan the remaining hours inside the same license period.

✅ When Do Licensees Renew?

Mississippi producer licenses expire on the last day of the licensee's birth month on a biennial basis, and the department allows online renewal beginning 90 days before that expiration date. Continuing education must be completed during the license period, and Mississippi does not permit hours to be carried into the next period, so finishing early satisfies the current period without building a cushion for the next. Mississippi also does not allow the same course to be repeated for credit within a single license period, which matters when you are assembling hours from more than one provider.

✅ How to Renew Your License

1. Confirm your birth month and expiration date — Your license expires on the last day of your birth month on a biennial basis. Confirm the exact date on your license record before planning coursework.
2. Determine how many months your license has been in effect — This decides whether you owe 24 hours or 12. Use the Mississippi Insurance Department's CE calculation chart for your license type, or call the Licensing Division.
3. Complete the required hours, including 3 in ethics — The 24-hour requirement includes three hours of ethics. A general course does not satisfy that portion — verify the ethics credits specifically.
4. Do not repeat a course within the same license period — Mississippi will not give credit twice for the same course inside one period. Track what you have already taken before enrolling.
5. Allow provider reporting time before your deadline — Finish coursework early enough for completions to post. Do not schedule your last course for the final days of your birth month.
6. Renew online and confirm — Renewal opens 90 days before expiration. Submit the renewal, pay the fee, and afterward verify that your record shows an active status and an updated expiration 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 – $19.99
• 3-Hour Flood Insurance (NFIP) – $19.99
• 4-Hour Annuity Best Interest/Suitability – $19.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training – $19.99
• 3 HRs Emerging Risks and Specialty Coverages – $19.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) – $19.99
• 4 HRs Commercial Lines Insurance Essentials – $19.99
• 4 HRs Personal Auto and Umbrella Insurance – $19.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training – $39.99
• 24-Hour Property & Casualty CE Package – $69.99 — includes this course

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in Mississippi
• Affordable at $19.99 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 $19.99.

Enroll in 4 HRs Homeowners Insurance Overview – Mississippi

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