Basic Automobile Coverages
Sometimes called No-Fault Coverage. Coverage details and limits vary by state. Examples include:Medical bills, Loss of income, Replacement services, Funeral expenses
What is Personal Injury Protection
Pays the full cost to repair/replace the glass/windshield, without charging the Comprehensive deductible.
What is Full Glass (Glass Buyback)
Provides insurance for the dwelling premises, which includes protection for the house and permanently attached structures. Also includes permanently affixed fixtures, such as furnace, hot water heating tanks, etc...
What is Coverage A - Dwelling
Pays for water damage caused by backup from drains or sewers and/or by overflow from a sump pump well.
What is Coverage 13 - Backup of Sewer, Drain or Sump Pump
Domestic Partners and Civil Unions must be rated as drivers and married in all of the following states EXCEPT:
New York
In the event of an auto accident, this coverage provides protection against loss where the insured is legally liable for damages to a person they have injured.
What is Bodily Injury Liability
Optional auto coverage which pays for car rental incurred because of a disablement, caused by a loss covered under the Physical Damage section of the policy.
What is Substitute Transportation
In the event of a covered homeowner claim, this provides coverage for reasonable medical expenses to people other than insured, regardless of fault. Insured is not liable, however, feels a moral obligation to take care of guest's medical expenses.
What is Coverage G - Medical Payments to Others
Extends homeowner liability coverage to include: False arrest or imprisonment, wrongful detention or malicious prosecution; Wrongful eviction or entry; Libel, slander, defamation of character, or Invasion of privacy.
What is Cov 25 Personal Injury
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What is major?
Provides coverage for medical bills when injured (Bodily Injury - BI) or damage to property (Property Damage - PD) in an auto accident caused by someone who does not have enough insurance.
What is Underinsured Motorist (UIM) Coverage
Provides coverage for physical damage to insured vehicle caused by perils such as falling objects, fire or explosion, birds or animals, earthquakes, theft or larceny, glass breakage, riot, malicious mischief or vandalism, windstorm, hail, water and flood. Typically subject to a deductible.
What is Comprehensive Coverage
Increases this coverage limit for assessments charged against insured by an association of property owners.
What is Coverage 6 - Increased Loss Assessment
In the event of a covered loss, the amount deducted from the payment to the insured before the policy kicks in.
What is the Deductible
Provides coverage to insured vehicle if it is hit by another vehicle or runs into an object. Subject to a deductible.
What is Collision Coverage
When a covered property loss makes insured's residence unfit to live in, (dwelling, condo or leased property) this coverage will pay increased cost to maintain insured's normal standard of living. Payment is for shortest time required to repair or replace insured's dwelling or condo or to permanently relocate.
What is Coverage D - Loss of Use
Generally provides coverage for specifically described personal articles: All Risk Basis (limit selected by insured): with no deductible. Examples:Jewelry & Watches Furs, Silverware, Goldware, Fine Arts, Musical Instruments, Cameras
What is Scheduled Personal Property (SPP)
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What is PIBCC.
Provides protection against loss where the insured is legally liable for damages to a person's car, boat or property they have damaged.
What is Property Damage Liability Coverage
Ensures that the vehicle's lease or loan is paid off if the vehicle is a total loss due to an accident, even if the amount exceeds the vehicle's value.
What is Lease or Loan Gap Coverage
Provides coverage for household contents and personal belongings owned or used by the insured anywhere in the world.These are portable items, such as stereos, bicycles, furniture, or clothing.
What is Coverage C - Personal Property
This coverage provides for Full replacement of home with no cap- offered only by MetLife
What is Coverage A plus - Guaranteed replacement cost with no cap. Coverage A plus
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What is General Phone Listing.