• Distinguish the five habitational policy variants (homeowner, tenant, condo unit owner, seasonal, landlord) and what each covers.
• Compare standard, broad, and comprehensive forms: which gives all-risk on building vs. contents.
• Apply replacement cost vs. actual cash value valuation and explain guaranteed replacement cost.
• Identify special limits on Coverage C and when a scheduled valuables floater is needed.
• Name the three principal water endorsements (escape of water, sewer backup, overland water) and what is covered under the base policy.
• Explain Coverage D ALE, what it pays and what it does not.
• State Coverage E's worldwide personal-acts scope and three categories of exclusion.
• Explain the mortgagee's "separate contract" status and tenant's legal liability.
• Distinguish vacant from unoccupied and the role of a vacancy permit endorsement.
• Name by-law coverage, identity theft, personal cyber, and service line as endorsements modern habitational clients ask about.