Concierge Insurance.
From Start to Claim™
Common terms from your policies — short definitions, examples, and which coverages they relate to.
18 terms
Habitational insurance covers apartment buildings, condos, rental dwellings, and similar residential rental properties.
Habitational Insurance is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Commercial Property, General Liability, Landlord. For personal insurance customers, understanding Habitational Insurance can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Habitational Insurance depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Hail damage is damage caused by hail, commonly affecting roofs, siding, vehicles, crops, and outdoor property.
Hail Damage is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Homeowners, Auto, Commercial Property, Crop. For personal insurance customers, understanding Hail Damage can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Hail Damage depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
A hammer clause may limit the insurer's liability if the insured refuses a settlement recommended by the insurer.
Hammer Clause is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Professional Liability, D&O, EPLI. For business insurance customers, understanding Hammer Clause can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Hammer Clause depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
A hazard is a condition that increases the likelihood or severity of loss, such as unsafe wiring, poor maintenance, or slippery floors.
Hazard is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with All Insurance Types. For business insurance customers, understanding Hazard can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Hazard depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Health insurance helps pay for medical care such as doctor visits, hospital services, prescriptions, preventive care, and covered treatments.
Health Insurance is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Health Insurance. For benefits insurance customers, understanding Health Insurance can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Health Insurance depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
A health savings account is a tax-advantaged account used with qualifying high deductible health plans to pay eligible medical expenses.
Health Savings Account is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Health Insurance. For benefits insurance customers, understanding Health Savings Account can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Health Savings Account depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
A high deductible health plan has a higher deductible and may qualify for use with a health savings account if federal requirements are met.
High Deductible Health Plan is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Health Insurance. For benefits insurance customers, understanding High Deductible Health Plan can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of High Deductible Health Plan depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Hired auto coverage applies to autos leased, hired, rented, or borrowed for business use, subject to policy terms.
Hired Auto is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Commercial Auto. For business insurance customers, understanding Hired Auto can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Hired Auto depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Hired physical damage covers damage to autos the insured rents, leases, hires, or borrows.
Hired Physical Damage is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Commercial Auto. For business insurance customers, understanding Hired Physical Damage can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Hired Physical Damage depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
An HO-3 policy is a common homeowners form that typically covers the dwelling on open perils and personal property on named perils.
HO-3 Policy is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Homeowners. For personal insurance customers, understanding HO-3 Policy can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of HO-3 Policy depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
An HO-4 policy is renters insurance covering tenants' personal property, liability, and loss of use but not the building structure.
HO-4 Policy is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Renters. For personal insurance customers, understanding HO-4 Policy can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of HO-4 Policy depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
An HO-6 policy is condo insurance covering personal property, liability, loss of use, loss assessment, and certain interior building items.
HO-6 Policy is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Condo. For personal insurance customers, understanding HO-6 Policy can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of HO-6 Policy depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
HOA insurance covers homeowners associations for common property, general liability, directors and officers, crime, and related exposures.
HOA Insurance is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with HOA, Condo Association. For personal insurance customers, understanding HOA Insurance can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of HOA Insurance depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
A hold harmless agreement is a contract provision where one party agrees to protect another from certain claims or liabilities.
Hold Harmless Agreement is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with General Liability, Contractors. For business insurance customers, understanding Hold Harmless Agreement can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Hold Harmless Agreement depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
A home business endorsement adds limited property or liability coverage for qualifying business activities conducted from the home.
Home Business Endorsement is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Homeowners, Business Insurance. For personal insurance customers, understanding Home Business Endorsement can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Home Business Endorsement depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Homeowners insurance combines property coverage for an owner-occupied home and belongings with personal liability and additional living expense coverage.
Homeowners Insurance is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Homeowners. For personal insurance customers, understanding Homeowners Insurance can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Homeowners Insurance depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Host liquor liability covers incidental serving of alcohol by organizations or individuals not in the business of selling alcohol.
Host Liquor Liability is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with General Liability, Special Events. For business insurance customers, understanding Host Liquor Liability can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Host Liquor Liability depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Hull coverage insures physical damage to a boat or vessel, including the hull, machinery, and sometimes permanently attached equipment.
Hull Coverage is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Boat, Yacht, Marine. For powersports insurance customers, understanding Hull Coverage can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Hull Coverage depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
