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E&O - Roadmap to Homeowners Insurance - Part 1

Total Credits: 3 including 3 CE Credit

Average Rating:
10% premium discount qualified |  Errors and Omissions
Virginia Bates |  Rusty Deaton
3 hrs
Product Setting: Expires 30 day(s) after program date.



This course is Part 1 of 2 (3 hrs each) in this E&O module - As of January 1, 2020,  3 hours of content must be taken in order to qualify for the 10% E&O premium discount!

This course takes a deep dive into the ISO homeowners forms to see how coverage applies for home owners in today’s marketplace. We’ll look at the importance of eligibility requirements and proper wording of the named insured, as well as valuation and knowing how the policy responds to loss in differing situations. We will also look at alternative policy language and how it is used to modify coverage to fit the insurers’ varying risk appetites.

Learning Objectives


Upon completion of this course, the student should be able to

  • understand HO forms, the eligibility requirements, and how to name the insured on the declarations page of the policy properly;
  • understand and apply key definitions within the policy that can affect coverage and how the policy may respond;
  • understand the difference between covered property and property not covered, the perils for which property is insured, how exclusions apply to shape coverage, and the key conditions that need to be complied with after a loss; and
  • be able to explain coverages under Section II of the policy and how exclusions and conditions work together to provide or exclude coverage.

Course Materials


Virginia Bates Related Seminars and Products

VIRGINIA M. BATES has over twenty years of experience consulting to agencies and carriers and managing insurance operations for both a carrier and a large regional agency. She has a background in all property and casualty lines, experience as director of a country-wide underwriting school and direct involvement in many automated systems.  As co-founder of VMB Associates Inc., she has worked with many agencies on valuations and related issues, intelligent selection and use of technology, profitability, reducing E&O exposure, internal operations, marketing strategies, carrier relationships and successful use of technology. She speaks often on the evolving exposures and preventive strategies related to automation and electronic processing and documentation. She has conducted E&O audits and rehabilitation projects for agencies at the request of E&O carriers such as Fireman's Fund.  She developed and produces the Vendor Comparison Workshops that have helped thousands of agencies determine their automation needs and options.


She is a certified E&O instructor and regularly creates and conducts educational programs for many state agents' associations, carriers and vendor groups.  These programs encompass both technical subjects (such as personal and commercial risk management, direct and indirect property coverages, advanced workers comp coverages and rating, and umbrella coverages) and management subjects (such as E&O prevention, business planning, disaster recovery, profitable use of automation and procedures manual creation and implementation).


Virginia is the founder and Technical Executive of This is a testing website with which agency and carrier administrators can test the specific coverage skills, system usage abilities, E&O safety understanding, bookkeeping acumen, and educational needs of current employees and candidates for hire.  The site includes tests in just about every P&C coverage line and Benefits lines.


Virginia's educational background includes an honors degree from Swarthmore College and graduate work in management science.  She is a licensed broker and licensed insurance adviser.


SOME SAMPLE REVIEW COMMENTS & CLIENT COMMENTS (from classes and consulting work):


"Her positive attitude is always inspirational.  Her knowledge of material is always enlightening.

The industry should be proud to have her."    "The Best!"


“I love to have you in our office.  Everything seems possible at the end of the day!”


“I went to a class just to get continuing ed credits and you reminded me why I went into this business in the first place - to sell and to help people.  Thanks for making it fun again.”


“Thank you for treating us like a diamond-level client.  We know you always care.”


Rusty Deaton Related Seminars and Products

Rusty Deaton's work experience includes 24 years as owner and principal of Deaton Insurance Agency, a multi-line property and casualty agency, which he founded in 1985. Rusty's focus in the agency is now on public entity insurance. Rusty was a partner in Edmond, Deaton, and Stephens Insurance Agency from 1991 to 2002, a leading commercial insurance provider in the Texas Panhandle.

In addition to his insurance pursuits, Rusty has been a director of First National Bank of Paducah since 1987, and President of First Paducah Bancshares of Texas since 1997. He graduated from Texas A&M University in 1984 and received his CIC designation in 1998. 


Fri, Jul 19, 2024 - 12:00pm to 03:08pm CDT
Fri, Aug 16, 2024 - 09:00am to 12:08pm CDT
Wed, Aug 28, 2024 - 12:00pm to 03:08pm CDT
Thu, Sep 05, 2024 - 09:00am to 12:08pm CDT
Wed, Sep 18, 2024 - 12:00pm to 03:08pm CDT
Tue, Oct 15, 2024 - 09:00am to 12:08pm CDT
Fri, Oct 25, 2024 - 12:00pm to 03:08pm CDT
Mon, Nov 04, 2024 - 09:00am to 12:08pm CST
Fri, Nov 15, 2024 - 12:00pm to 03:08pm CST
Wed, Dec 11, 2024 - 09:00am to 12:08pm CST
Fri, Dec 27, 2024 - 12:00pm to 03:08pm CST



Overall:      4.7

Total Reviews: 1166


Max H

"The presenters seemed very knowledgeable and moved through the presentation very well."

Bethany B - Shelbyville, Tennessee

"Very informative "

Trent O - Lexington, Tennessee

" "

Sherri J

"I enjoyed the instructors. Very informative. "

Meranda C - Broomfield, Colorado

" "

Mary E - Nashville, Tennessee

"Helpful course, a lot of information "

Mary B N

"I enjoyed taking the course. It was very easy to understand."

Kayla G

"Enjoyed the moments of humor! Helped keep your attention. "

Jennifer V - Castle Rock, Colorado

" Very informative and gave good scenarios "

Lisa J - Copperhill, Tennessee

"Coverage reviewed and discussed very clearly. "