Dwelling and Homeowners Exposures and Insurance 

This insurance continuing education course covers the risks involved in owning a home, and the ways in which individuals and families can use insurance to protect themselves from these risks, including which coverage forms and endorsements are appropriate under various situations and for various clients. Subjects included:

• Personal insurance exposures of individuals and families, including property and liability exposures;
• Risk management and insurance as one of several risk management techniques;
• The Homeowners policy, breaking it down and analyzing each section of the policy in detail, including the forms available, eligibility, and modernization of the contracts used in the industry today;
• The HO3 policy property section compared to other HO forms available and when each would be used in various situations;
• The HO policy liability section in great detail;
• The various endorsements available, how, when and why they might be used to modify the policy;
• Underwriting and rating homeowners insurance;
• The dwelling policy program, including the liability supplement and optional theft coverage, and when and why it may be used instead of a homeowners policy; and;
• Allied lines coverage for homes and dwellings such as flood, earthquake, fair plans, jewelry coverage, watercraft, farm and umbrella liability.

South Carolina State Requirements

Updated: 3/9/2012

Continuing Education Hours

• 24 hours biennially, including 3 hours of ethics.
• Multi line (property and casualty and life, accident and health) producers must complete 24 hours, including 8 hours in each line of authority and 3 hours of ethics.
• Producers with reduced compliance requirements (15 hours) must complete 12 hours in the line of authority held including 3 hours of ethics. Multi-line producers with reduced compliance requirements (15 hours) must complete 6 hours in each line of authority and 3 hours of ethics.

Continuing Education Compliance Date

The renewal date is the first day of the agent's birth month biennially. The renewal date for agents born in odd years will be in odd years, and the renewal date for agents born in even years will be in even years.

Type of courses accepted for CE Credit

Independent self study courses, including distance learning, intranet, Internet, CD Rom, and any other means of electronic information communication; or classroom study.

Carryover Requirements

A maximum of 18 hours may be carried over to the next reporting period.

Course Repetition

Courses may not be taken more than once in a 2 year period.

Final Exam

Final exam for self-study must be monitored by a state-approved proctor.

Exemptions

• A licensee holding a limited license to sell only credit life, credit health insurance, bail bonds and travel accident and baggage insurance;
• A licensee outside the United States or its territories;
• A licensee who is a resident attorney licensed to practice law in the state;
• A licensee who is an employee of a trade association holding a limited license to sell only surety bonds to its association members;
• A licensee who has reached the age of 65 prior to July 1, 2006 and has been licensed for at least 10 years or who have reached 65 after July 1, 2006 and have been licensed for at least 10 years and who no longer sell, solicit or negotiate insurance.

Method to Certify Completion

You will be able to print your certificate of completion online once you have completed your exam. The course provider reports credits earned to the CE administrator (Thomson Prometric). The producer keeps original certificates of completion in their files. The CE administrator sends a company report to the sponsoring insurance company, listing the agents who have met the CE requirement. The CE administrator will bill the agent for the annual CE record keeping fee.

All producers licensed in South Carolina as of June 2, 2009 are required to renew their producer license and pay a $25 license renewal fee by the last day of their birth month.

The $25 license renewal fee is payable as a part of the online producer license renewal process. Producers receiving a CE exemption are still required to renew their license and pay the $25 license renewal fee by the last day of their birth month.

**For licensees renewing in 2011, the license renewal fee is $12.50.

Nonresidents

Exempt if agent meets home state CE requirement. CE Administrator will verify home state compliance on the PDB.

For Additional Information please Contact:

South Carolina Insurance Department
Licensing & Education Division
1201 Main St., Suite 1000
Columbia, SC 29201

Mailing Address:

P.O. Box 100105
Columbia, SC 29202-3105

Phone: (803) 737-6095 or 803-737-6223
Fax: (803)737-6205

Email: kwilson@doi.sc.gov

State Website: http://www.doi.sc.gov/

Course Format

System Requirements: Please note that Mozilla firefox 9 download here or Internet explorer 8 or higher: Download here 
are required to view our website when you wish to access the learning center. You should also note that taking courses over a wireless internet connection is not advised. When taking your exams you should try to be on a wired internet connection to your computer.

If your state requires monitored exams, you must have your monitor sign-in and follow the monitor instructions BEFORE you begin the exam.  See the State Information tab, Monitor tab and Help Center for more information.

How to Redeem Vouchers 

Monitor Instructions - South Carolina

IMPORTANT!!!

Your state requires that your exam(s) MUST be monitored.

You must be monitored while taking this exam, all monitors must be disinterested third parties, people whom would have no financial gain or interest in your taking or passing the exam. Family, co-workers etc would be excluded from monitoring your exam. Please see the monitor form for detailed instructions:

The person monitoring your exam must be with you prior to beginning to take the exam. Taking the exam without your monitor present will invalidate your exam results and certificate. 

The monitor must print, sign and complete the affidavit found by clicking Printable Monitor Form to indicate that the exam was taken without any outside help from any source. Please fax the completed monitor form to: (619) 421-8171 immediately after completing the exam. Your exam will not be completed, and no CE credit will be awarded or reported to your state, until the properly completed, signed monitor form has been received (along with any state reporting fees that may be due).