Here is a primer to this much maligned and misunderstood insurance product.

As an insurance agent, you want to do what you can to alert your insureds before weather gets ahead of them and they find themselves under or uninsured and unprepared to handle a claim.

Being kidnapped isn't something most people consider to be a hazard, and generally they give it no thought. However, it is a serious risk in many parts of the world.

Exclusions related to lead poisoning in dwellings are limited to just a few states.

Rain is a relatively straightforward weather event, varying in amount and force. Snow, however, has different aspects when it accumulates in various mountain areas with wind and other factors affecting how it lies.

In a valued policy state, the adjusting for buildings damaged or destroyed by fire may be different than in a non-valued policy state.

It's the insurance agent or broker's job to explain a policy to the buyer, including the available endorsements, and they need to know which endorsement best fits the clients situation.

Continued education isn't just nice to have. For many insurance professionals it's a requirement for their jobs or licenses. Here are some national organizations to help you get those designations.