4 HRs Homeowners Insurance Overview - Hawaii

✅ Approved by Hawaii Department of Commerce and Consumer Affairs, Insurance Division | Provider #500032211 | Course #6000224160 | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 approved hours toward your Hawaii insurance license continuing education with a course approved by the Hawaii Department of Commerce and Consumer Affairs, Insurance Division for only $15.99. The hours apply to your 24-hour, two-year requirement, and the course is approved in the Property & Casualty category, so you can enroll online and start on your own schedule.

The course is 100% online and self-paced. Log in and out as often as you need without losing progress. Your certificate is emailed the moment you finish, and 1st Choice CE uploads your completion to the Hawaii Insurance Division for you.

✅ Course Details

• Course name: 4 HRs Homeowners Insurance Overview
• Approved by: Hawaii Department of Commerce and Consumer Affairs, Insurance Division
• Provider number: 500032211
• Course number: 6000224160
• Course length: 4 hours
• Course category: Property & Casualty
• Course format: 100% online, self-paced
• Price: $15.99
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE uploads your completion to the Insurance Division; Hawaii no longer accepts certificates from licensees
• Page URL: https://1stchoice-ce.com/courses/checkout/hawaii/4-hrs-homeowners-insurance-hawaii/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed property and casualty agents and producers
• Personal lines producers who quote and service homeowners policies
• Agents who write in coastal or high-wind territories
• Producers who field roof, wind and hail claim questions
• Agency staff who explain deductibles and loss settlement to clients
• Agents who need property and casualty credit toward Hawaii's renewal total

✅ Does This Course Satisfy the State Requirement?

This course provides 4 approved hours toward the 24 credit hours a Hawaii resident producer completes every two years. It does not satisfy the requirement on its own, and it does not satisfy the separate 3 hours of ethics or insurance laws and rules.

The hours are approved in the Property & Casualty group, so they apply to your Property & Casualty allocation only. Hawaii does not let surplus credit in one group fill a shortfall in the other, so check which groups you hold before you buy. Hawaii places no cap on self-study, so all 4 hours count in full.

✅ Hawaii Continuing Education Requirements

Hawaii is one of the few states that splits continuing education by line-of-authority group rather than pooling it. Under HRS § 431:9A-124, the total is always 24 credit hours, but how those 24 are allocated depends on what you hold. A producer with Life and/or Accident & Health authority completes 21 hours in that group plus 3 hours relating to ethics training or to the insurance laws and rules. A producer with Property, marine and transportation, vehicle, general casualty or surety authority – Personal Lines included – completes 21 hours in that group plus the same 3 hours. A producer holding both groups completes 10 Life/A&H hours, 11 P&C hours and 3 ethics hours. Holding two groups does not increase the total past 24.

• 24 credit hours in total for every resident producer – the total never goes above or below 24
• Life and/or Accident & Health only: 21 Life/A&H hours plus 3 hours of ethics or insurance laws and rules
• Property & Casualty only, including Personal Lines: 21 P&C hours plus the same 3 hours
• Both groups: 10 Life/A&H hours, 11 P&C hours, and 3 hours of ethics or laws and rules
• No cap on self-study or online hours – all 24 may be completed online
• No carryover at all, and a course taken twice in one cycle earns credit only once

The allocation rule is the part that catches producers out. Excess Life/Health credit does not migrate to the Property/Casualty requirement, and excess P&C credit does not migrate the other way. Only surplus dedicated ethics or laws-and-rules credit spills over, and it flows to Life/Health first and Property/Casualty second. Hawaii allows no carryover between renewal cycles at all, and credits are valid for 24 months after completion. Nonresident producers who satisfy their home state's requirement are exempt under HRS § 431:9A-116.

How this course helps: This 4-hour course contributes 4 hours toward your Hawaii Property & Casualty allocation within the 24-hour biennial total. It does not satisfy the separate 3 hours of ethics or insurance laws and rules, and because Hawaii allocates by group, these hours cannot be applied to the other line-of-authority group. The balance of your 24 hours must be completed separately.

✅ When Do Licensees Renew?

Hawaii individual producer licences renew on the last day of your birth month, on a two-year cycle. It is not a fixed statewide date. Business entities are different – the last day of July for a resident entity and the last day of April for a nonresident entity. Confirm your own renewal date in SBS License Manager rather than assuming, and note that Hawaii publishes no odd-or-even-year rule tied to your birth year.

✅ How to Renew Your Hawaii License

1. Confirm your renewal date and which line-of-authority groups you hold. Your date is the last day of your birth month, biennially.
2. Work out your split: 21 plus 3 if you hold one group, or 10 plus 11 plus 3 if you hold both. Remember that Life/Health hours cannot fill a Property/Casualty shortfall.
3. Complete your hours from courses individually approved in Hawaii. Approval in another state counts for nothing here.
4. Finish at least 15 days before your renewal date. The Insurance Division no longer accepts completion certificates from licensees – your provider uploads them, and the credits must be on file before the renewal fee can be submitted.
5. Check your credits in SBS License Manager and confirm each course posted in the right category, because the Division re-allocates your transcript each time a new course lands.
6. Renew online at NIPR – online renewal is mandatory in Hawaii. The resident producer renewal fee is $100.
7. Confirm the licence shows active, and keep your own completion records for four years as HRS § 431:9A-125 requires.

There is no grace period. Missing the requirement places your licence on inactive status automatically under HRS § 431:9A-124(d). Reinstatement carries a penalty of double the unpaid renewal fee and is available for 12 months from inactivation, with no re-examination in that window. After 12 months you must apply as a new applicant. Because the provider has up to 15 days to upload and the Division must hold the credits before you can pay, finishing in the final fortnight is genuinely risky.

✅ What You Will Learn

• Identify the standard homeowners forms and which risk each one fits
• Explain Coverages A through F and what each is actually there to pay
• Apply residency and occupancy conditions before a coverage dispute arises
• Distinguish named-peril from open-peril coverage in plain language a client understands
• Explain percentage wind, hail and hurricane deductibles and roof payment schedules before a storm
• Recognize when a risk belongs in the surplus lines or residual windstorm market

✅ Course Content Overview

Hour 1: The homeowners policy structure: the standard forms, which risk each fits, and how Coverages A, B, C and D fit together. Dwelling, other structures, personal property and loss of use, with the limits that move automatically off Coverage A.

Hour 2: Coverages E and F, residency and occupancy conditions, insurable interest, vacancy, tenants and secondary residences, and the situations in which the person on the declarations page is not the person living in the home.

Hour 3: Named peril versus open peril, the major exclusions including flood and earth movement, water damage distinctions, and how ordinance or law and other endorsements close the most common gaps.

Hour 4: Deductibles and loss settlement: flat versus percentage deductibles, separate wind, hail and hurricane deductibles, roof payment schedules and cosmetic damage limitations, replacement cost versus actual cash value, and coastal windstorm placement.

✅ Other Hawaii Insurance CE Courses

• 3 Hour Ethics for Insurance Agents - Hawaii – $15.99
• 3-Hour Flood Insurance (NFIP) - Hawaii – $15.99
• 4-Hour Annuity Best Interest and Suitability - Hawaii – $15.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - Hawaii – $15.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training - Hawaii – $29.99
• 4 HRs Commercial Lines Insurance Essentials - Hawaii – $15.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Hawaii – $15.99
• 4 HRs Personal Auto and Umbrella Insurance - Hawaii – $15.99

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in Hawaii
• Affordable at $15.99
• 100% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate
• We upload your completion for you
• 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 Homeowners Insurance Overview for $15.99 and complete your 4 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.