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Earthquake Insurance — A regular Homeowners policy will not include earthquake coverage, but it can be purchased as an endorsement or separate policy. Multi-Car Discount — Available to policyholders at the same property address who insure more than one vehicle. Losses Incurred Pure Losses — Net paid losses during the current year plus the change in loss reserves since the prior year-end. Extended Replacement Cost — This coverage pays a certain amount above the policy limit to replace a damaged home, generally percent or percent. Cancellation — Termination of an insurance contract before the end of the policy period by the insured or insurer. Co-payment — A predetermined, flat fee an individual pays for healthcare services, in addition to what insurance covers.

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Policy Change — Any change made to an insurance policy during the period that the policy is in force. Exposure — Measure of vulnerability to loss, usually expressed in dollars or units. Solvency — The financial stability of an insurance company that gives it the margin necessary to pay policyholder claims. Insurance — Financial protection against loss or harm: Homeowners Insurance — Protects homeowners from losses to their homes, personal property, and some types of damage or injury to others for which the homeowner is liable. Auto insurance coverage includes three broad categories of damage: The coverage is limited to the terms, limits and conditions of the policy contract. Renters Insurance — Insurance that provides protection from the loss of personal property that arise out of the rental of a home apartment, house, motor home, etc. Co-payment — A predetermined, flat fee an individual pays for healthcare services, in addition to what insurance covers. Schedules can list specific benefits, assets, charges, credits and other features that are unique to the policy, such as Earthquake insurance. Death Benefit — The limit of insurance or the amount of benefit that will be paid in the event of the death of a covered person. If a premium is paid during the grace period, the premium is considered to have been paid on time. no deposit online casino online spiele ohne anmelden Liability — Broadly, any legally enforceable obligation. Hazardous Activity — Bungee jumping, scuba diving, horse riding and other dangerous activities are not generally covered by standard insurance policies. Generally, depreciation is not an insurable loss. In types of insurance, such as Liability, an occurrence is distinguished from accident in that the loss does not have to be sudden and fortuitous but can result from continuous or repeated exposure that results in bodily injury or property damage. Personal Umbrella Policy — Coverage for losses above the limit of an underlying policy such as Homeowners or Auto insurance.

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