1 Hr CE CE Elective TREC Provider #10034

Ensuring Insurance Coverage

It's a Rating System

Homeowners insurance has become one of the most unpredictable parts of a Texas transaction — and agents who don't understand the rating system are setting their buyers up for a nasty surprise. This class covers what drives insurance costs, which carriers are still writing policies in Texas, and how to have the insurance conversation with buyers early enough to actually matter.

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What You'll Learn

Texas insurance has changed dramatically in the last five years — carriers have exited the market, premiums have doubled on certain property types, and buyers are getting quotes they weren't expecting. This class gives agents enough working knowledge to prepare buyers for what's coming, without overstepping into giving insurance advice.

Inside Ensuring Insurance Coverage 1 Hr • #30669-RECE

How the Rating System Works — The factors that drive homeowners insurance premiums in Texas: roof age and material, claims history (CLUE reports), proximity to water, wind exposure zones, and credit-based insurance scores.
Carriers Still Writing in Texas — Which carriers are active, which have restricted or stopped writing new policies, and what the surplus lines market means for buyers who can't get standard coverage — including what that does to their lender requirements.
When to Have the Insurance Conversation — Why waiting until after the inspection is too late, what to tell buyers before they write an offer on a property that might be hard or expensive to insure, and how to recommend they get a quote early without creating liability.
Types of Coverage and What They Cover — HO-3 vs. HO-8 policies, what "replacement cost" vs. "actual cash value" means for a buyer, and the gaps in standard policies that affect certain property types in Texas.
Insurance Issues That Kill Deals — Real scenarios where insurance surprises derailed transactions: roofs that don't qualify for coverage, properties with prior mold or water claims, and buyers who discover their premium is $8,000/year two days before closing.

Who This Is For

Agents Who Want to Stop Losing Deals to Insurance Problems

Any agent who has watched a transaction go sideways because of an insurance issue that showed up too late in the process. If your buyers are consistently surprised by their insurance costs, this class is for you.

CE Hours1 Hr

Class Length1 Hr

FormatIn-Person & Zoom

Provider #10034

Course #30669-RECE

Why CNAT Education

Taught by someone who actually closes deals.

Insurance problems at the title table are one of the most preventable ways a transaction falls apart.

Most CE classes treat your renewal hours like a checkbox. This one doesn't.

Bradley Patterson is the Director of Technology at Community National Title and a TREC-approved instructor. He sees the contracts that go sideways, the disclosures that don't get filled out right, and the rule changes that show up in real deals before they show up in headlines. That's the lens he brings to every class.

Insurance delays and surprises show up at the closing table more often than most agents realize — and almost all of them could have been managed earlier in the transaction with one conversation. This class gives you what you need to have that conversation competently, and to recognize the properties where the insurance question has to be answered before an offer is written.

One hour. Real scenarios. Leave knowing how to protect your transactions from an insurance crisis.

Texas Market Focused In-Person or Zoom Real Deal Scenarios Carrier Landscape 2026

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No session is currently scheduled — but we run this class regularly. Drop your info and we'll email you the moment a session is scheduled with the date, format, and registration link.