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Colorado · Personal Lines

Colorado Personal Lines Producer — Pre-Licensing

This course is approved by the Colorado Division of Insurance for Pre-Licensing Education credit, 50.00 hours, self-study. Course #67710, Provider #237818 (Elite Online Training Academy LLC). Colorado requires approved pre-licensing education before you sit for this exam, and this course satisfies that requirement. Cost is shown above; see our cancellation and refund policy.

You may not need this course if you were previously licensed for the same line in a reciprocal state, or if you completed the full curriculum for a designation Colorado Regulation 1-2-5 accepts for this line (for example CPCU, CIC, AAI or ARM for property and casualty, or CLU or ChFC for life). Check with the Colorado Division of Insurance before you enroll. Compare Colorado courses.

11
Sections
66
Lessons
800+
Practice questions

What you'll learn

Every section below is aligned with the Colorado content outline.

Section 1
I. Insurance Fundamentals and General Concepts
6 lessons
+
  • What insurance is: risk transfer, pooling, and the law of large numbers
  • Risk, hazard (moral/morale/physical), peril, and loss
  • Insurable interest, indemnity, and the principle of no profit from loss
  • Loss valuation: ACV, replacement cost, market/agreed/stated value, salvage, coinsurance
  • Proximate cause, deductibles, limits of liability, occurrence vs. claims-made
  • How insurers operate: admitted/nonadmitted, stock/mutual, reinsurance, rating basics
Section 2
II. Insurance Contracts and Legal Principles
6 lessons
+
  • Elements of a valid contract: offer/acceptance, consideration, competent parties, legal purpose
  • Distinct characteristics: adhesion, aleatory, unilateral, conditional, utmost good faith
  • Warranties, representations, concealment, and misrepresentation
  • Policy structure: declarations, insuring agreement, conditions, exclusions, endorsements
  • Parties and duties: the insured, additional insureds, insurer obligations, waiver and estoppel
  • Common conditions: subrogation, other insurance, assignment, mortgagee/loss payee rights
Section 3
III. Homeowners and Dwelling Property
6 lessons
+
  • Homeowners forms: HO-2, HO-3, HO-4, HO-5, HO-6, HO-8 and when each applies
  • Homeowners coverages A–F and Section I vs. Section II
  • Named-perils vs. open-perils; the standard perils and key exclusions
  • Dwelling forms: DP-1, DP-2, DP-3 and the dwelling vs. homeowners choice
  • Common HO endorsements: scheduled property, ordinance/law, water backup, inflation guard
  • Flood (NFIP) and other catastrophe perils: earthquake, windstorm, residual markets
Section 4
IV. Personal Liability
4 lessons
+
  • Legal liability: negligence and its elements; absolute, strict, and vicarious liability
  • Defenses and damages: comparative vs. contributory negligence; compensatory and punitive
  • Personal liability and medical payments under homeowners Section II
  • Umbrella and excess liability: drop-down, self-insured retention, and underlying requirements
Section 5
V. Personal Automobile
4 lessons
+
  • Personal Auto Policy: liability, medical payments, and the covered-auto rules
  • Uninsured/underinsured motorist and PIP/no-fault concepts (limits and rules vary by state: see your state section)
  • Physical damage: collision, other-than-collision, and exclusions
  • Financial responsibility and compulsory insurance concepts (minimums vary by state: see your state section)
Section 6
VI. Personal Lines Coverages in Depth
15 lessons
+
  • Homeowners forms compared: HO-2, HO-3, HO-5, and HO-8 by peril basis and coverage trigger
  • Homeowners endorsements: scheduling, ordinance or law, water backup, service line, home business, and identity theft
  • Dwelling policies: DP-1, DP-2, and DP-3 for tenant-occupied, seasonal, and rental risks
  • Renters and condominium coverage: HO-4, HO-6, loss assessment, and walls-in vs. bare-walls responsibility
  • Valuable articles and scheduled property: the personal articles floater, scheduling vs. blanket, appraisals, and agreed value
  • Personal Auto Policy: Parts A through D in depth
  • Personal Auto Policy endorsements: tailoring the base form
  • Insuring miscellaneous vehicles: motorcycles, RVs, ATVs, and more
  • Watercraft and boatowners coverage: from dinghy to yacht
  • Personal umbrella policy in depth: underlying limits, retention, and drop-down
  • Personal inland marine and floaters: scheduling high-value property under the Nationwide Marine Definition
  • Flood insurance for personal lines: the NFIP, Write-Your-Own, Preferred Risk Policy, and the dwelling form
  • Earthquake and other catastrophe perils: endorsements, difference-in-conditions, and earth-movement exclusions
  • Identity theft and personal cyber coverage: expense reimbursement, social engineering, and coverage triggers
  • Home-sharing, in-home business, and mobile/manufactured home coverage forms
Section 7
VII. Policy Provisions, Underwriting, and Claims Handling
5 lessons
+
  • Reading the policy: declarations, insuring agreement, conditions, exclusions, definitions
  • Underwriting: sources of information, acceptability, and the FCRA in underwriting
  • Binders, endorsements, and certificates of insurance
  • The claims process: notice, proof of loss, investigation, appraisal, and settlement (timelines vary by state, see your state section)
  • Cancellation, nonrenewal, and premium audit (notice periods vary by state: see your state section)
Section 8
VIII. Insurance Regulation and Federal Law
5 lessons
+
  • How insurance is regulated: McCarran-Ferguson, the NAIC, and state insurance departments
  • Producer licensing, appointment, and CE: the NAIC producer model
  • Unfair trade and claims-settlement practices: the NAIC model framework
  • Federal law touching P&C: TRIA, GLBA privacy, FCRA, and Fair Credit / privacy notices
  • Guaranty associations and residual markets: the NAIC model
Section 9
IX. Insurance Ethics
5 lessons
+
  • The producer as a fiduciary: duties to the client, the insurer, and the public
  • Fair dealing, suitability, and avoiding conflicts of interest
  • Prohibited practices: misrepresentation, twisting, churning, rebating, and defamation (generic NAIC framing)
  • Handling client money and information: trust accounts, privacy, and record integrity
  • Professionalism in practice: case studies in ethical decision-making
Section 10
X. Colorado Insurance Code and Division of Insurance
5 lessons
+
  • Colorado Division of Insurance — Authority, Examinations, Orders, Penalties
  • Colorado Producer Licensing — Qualifications, Prelicensing, CE, Appointment, Termination
  • Colorado Unfair Trade Practices, Statutory Bad Faith, and Algorithmic Discrimination
  • Colorado Claims Handling — Acknowledgment, Investigation, Wildfire Protections
  • Colorado Rating, Underwriting, Cancellation, and Residual Markets
Section 11
XI. Colorado Statutes Pertinent to Personal Lines
5 lessons
+
  • Colorado Personal Auto Law — 25/50/15, UM/UIM, MedPay, Tort Fault, and SR-22
  • Colorado Homeowners Cancellation and Nonrenewal — Notice Requirements
  • Colorado Residual Property Market — The FAIR Plan
  • Colorado Insurance Guaranty Association — Protection on Insurer Insolvency
  • Colorado Claim Handling and Consumer Protection — Prompt Claims, Bad Faith, Wildfire Rules, Credit Scoring

How it works

1

Enroll

One-time payment of $49.99. Secure checkout powered by Stripe.

2

Study on your schedule

Read the lesson library, take section quizzes, and work through the practice-question bank as many times as you need.

3

Complete the course

Finish every section and the final exam to earn your completion certificate, then follow the Colorado Department of Insurance steps to apply for your license. Check the DOI to see whether you still need to sit for the state exam.

FAQ

What is this Colorado Personal Lines pre-licensing course?+
This is a 50-hour state-regulated pre-licensing education course for the Colorado Personal Lines license, delivered online and self-paced.
Do I still have to take the Colorado state exam?+
Completing pre-licensing education does not by itself license you. Colorado sets its own exam, fingerprint and application steps, and some applicants are exempt from the exam. Check the Colorado Department of Insurance website for the rule that applies to you before you register and pay for any exam.
Does the course include AI tutoring?+
Yes -- every lesson page has a built-in AI tutor, included with the course at no extra cost. It can explain the current lesson in simpler terms, quiz you one question at a time, and tell you what to study next based on your actual quiz results. If you already use Claude or ChatGPT, you can also connect your own AI assistant to your course from your account page, so it can coach you using your real progress and practice questions.
Can I study on my phone?+
Yes. The course works on any phone, tablet, or computer with a browser -- no installs or downloads required -- and your progress, quiz scores, and seat time sync automatically across devices. Materials stay online rather than as downloadable files so that every study session reflects the current version of the content; there is nothing stale sitting in a folder after a state changes its rules.
Can I fit this course around a full-time job?+
It is built for that. The course is fully self-paced with no schedules, live sessions, or deadlines: study in short sessions from your phone during a commute or lunch break, and pick up exactly where you left off on any device. The AI tutor points you to the sections your quiz results show you need most, so limited study time goes where it counts.
How long do I have access to the course?+
Lifetime. After purchase you are enrolled immediately and can log in from any device -- laptop, tablet, or phone. Your progress syncs automatically and access never expires.
Can I get a refund?+
Yes. Within 7 days of purchase and before you have completed more than 25% of the course or started the final exam, you can request a full refund. Email support@theelitecompany.com with your order number; refunds process to the original payment method within 5-10 business days.

Ready to start studying?

Enroll once, keep access forever, pass your exam with confidence.

$49.99 · 7-day money-back · Lifetime access