3-Hour Homeowners Insurance Principles and Coverage Analysis - Colorado

3-Hour Homeowners Insurance Principles and Coverage Analysis - Colorado

✅ Approved by the Colorado Division of Insurance | Provider #236323 | Course #67945 | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Complete the full 3 hours of homeowners insurance continuing education Colorado requires of every producer holding a property or personal lines authority, with a Colorado-approved online course for only $15.99. Course #67945 is approved by the Colorado Division of Insurance and delivers exactly the three hours the Homeowners requirement calls for, so none of your time is spent on hours that will not count where you need them.

The course is fully online and self-paced. You can log in and out without losing your place, and after you complete the course and pass the final examination we report your completion to Colorado through Sircon.

✅ Course Details

• Course Name: 3-Hour Homeowners Insurance Principles and Coverage Analysis - Colorado
• Approved By: Colorado Division of Insurance
• Provider Number: 236323
• Course Number: 67945
• Credit Category: Homeowners
• Course Length: 3 credit hours
• Approval Period: 11-05-2026 through 11-30-2029
• Course Format: Self-study, 100% online and self-paced
• Price: $15.99
• Final Examination: 30 questions, 70% to pass (21 of 30), retakes permitted
• Certificate: Emailed immediately on completion
• Reporting: We report your completion to Colorado through Sircon
• Support: 1-800-698-2770

✅ Who Should Take This Course?

• Colorado licensed insurance producers holding a property line of authority
• Colorado producers holding a personal lines authority
• Colorado producers holding a casualty or surplus lines authority alongside property
• Dual-line Colorado producers who hold both property and life or health authorities
• Producers who write or service homeowners, dwelling, condominium or renters policies
• Producers who need the Homeowners category hours specifically, rather than general credit

✅ Does This Course Satisfy the State Requirement?

This course provides the full 3 hours of homeowners insurance continuing education Colorado requires of every producer who holds a property or personal lines authority. Those 3 hours satisfy the Homeowners requirement in full and count toward your 24-hour total.

Colorado counts homeowners hours in their own category, separately from the 18 hours that must be in your line of authority. This course completes the Homeowners requirement; it does not replace the 18 line-of-authority hours or the 3 ethics hours, which you complete separately.

✅ Colorado Continuing Education Requirements

Colorado licensed insurance producers complete continuing education on a two-year cycle. Colorado Division of Insurance Regulation 1-2-4 (3 CCR 702-1), Section 5.A, requires 24 credit hours of approved courses biennially after a producer's initial renewal, and it allocates those hours in two ways that matter when you choose courses:

• At least 3 of the 24 hours must be courses in ethics.
• At least 18 of the 24 credit hours must be in approved courses for the type of license you hold. This is the requirement most producers overlook. Hours approved in a category outside your license type still count toward the 24 total, but they do not fill the 18-hour line-of-authority minimum.

Two further rules affect planning. Under Section 5.A.2 you may not repeat the same approved course within a two-year period and count it again toward your required hours, although courses dealing with statutory updates are excepted. And carryover is limited: no more than 12 hours earned beyond the required 24, and only hours earned during the 120 days before your licensing continuation date, may be carried into the next period.

Colorado self-study courses must include an examination. Course sponsors file completion records with the Continuing Education Administrator, Pearson VUE, through Sircon, and you are responsible for keeping your own completion records for five years.

How this course helps: This 3-hour course satisfies the entire 3-hour Homeowners requirement for producers holding a property or personal lines authority, and contributes 3 of Colorado's 24 required credit hours. The separate 18 hours in your line of authority and 3 hours of ethics remain to be completed.

✅ When Do Colorado Producers Renew?

Colorado producer licenses continue on a two-year cycle, and your continuing education must be complete before the Division will approve the renewal. The renewal window opens 90 days before your license expiration date and runs through that date.

Colorado does not publish a single statewide renewal date, so the date that governs you is the expiration date on your own license record. Check it on your license record or your renewal notice rather than assuming a common date. There is no late-renewal path through NIPR for resident producers: a license that expires has to be addressed directly with the Division, and reinstatement without repeating prelicensing education and the examination is generally available only within one year of expiration.

✅ How to Renew Your Colorado License

1. Confirm your exact license type, status and expiration date on your official license record, and note how many hours you still owe.
2. Complete the full 24 credit hours, including at least 3 ethics hours and at least 18 hours in approved courses for your license type, before your continuation date.
3. Allow time for reporting. We report your completion to Colorado through Sircon, and the state's compliance status can take up to roughly 72 hours to update after the hours post.
4. Check your Colorado CE transcript and confirm the hours and categories posted the way you expect before you start the renewal.
5. Submit your renewal electronically through NIPR's resident license renewal application during the 90-day window, and renew every line of authority you intend to keep in that single transaction.
6. Pay the official renewal fee. Colorado's fee is $27 for all lines of authority other than Surplus Lines.
7. Save your receipt and confirm afterward that your license record shows an active status and an updated expiration date.

✅ What You Will Learn

• Read a homeowners policy in the order a coverage question is actually answered
• Apply insurable interest to households with trusts, mortgagees and non-owner occupants
• Distinguish named-peril from open-peril forms and identify where the burden of proof falls
• Separate the three distinct water exposures of flood, water from above and plumbing backup
• Compare replacement cost, actual cash value and extended replacement cost settlement
• Explain percentage wind, hail and named-storm deductibles before a storm rather than after
• Identify the liability exclusions and the role of a personal umbrella over underlying limits

✅ Course Content Overview

• Hour 1: Policy Structure, Insurable Interest, and the Property Coverages
• Hour 2: Perils, Exclusions, Valuation, and the Water Gaps
• Hour 3: Liability, Underwriting, and the Producer's Documentation Duty

✅ Other Related Colorado Courses

• 4 HRs Annuity Products, Taxation, Disclosure and Replacement - Colorado – $15.99
• 3 HRs Applied Insurance Ethics: Decision-Making, Disclosure and Discipline - Colorado – $15.99

✅ Why Choose 1st Choice CE?

• Approved by the Colorado Division of Insurance
• Affordable flat price
• 100% online and self-paced
• Log in and out anytime without losing your progress
• Instant emailed certificate when you finish
• We report your completion to Colorado
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll online and start today for $15.99. Questions? Call or text us at 1-800-698-2770.

Enroll in 3-Hour Homeowners Insurance Principles and Coverage Analysis - Colorado