Auto
This coverage pays for damage you cause to someone else’s vehicle or property.
What is property damage liability?
This coverage protects the physical structure of your home from covered losses.
What is dwelling coverage?
This type of life insurance provides coverage for a specific period of time, such as 10, 20, or 30 years.
What is term life insurance?
This policy covers bodily injury and property damage claims made against a business.
What is general liability insurance?
Umbrella does NOT cover damage to this.
What is your own property?
This coverage applies to events like theft, fire, vandalism, or hitting a deer.
What is comprehensive coverage?
This coverage protects your furniture, clothing, and personal items inside the home.
What is personal property coverage?
his type of life insurance lasts your entire lifetime and may build cash value.
What is whole life insurance?
his coverage protects a business’s physical building, equipment, and inventory from covered losses like fire or theft.
What is commercial property insurance?
Umbrella coverage kicks in after these policies are exhausted.
What are underlying policies?
This coverage pays to repair your vehicle after hitting another car or object.
What is collision coverage?
This coverage helps pay for a hotel or temporary housing if your home is unlivable after a claim.
What is loss of use (additional living expenses)?
The person who receives the payout from a life insurance policy is called this.
What is a beneficiary?
Required in New York state, this insurance provides benefits for employees injured on the job.
What is workers’ compensation insurance?
The most common starting dollar limit for an umbrella policy.
What is $1 million?
This type of coverage protects you if you’re hit by a driver who has no insurance.
What is uninsured motorist coverage?
This liability coverage protects you if someone is injured on your property and you are found responsible.
What is personal liability coverage?
This is the amount of money paid out upon the insured’s death.
What is the death benefit?
This type of policy covers mistakes, negligence, or professional advice that causes financial harm to a client.
What is professional liability (E&O) insurance?
Umbrella policies typically cover this type of loss.
What is liability?
This coverage helps pay for your injuries after an accident, regardless of who is at fault (required in NY).
What is Personal Injury Protection (PIP)?
This common natural disaster is typically NOT covered by standard homeowners insurance and requires a separate policy.
What is flood (insurance)?
This feature in permanent life insurance grows over time and can sometimes be borrowed against.
What is Cash Value?
This bundled policy combines general liability and property coverage into one package for small businesses.
What is a Business Owners Policy (BOP)?
Umbrella policies may cover claims like slander, libel, and false arrest—known as this.
What is personal injury liability?