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In property insurance, coverage lists perils insured against, properties covered, locations covered, individuals insured, and the limits of indemnification. Anti-Theft Device — A device that deters auto theft and may entitle the insured to an insurance premium discount. Variable Life Insurance — A form of Life insurance whose face value fluctuates depending on the value of the dollar, securities or other equity products supporting the policy at the time premium payment is due. Guaranteed Renewable — A provision in many insurance products that guarantees the policy owner the right to renew coverage at every policy anniversary date. Also guards against financial obligation or lawsuit in the event of an accident. Policyholder — The person or entity listed on the policy declarations page. Defensive Driver Discount — Certain drivers who have voluntarily taken a defensive driving course may quality for this discount on their auto insurance premiums. Grace Period — The length of time usually 31 days after a premium is due and unpaid, during which the policy and all riders remain in force. Additional Living Expense Insurance — Coverage under a Homeowners, Condominium and Renters policy reimbursing costs of residing in a temporary location until the insured's home can be made whole again. Insurance — Financial protection against loss or harm: Loss Control —The use of appropriate insurance, avoidance of risk, loss control, risk retention, self insuring, and other techniques that minimize the risks of a business, individual, or organization. Anti-Theft Device — A device that deters auto theft and may entitle the insured to an insurance premium discount. Hazardous Activity — Bungee jumping, scuba diving, horse riding and other dangerous activities are not generally covered by standard insurance policies. Personal Lines — Insurance for individuals and families, such as Auto and Homeowners insurance.
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Named Insured — The person or entity listed on a policy declarations page. Exclusions — Items or conditions that are not covered by the general insurance contract. Loss Reserve — The estimated liability, as it would appear in an insurer's financial statement, for unpaid insurance claims or losses that have occurred as of a given evaluation date. Claim — A demand made by the insured, or the insured's beneficiary, for payment of the benefits as provided by the policy. Also guards against financial obligation or lawsuit in the event of an accident. Insurable Interest — Interest in property such that loss or destruction of the property could cause a financial loss. Universal Life Insurance — A type of flexible permanent life insurance offering the low-cost protection of term life insurance as well as a savings element like whole life insurance which is invested to provide a cash value buildup. Loss Reserve — The estimated liability, as it would appear in an insurer's financial statement, for unpaid insurance claims or losses that have occurred as of a given evaluation date. The premium is much higher than standard auto coverage due to the additional risks. Depreciation — The decrease in value of any property due to wear and tear or age. Check out Apollo Insurance Services on Yelp.