Glossary

Need to check an insurance related word or term? We've got them here. Select from the list of glossary words below or use the search box to help find what you are looking for.

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Glossary

Actual Cash Value

A calculation of value that pays damages equal to the replacement value of damaged property minus depreciation. Depreciation includes diminishment in value due to time and wear.

Additional Living Expense

Protection against costs incurred when a policyholder requires temporary shelter due to damage by a covered peril that makes the home temporarily uninhabitable.

Additions and Alterations

Materials and supplies that are used to alter or improve a unit, building or other structures. Coverage for these situations may be necessary when a policyholder is renting a premises or when a policyholder does not actually own the real property (building), as in condominium ownership.

Basement, Attic, Garage

These rooms are of interest from an insurance perspective because of their use as storage rooms. Aesthetic sensabilities are usually put aside in these rooms and possessions can be stacked or tucked in densely packed rows in a way that would not be duplicated in a living area. This density leads to one of the highest concentrations of values in the whole house. The value of possessions in these storage areas can be tricky to estimate because the disparate collections of things might include seasonal decorations and clothes, old books, building materials and tools, pictures that no longer fit the homes decor and so on. Further complicating estimation is the fact that these spaces are frequently multi-purpose serving as an exercise room, den or playroom.

Replacement Cost Valuation Tips
These are the toughest areas in the house for Personal Risk Wizard to estimate. The best way to know whether you need to adjust the room summary is to focus on the $500 rule and Verticality. If you have more that 6 or 7 items that cost over $500 (groups of items like Christmas decorations would count as one item for this) then you need to take those values into account. If you are using up a lot of vertical space as well as horizontal space (stacking) then you probably at least need to do a quick mental inventory of what you have stored and then make adjustments.

Binder

An agreement to provide pending issuance of a policy contract.

Business Automobile Insurance

A standardized insurance policy for protecting automobiles owned and operated by businesses.

Business Income Insurance

Sometimes known as Business Interruption Insurance, this is a commercial insurance coverage that reimburses a business owner for lost profits and continuing fixed expenses during the time that a business must stay closed while the premises or operations are being restored because of physical damage from a covered peril.

Business Owners Policy

A standardized insurance policy designed for small to mid-sized businesses that combine several coverages for most business needs. These include property, liability and business interruption coverages. An analogy would be a homeowner policy for a business.

Cameras

Includes digital and film photographic equipment, projection machines and related articles. These articles can be scheduled and valued separately.

Captive Insurance Company

This type of self-insurance is the result of a company forming a wholly owned insurance company for the purpose of providing insurance to itself.

Certified Insurance Counselor (CIC)

The Certified Insurance Counselor (CIC) designation and pin is a mark of distinction that represents a commitment to professional excellence and leadership within the insurance industry.

The 30,000 designated CICs across the country are recognized as among the best and most knowledgeable insurance practitioners in the nation. The formal training required to become a CIC includes 100 classroom hours and the successful completion of five comprehensive exams, with an annual update required to ensure that CICs maintain their edge as the most capable and current insurance practitioners in the industry.

Chartered Financial Consultant (ChFC)

A Chartered Financial Consultant is a professional designation representing the completion of a comprehensive course consisting of financial education, examinations, and practical experience.

Chartered Life Underwriter (CLU)

Chartered life underwriter (CLU) is a professional designation for individuals who wish to specialize in life insurance and estate planning. ... Individuals must pass a series of courses and examinations to receive the designation.
Source: Insurance Information Investopedia

Chartered Property and Casualty Underwriter (CPCU)

Chartered Property Casualty Underwriter (CPCU) is a professional credential earned by individuals who specialize in risk management and property-casualty insurance.

The CPCU credential is most likely to be earned by insurance agents and brokers, insurance claims representatives, risk managers, and underwriters. It is offered by The Institutes, an industry organization that provides educational support, resources, and research to risk management and insurance professionals so they can better serve the public

Source: Insurance Information Investopedia

Collision Damage Waiver (CDW)

Collision Damage Waiver. Used by rental car companies. Signing waives your right to collect from the rental company for physical damage to the rented automobile. Coverage may be provided through your personal auto policy.

Comprehensive Loss Underwriting Exchange (CLUE)

Comprehensive Loss Underwriting Exchange. A cooperative exchange of loss records and information which is available to insurance carriers

Coins, money

A standard homeowner policy generally limits reimbursement for coins and other money, bank notes, bullion, gold (other than jewelry), silver (other than silverware), platinum (other than jewelry), medals and smart cards to $200. Coins, both rare and current and some other property can be scheduled to obtain higher limits for this property.

Collision Coverage

A type of automobile coverage. An insurance policy would pay under this coverage if an insured vehicle struck another object while the vehicle is being driven.

Collision Damage Waiver

(CDW) An agreement, which can be included in a car rental agreement, where the rental car company agrees to waive the renter's responsibility for any physical damage to the rental car in exchange for an additional payment.

Comprehensive Personal Liability

Protection for individuals and family members from legal liability resulting from accidents; this protection is not intended to extend to most business pursuits.

Constructive Total Loss

When the cost of repairs exceeds the actual cash value of damaged property..

Comprehensive Coverage

Frequently known as "other than collision" coverage for personal auto policies. This coverage is available for either personal or business auto policies. The coverage applies to losses due to various perils; the main ones include fire, theft and falling objects such as hail or trees. theft vandalism falling objects and water damage.

Condominium Unit Owners Policy

A comprehensive policy, similar to a homeowner policy, providing limits of protection for unit alterations and improvements, personal possessions, loss of use and liability for damage or injury to others.

Contract Bond

A contract between three parties. A surety principle applies for a bond from the surety, typically an insurance company, in order to assure an obligee, or project owner, that the principle has the capacity to perform according to the provisions of an agreement or contract yet to be fulfilled.

Contractors Bond

A type of surety bond for contractors. These bonds are issued by a bonding company to a contractor in exchange for a premium. These are used to assure an obligee that the contractor will perform to expectations, usually by the promise to make payments to the obligee in the event of non-performance.

Contractual Liability

Liability for acts of a third party for which a business entity is responsible through contractual agreement.

Coverage A

The policy provisions and limits in a homeowner policy that apply to your dwelling and other property connected to the residence building.

Coverage B

Homeowner policy provisions and limits for real property not attached to the dwelling.

Coverage C

In a homeowner policy the coverage provisions and limits that apply to your personal possessions and property.

Coverage D

Homeowner policy provisions and limits related to additional living expenses incurred because a residence cannot be occupied due to a loss covered under a homeowner policy.

Coverage E

Homeowner policy provisions and limits for damage or injury sustained by other than residents of the homeowner's dwelling for which the homeowner is legally liable.

Coverage F

Homeowner policy provisions and limits related to physical injury sustained by others on the residence premises or related to the residence premises. No legal liability is necessary for the coverage to apply.

Customized Coverage

You selected the above items because standard auto and home policies contain limitations or exclusions for protection in those areas. When updating your insurance program or soliciting a quote you will want to be sure to learn what options are available to you to customize your insurance policies.

Deductible

The portion of an insured loss that would be paid for by the insured party.

Depreciation

Diminishment in property value due to age and wear. This value discounting is taken into account when adjusting for property insurance that covers loss an actual cash value basis. That is, Actual Cash Value equals Replacement cost minus depreciation.

Dining Room

A formal area for eating often reserved for special occasions and large gatherings. Frequently special serving equipment is kept here.

Replacement Cost Valuation Tips
If you have valuable antique furniture, more than 6 or 8 place settings of fine china, silver and crystal, art on the walls you will want to adjust for these items. You may have an expensive oriental rug or chandelier that you want to take into account. Generally, if the cost to replace these items is well into the thousands then you should adjust your room summary.

Earth Movement

Includes earthquake and mud slide; this protection is usually excluded from homeowner policies but can sometimes be bought back.

Earthquake

Protection against "earthquake" and related earth movement like landslides is not included in a standard homeowner policy but can often be added.

Employment Practice Liability

Any lawsuit or claim made by a former, current or prospective employee alleging an infringement of legal rights. Such allegations may be due to assertions of wrongful termination, discipline; sexual harassment, infringement of privacy or other related practice.

Exclusions

Insurance policy provision that eliminates certain coverage. Coverage can be excluded for certain perils, people, property classes, or locations. Sometimes these 'exclusions' can be bought back by endorsement to an insurance policy.

Family Room

This room goes by several other names like Bonus Room or Great Room and sometimes even Living Room. It is usually the most lived in room of the house where TV and movies are watched and family members are most likely to gather.

Replacement Cost Valuation Tips
Home entertainment equipment, in the extreme is not accounted for by the Personal Property Wizard. If you have a collection of CDs/DVDs/VHS tapes or record albums numbering in the thousands, you will want to make a room summary adjustment for these items. Likewise for oriental rugs, very expensive or large numbers of antiques or art pieces.

Fire

Combustion due to flame or heat. Insurance distinguishes between 'friendly' fire and 'hostile' fire. Friendly fire is fire that burns within intended confines, like a fire place. Hostile fire is fire that burns outside intended areas.

Firearms

Rifles, handguns and other weapons used for sport or protection. A standard homeowner policy limits loss due to theft of firearms to $2,500 unless the property is specifically scheduled.

Fixed Annuity

Fixed Annuities are a type of insurance contract where an insurance company makes a series of guaranteed payments in exchange for a sum of money at the outset of the contract; some fixed annuities will provide for a payment plan over time to build up the annuity lump sum. This type of investment instrument can help stabilize investment income, defer taxes on investment earnings, and is often part of a financial strategy for retirees or those contemplating retirement. Because of the guaranteed income stream provided by the fixed annuity, the insurance company, rather than the insured (annuity owner), takes the investment risk.

Flood

The overflow of the natural boundaries of a body of water or the unusual and rapid accumulation of surface water runoff. Most insurance policies exclude coverage for flood but coverage can be secured by a separate flood policy. River Flood is the result of rising river and tributary levels and; Flash Flood is caused by a sudden and heavy downpour upstream of the flood zone, the resulting wall of water can move very quickly. Tidal, or Coastal Flooding is caused by surges of wind driven water.

Flood Warning

Flooding has occurred or will occur soon.

Flood Watch

Conditions are right for flooding.

Furs

Garments made principally of fur or trimmed with fur. These items can be separately scheduled and valued.

Garage Liability Insurance

A type of liability coverage that is often needed by garages, body shops and other auto service business. This kind of liability protection will cover liability claims for occurrences on your premises; it will also provide coverage for operations and products.

Golf Equipment

Golf clubs, clothing and other related equipment. These items can be scheduled and valued separate for insurance protection.

Home Business Liability

Computers are protected against many causes of loss but one significant one is excluded: power surges and fluctuations. More comprehensive protection can usually be provided but must be requested.

Home Business Property

Valuable home theater components are protected against many causes of loss but one significant one is excluded: power surges and fluctuations. More comprehensive protection can usually be provided but must be requested.

Home Entertainment System, Computer Equipment, etc.

Home theater equipment, which can encompass big screen monitors, sophisticated speaker systems and special installation, often requires modified homeowner coverage for adequate protection. The same is true for computer equipment. In addition, typical homeowner policies limit reimbursement for damage or loss to data or computer equipment used in business.

Home Insurance Value

Home insurance policies are designed to replace a home or parts of a home if they are damaged or destroyed. Insurance-to-value, a closely related concept, means an amount of insurance adequate to replace a house which might be totally destroyed.

Home Owners Policy

A type of insurance policy protecting a policyholder from risk of loss to their home as well as other related risks. These typically include other structures on the residence property, personal property and additional living expense as a result of covered loss and legal liability. Many perils are insured against such as fire, theft and windstorm; conversely, many significant perils are not automatically covered under a standard homeowner policy. These include earthquake and flood among others.

Hurricane Warning

A Hurricane Warning is issued when there is a threat of a hurricane reaching landfall in less than 24 hours.

Identity Theft

Many, but not all kinds, of credit and debit card fraud are protected against, but usually only up to $500. Identity theft encompasses card theft as well as fraudulent use of personal information to obtain and use credit and higher limits of credit. Broader protection for identity theft than is generally provided for in a standard homeowner policy is inexpensive.

Independent Insurance Agent

An insurance agency that is free to contract with multiple insurance companies to meet the needs of their customers. This allows an independent agent to customize protection based on individual needs at competitive premiums. Independent agents are able to leverage relationships to make sure that their companies provide the level of service their customers expect and deserve, especially claim service.

Inland Marine Insurance

Originally, insurance for property that involved an element of transportation exclusive of marine transportation. Property transported by rail, truck or in storage awaiting, during or at the completion of transit is generally insured on an inland marine policy. But this kind of insurance has expanded over the years to include property that is subject to constant change such as a building under construction, equipment used at different locations and under different conditions, or schedules of property like jewelry or furs which change in value or composition.

Insurance-to-Value

An amount approximating the actual replacement cost of insured property. Frequently applied to real property; various methods are used to determine replacement cost which is usually the benchmark for Insurance-To-Value.

Insurance Purchasing Group

A group of separately owned but related businesses that band together for the purpose of obtaining insurance coverage.

Insurance Score

Insurance scores are based on consumer credit information which includes confidential information about loan payment history, the number of open credit accounts, bankruptcy and judgment filings. Insurance score measures how well a consumer manages their finances, not their financial assets; as such, income information is not included. Various studies have shown a high correlation between management of consumer finances and propensity to insurance loss. Many insurance companies use these scores in their underwriting and pricing determinations.

Jewelers Block

A type of business insurance policy designed specifically for jewelers

Jewelry

Precious stones and metals fashioned into adornments such as necklaces, rings, brooches, etc. A standard homeowner policy limits loss due to theft of jewelry to $1,500 unless the items are specifically scheduled.

Judicial and Probate Bond

This type of bond, which is sometimes referred to as a Fiduciary Bond, guarantees that certain individuals will act to protect assets in their trust. Executors and guardians in estate or will proceedings often need this type of bond. Often these bonds are used to guarantee that court fees or judgments will be paid.

Kitchen

An area where food is prepared and associated equipment is kept.

Replacement Cost Valuation Tips
There are generally only a few reasons why the replacement cost for items in your kitchen would be much different than calculations shown by Personal Risk Wizard. One might be that you use fine china or silver for everyday needs. Another could be that you keep some expensive, atypical kitchen items in this room. Still another could be a art and heirloom pieces that you have here. Take a look around and, if you see that we might be talking about you in this tip, you'll want to adjust your summary value for your kitchen.

Liability (Property Damage, Bodily Injury, Home, General, Product, Strict)

Rough synonyms for liability would be fault or responsibility. This coverage pays for bodily injury or property damage for which a policyholder is responsible. In an insurance context, liability is determined by negligence and concepts such as 'strict liability' and 'contractual liability'.

License and Permit Bond

This type of bond is usually required by law and act as a guarantee of sorts that the bondholder will indemnify the public authority for breach of regulation or ordinance such as non-payment of taxes or fees.

Living Room

This room is more formal than a den or family room. It may be furnished and appointed in a manner similar to the den or family room but it is typically not used either as frequently, or by all family members. Usually though, this room is furnished with somewhat more expensive furniture and contains more art or antiques than you might find in a family room.

Replacement Cost Valuation Tips
By definition, this is a more formal room; home entertainment equipment is a Family Room item. However, you may have expensive electronic equipment here just the same. Art, antiques, oriental rugs are all taken into account if values and quantities are typical. But, if you have a lot of these items or one or a few of very substantial value, the safest thing is to add their value to your room summary.

Loan, Lease (Gap) Coverage

Protection that covers the difference in selling price between a vehicle's actual cash value, and the payout left on a lease or loan.

Market Value

The price at which property could be sold, generally applicable to real estate. One of several common ways property may be valued for the purpose of selecting insurance coverage limits. Closely related concepts are 'actual cash value' (ACV) and 'replacement cost'.

Master Bedroom

This is the owners bedroom and includes wardrobes and closets associated with this room. For many homes, the greatest single concentrations of values for personal possessions are in these closets. Clothing alone, if it had to be replaced suddenly, could easily run $10,000, $20,000, $30,000 or more. Closets and drawers in the Master Bed Room are also used to store jewelry or family heirlooms that have significant value relative to the space they take up.

Replacement Cost Valuation Tips
In a nutshell these are what to look for: jewelry, art, clothes and hidden items. If you have a lot of, or very expensive, jewelry or art you will want to adjust this room summary. Most of us would be surprised at the value of our clothes; a man's wardrobe can easily top $7,000 to $10,000 and a woman's wardrobe in excess of $20,000 is not that unusual. Start with your shoes. If it takes more than $2,000 to replace your shoes then you will want to do a quick estimate of all Master Bed Room wardrobes and adjust Personal Risk Wizard estimates. And don't forget those valuable things you have under your bed or on the shelf in your closet. You may need to adjust for those if their value is over $500 each.

Master Policy

A type of insurance policy secured by a condominium association to cover "common" areas such as landscaping, passageways, parking areas, amenities, basement elevator and walkways for both liability and physical damage.

Medical Payments Coverage

A coverage that is found in automobile and also some liability policies. It covers medical payments, up to the policy limits, to injured parties irrespective of liability.

Multi-Peril Policy

A type of insurance policy that combines coverage for several different perils or causes of loss.

Motor Vehicle Record (MVR) 

Motor Vehicle Record. Driving record including accidents, convictions, date of original licensing and license renewals.

Mysterious Disappearance

Unexplained disappearance of insured property from a known location.

No-Fault Insurance

A type of insurance where each party to a loss will be covered by their own insurance, even if another party is legally liable (at fault) for the loss. States that use no-fault coverage usually modify this concept to permit some third party payments.

Ocean Marine Insurance

A policy for all types of watercraft, cargo and liability for marine related pursuits. Although the term suggests ocean only, ships, yachts and other craft plying inland waterways are also eligible for this type of insurance. Policies are designed to provide protection for ships (hull), cargo and liability.

On Hook Towing Coverage

This is a type of liability coverage often needed by businesses that engage in towing or hauling. It will pay to replace or repair damage for specified perils for vehicles under tow.

Ordinance and Law Coverage

A type of property insurance coverage that will pay for repair or replacement costs relating to building code requirements that result in retrofitting, demolition, or rebuilding.

Other Property

$1,500 for theft of furs; $2,500 for theft of silverware, gold or platinum ware; $2,500 for theft of firearms and related equipment. Higher limits and protection from a broader range of perils is possible by adding these items to your home policy through what is known as a schedule.

Other Structures

Refers to structures on premises that are not attached to the insured building. Examples would be detached garages, fences, retaining walls and outbuildings.

Perils (Covered Perils)

A risk or cause of loss. In an insurance policy, these might include fire, theft or water damage.

Personal Automobile Insurance

A standardized insurance policy for personal automobile liability and physical damage protection. Other typical coverage includes medical payments, towing and labor, rental reimbursement, uninsured motorist coverage and underinsured motorist coverage. There are two kinds of physical damage coverage: collision and comprehensive.

Personal Injury Protection

This coverage can be found in automobile policies in states that have no-fault provisions in their automobile insurance policies. The coverage protects an insured party for loss from physical injury, loss of income, and so forth, regardless of fault.

Personal Property

A class of property distinct from real property or business property. This class of property would include non-business possessions not part of land or buildings

Postage Stamps

Stamps and related property collected and traded due to value and rarity. Value for this property can be difficult to determine after a loss. These items can be scheduled and valued separately for insurance purposes.

Professional Liability Insurance

A type of specialty insurance to cover liability arising from professional pursuits. Any service provider who is expected to have unique or in-depth technical knowledge is a candidate for this kind of protection. Professional services run a broad range from medicine, law, architecture, engineering, teaching, and technology. Professional liability protection is not provided by general business liability insurance, homeowner insurance policies or home business policies.

Silverware

Eating and serving utensils with a significant silver content; included in this definition, from an insurance perspective are gold ware and platinum ware. A standard homeowner policy generally limits loss due to theft of silverware to $2,500 unless the items are specifically scheduled.

Rental Reimbursement

A common addition to auto insurance. This coverage reimburses for vehicle rentals required because your car is stolen or damaged by a cause covered under the auto policy. The amount is subject to limits selected.

Renter's Policy

A comprehensive policy, similar to a homeowner policy, providing limits of protection for personal possessions, loss of use and liability for damage or injury to others.

Replacement Cost

Insurance that pays to replace damaged property (building, possessions, vehicle, etc.) without deducting for depreciation. This amount is usually limited by a maximum dollar or percentage amount shown in an insurance policy.

Scheduled Property

Real or other property that is insured for a specific amount. When the property is other than real estate (e.g., personal property not attached to or part of a dwelling, equipment, etc.) scheduled property protection is often referred to as inland marine coverage.

SR-22

The SR22 filing is proof of insurance that is filed with the Department of Motor Vehicles. This form is often required for someone who has had their license suspended due to a DUI or drunk driving conviction.

Storm Surge

Water pushed toward shore by force of storm winds. The increase in water level from storm surge is in addition to the height of wind driven waves and normal changes in tide. Storm surge at the height of a major hurricane at high tide can result in significant flood damage along any tidal waterway.

Strict Liability

Liability assigned without regard to negligence or fault. Such liability is faced by a manufacturer or seller of defective or dangerous products.

Surety Bond

A contract between three parties. A surety principle applies for a bond from the surety, typically an insurance company, in order to assure an obligee, or project owner, that the principle has the capacity to perform according to the provisions of an agreement or contract yet to be fulfilled.

Tornado Warning

A tornado has been sighted or is indicated by radar in the warning area and is occurring or is imminent.

Tornado Watch

Conditions are right for the formation of a tornado in and around the watch area.

Totaled

When damages to a vehicle exceed the actual cash value. In a loss covered by insurance, the insurance company would normally make a payment equal to the vehicle's actual cash value and would retain the salvage rights (i.e., keep the 'totaled' vehicle).

Towing and Labor

Towing and labor coverage can be added as part of an auto insurance policy. Reimbursement for these expenses, up to the limit specified in the policy, can be used in the case of roadside breakdowns.

Umbrella Policy

A liability policy with high limits. Provides coverage for losses above the liability coverage limits of an underlying policy or policies such as homeowners and auto insurance. Coverages are often broader than those underlying policies and vary from insurance company to insurance company. Unlike the underlying policies a deductible, or retention, is usually applied to a loss before a loss payment.

Under Insured Motorists Coverage

Provides coverage for the insured and passengers if another driver, who is at fault in an accident, has an inadequate and lower auto liability policy limit than the insured. This coverage is applied after an at-fault driver's low limit automobile liability is exhausted.

Master Bedroom

Land, buildings and structures attached to the land (e.g., house, pool, outbuildings).

Return on talent

noun. The profit or other benefits that accrue to a company from its investments in recruiting and retaining valuable employees.

Underwriting

In insurance an insurance company or agency practice where risk is accepted, rejected or modified. Examples would be accepting or declining to offer an insurance policy at a given premium or offering to provide a policy for a different premium or change in policy terms.

Uninsured Motorists Coverage

Can be part of an auto insurance policy. This coverage protects policyholders from other drivers that do not have any insurance and from losses resulting from hit-and-run incidents.

Unit Assessment

Generally applies to condominium insurance. A share of an assessment charged to all unit owners as a result of a loss to common areas resulting from a covered loss.

Water Back Up

Protection from water seeping up from sewers or drains. Many standard home insurance policies do not include this coverage. Coverage can often be obtained through endorsement to a homeowner policy.

Watercraft

There are several watercraft coverage limitations in a standard homeowner policy. Liability coverage is generally excluded for most watercraft, in most situations unless the boat is a sailing vessel under 26 ft., an outboard of 25 horsepower or less or inboard or inboard/out drive motors of 50 horsepower or less. Also excluded is any business use. Standard coverage for direct damage to watercraft is usually limited to $1,500, an amount that includes trailers, equipment and outboard engines. Additional coverage can be had by endorsement to a homeowner policy or via a separate boat policy.

Windstorm Pools

Also referred to as beach plans, these are plans devised by coastal states to insure the windstorm exposure of coastal properties. Where wind storm exposure is high these pools are often the only catastrophic wind protection available.
A group of companies that combine for the purpose of providing group members with self-insurance. An RRG generally results in the establishment of a chartered, limited purpose, insurance company.

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