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Home Dictionary J Jewelry Floater Jewelry floats are a type of additional insurance designed to protect valuable jewelry. These types of supplemental insurance policies are common to a range of valuable personal items. A professional appraisal fee may be required to obtain a jewelry float. Fire Insurance
September 25, 2022 Fire insurance is property insurance that provides additional coverage in the event of loss or damage to a building damaged or destroyed by fire. Hazard Insurance
September 25, 2022 Hazard insurance protects the property owner from damage caused by fires, severe hurricanes and other natural disasters. Hurricane Deductible
September 25, 2022 Strictly speaking, there is no insurance against a hurricane. Personal Property
September 25, 2022 Personal property includes items that people own, such as furniture, appliances, or electronics. In short, these objects differ from immovable property in that they are movable. Property Insurance
September 25, 2022 Property insurance refers to a series of policies that offer either property protection or liability coverage. Umbrella Insurance Policy
September 25, 2022 An umbrella insurance policy is a type of personal liability coverage that goes beyond the amount that regular home or car insurance offers. Valuation Clause
September 25, 2022 A valuation clause is the wording of an insurance policy that specifies a fixed amount that the policyholder can receive in the event of a claim. Valued Policy Law (VPL)
September 25, 2022 The Valuable Property Act (VPL) is a legal mandate that insurers cover the full value of a property if the damage is considered a total loss. Vandalism and Malicious Mischief Insurance
September 25, 2022 Vandalism and malicious damage insurance is included in most major commercial and homeowner insurance policies. Water Damage Insurance
September 25, 2022 Water damage insurance protects homeowners from certain types of water damage. Water Damage Legal Liability Insurance
September 25, 2022 Water damage liability insurance is a type of policy for individuals or businesses that protects them if they cause unintentional water damage to someone else’s property or property. Water Exclusion Clause
September 25, 2022 The water exclusion clause is a standard feature of property insurance contracts, refusing to cover various categories of loss related to water events. Windstorm Insurance
September 25, 2022 Hurricane insurance is a special type of property casualty insurance that protects policyholders against property damage caused by erratic events such as tornadoes, hurricanes and storms. Workers' Compensation
September 25, 2022 Workers’ compensation is a form of employers’ insurance coverage that pays benefits to workers who are injured or disabled as a result of their work. Workers' Compensation Coverage A
September 25, 2022 Workers’ Compensation A protects workers under state law. Accidental Death Benefits
September 25, 2022 An accidental death benefit is paid to the beneficiary of the accident insurance policy. Accidental Death and Dismemberment Insurance (AD&D)
September 25, 2022 Accidental death and dismemberment (AD&D) insurance is usually added as an add-on to a life insurance policy. Actuarial Life Table
September 25, 2022 The statistics in the actuarial life table calculate, among other things, the probability of surviving to a certain age. Adjustable Life Insurance
September 25, 2022 Regulated life insurance allows policyholders to make adjustments to their cash value, premiums and death benefits. Aleatory Contract
September 25, 2022 an aleatory contract is an agreement under which the parties are not required to perform certain actions until a certain event occurs. All Risks
September 25, 2022 All risks - a comprehensive insurance policy offered on the property accident insurance market. Allocated Loss Adjustment Expenses (ALAE)
September 25, 2022 Allocation expenses (ALAE) are expenses related to a specific insured event. Assurance
September 25, 2022 A guarantee refers to a financial cover that provides a reward for an event that is bound to happen. Automatic Premium Loan
September 25, 2022 Automatic premium loans allow you to apply the cash value of a permanent life insurance policy to past due premium payments. Bancassurance
September 25, 2022 Bancassurance is an agreement between a bank and an insurance company, through which the insurer can sell its products to the bank’s customers.