ACTUAL CASH VALUE (ACV) - The value of the property lost or damaged at the time of the loss.
ADDITIONS AND ALTERATIONS COVERAGE - Protects the insured after a loss for any additions, alterations and improvements made to their unit.
AUTO INSURANCE - Provides coverage for insured’s liability and property damage to others as well as optional physical damage from collision, fire, theft or vandalism.
BOAT INSURANCE - Provides coverage for insured’s liability and property damage to others as well as optional physical damage from collision, fire, theft or vandalism.
BUSINESS INSURANCE - Provides coverage for injury or damage caused to others by you or your employees, resulting from your business operations including your premises, your products, and your operations or services.
COINSURANCE - A fixed percentage of the eligible medical expenses the insured is required to pay, in excess of any deductible.
COLLISION COVERAGE - Protects against loss resulting from any damage to the insured car caused by collision with another auto or object regardless of fault.
COMMERCIAL AUTO INSURANCE - Provides coverage for a business auto for bodily injury to others and damage to property.
COMPREHENSIVE COVERAGE - Protects against loss other than collision resulting from damage, theft or vandalism to the insured auto.
CONDO INSURANCE - Provides coverage from the walls in, your contents and liability for a condo that is owner occupied.
CONDO RENTED TO OTHERS INSURANCE - Provides coverage from the walls in, your contents and liability for a condo that is rented to another.
CONTENTS COVERAGE - Protects against the loss of or damage to personal property.
DEATH BENEFIT - The amount of money paid to a beneficiary on the insured's death.
DEDUCTIBLE - The portion of eligible medical expenses in a calendar year that an enrollee must pay before any benefits are paid.
DISABILITY PAYMENT - Protects the insured with periodic payments if they become disabled.
DISABILITY INSURANCE - Provides coverage to replace income if a insured is unable to work as a result of illness, injury or disease.
DWELLING INSURANCE - Provides coverage to replace a dwelling in the event of a covered loss.
FLOOD INSURANCE - Protects against loss resulting from a flood for a insured's dwelling and personal property.
FULL GLASS COVERAGE - Replacement of auto glass due to loss or damage.
GUEST PASSENGER LIABILITY COVERAGE - Protects the insured from financial loss for injuries to a passenger in an accident which the driver was at fault.
HEALTH INSURANCE - Provides coverage designed to protect against financial losses resulting from sickness or accidental bodily injury.
HOME INSURANCE - Provides coverage for your dwelling, contents and liability for a home that is owner occupied.
HOME RENTED TO OTHERS INSURANCE - Provides coverage for your dwelling, contents and liability for a home that is rented to another.
JET SKI INSURANCE - Provides coverage for insured’s liability and property damage to others as well as optional physical damage from collision, fire, theft or vandalism.
LIABILITY COVERAGE - Protects the insured from financial loss due to injuries to other persons.
LIFE INSURANCE - Provides a payment of a specified amount to an insured's designated beneficiary when they die.
LOSS ASSESSMENT COVERAGE - Protects the insured from fees assessed by a condominium or homeowner association.
LOSS OF RENTS COVERAGE - Protects the insured with replacement income during a covered loss for a vacant rental building.
LOSS OF USE COVERAGE - Protects the insured with living expenses if a home becomes uninhabitable because of a covered loss.
MEDICAL PAYMENTS COVERAGE (AUTO) - Protects the insured's and passengers expenses incurred in the event of an accident, regardless of who is at fault.
MEDICAL COVERAGE (HOME) - Provides payment for medical expenses of guests at your home resulting from an accident on your property.
MOBILE HOME INSURANCE - Provides coverage for your mobile home, contents and liability for a mobile home that is owner occupied.
MOTORCYCLE INSURANCE - Provides coverage for insured’s liability and property damage to others as well as optional physical damage from collision, fire, theft or vandalism.
OTHER STRUCTURES COVERAGE - Protects the insured’s detached structures on the insured property.
PROPERTY DAMAGE COVERAGE - Protects the insured's legal liability for damage by an insured automobile to the property of another.
RENTAL REIMBURSEMENT COVERAGE - Reimburses auto rental expense for a replacement auto up to the selected limit.
RENTERS INSURANCE - Provides coverage for your contents and liability of a rented property.
REPLACEMENT COST - The cost of replacing damaged or destroyed property without deduction for depreciation in the value of the property.
RV MOTOR HOME INSURANCE - Provides coverage for insured’s liability and property damage to others as well as optional physical damage from collision, fire, theft or vandalism.
SCHEDULED PROPERTY - Listing specific stated value for property that otherwise has limited coverage.
SNOWMOBILE INSURANCE - Provides coverage for insured’s liability and property damage to others as well as optional physical damage from collision, fire, theft or vandalism.
TERM LIFE INSURANCE COVERAGE - Protects the insured’s beneficiary with a specific death benefit payable if the inured dies within a specified policy period.
TOWING COVERAGE - Reimburses towing expense from the location of your disabled vehicle.
UMBRELLA INSURANCE - Provides for losses in excess of amounts covered by other liability insurance policies.
UNINSURED / UNDERINSURED COVERAGE - Protects the insured and passengers for bodily injury caused by the operator of an uninsured or underinsured auto.
UNIVERSAL LIFE INSURANCE COVERAGE - Protects the insured’s beneficiary with a flexible death benefit payable on the insured’s death.
WHOLE LIFE INSURANCE COVERAGE - Protects the insured’s beneficiary with a specific death benefit payable on the insured’s death.
WORKERS COMPENSATION INSURANCE - Provides protection for employers to pay benefits and furnish care to employees injured and to pay benefits to dependents of employees.