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In property insurance, the policyholder is required to carry coinsurance equal to a specified percentage of the value of property to receive full payment on a loss. Proof of Loss — A statement made regarding the extent of the claim, which may be requested in accordance with the conditions of the policy. Claim — A demand made by the insured, or the insured's beneficiary, for payment of the benefits as provided by the policy. 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. Elimination Period — The time that must pass after filing a claim before a policyholder can collect insurance benefits. The policy does not build up any of the nonforfeiture values associated with Whole Life policies. Portable Civil War Artillery: Adjustable Life Insurance — Life insurance that gives the policyholder power to change the face amount, premium, coverage period or other features of the policy. Motorcycle Insurance — A policy that provides protection from losses resulting from owning and operating a motorcycle. Memorials 21 May, When are these idiots going to remove her headstone? Auto insurance coverage includes three broad categories of damage: These policies are designed to protect the policyholder after a major disaster, when the high demand for building contractors and materials can push up the normal cost of reconstruction.
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While it applies to losses over the dollar amount in the underlying policy, terms of coverage are sometimes broader than in the basic policy. Pre War 25 Jul, Casualty Insurance — A type of insurance that is primarily concerned with losses caused by injuries to persons and legal liability imposed upon the insured for such injury or for damage to property of others. Condo Insurance — A type of Homeowners insurance that meets the special needs of condominium or townhouse owners. Homeowners Insurance — Protects homeowners from losses to their homes, personal property, and some types of damage or injury to others for which the homeowner is liable. Bodily Injury Liability Coverage — Pays damages for bodily injury or death resulting from an accident for which the insured is at fault; also pays for a legal defense according to the limits and conditions of the policy.
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