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* Seek out information from your local library, state insurance department or your favorite consumer publication.
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Homeowners insurance provides financial coverage against disasters. A standard Homeowners policy insures the home and the contents of the home. 
Homeowners insurance is a policy that covers several areas. It covers damage to your property and also your liability or legal responsibility for any property damage and injuries you or members of your family cause to other people.
Damage caused by most disasters is covered, but there are a few exceptions. The most important of these is damage caused by earthquakes, floods and poor maintenance of the home. You are required to buy separate policies for flood and earthquake coverage. The homeowner is responsible for maintenance of the home.
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Renters insurance provides financial coverage for the destruction or loss of your contents or possessions when you rent a house or an apartment.
Since usually renters insurance provides coverage for only the value of your contents, not the actual physical building, the cost or premium is relatively cheap. 
Having renters insurance, covers your possessions against losses from smoke, fire, vandalism, lightning, water damage (except floods), windstorm, theft, and an explosion. Renters insurance provides coverage for other people injured at your home or somewhere else by you, another family member or your pet. It even pays legal defense expenses should you have to go to court.
Additional living expenses are covered if due to a fire or another peril you are unable to live in your apartment. Renters policies will pay the difference between the costs for additional living expenses and your normal living expenses. The amount that will be paid, however is still limited.
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There are two types of Renter Policies.
- Actual Cash Value...This type of policy pays to replace your contents or home and subtracts for depreciation up to the limits of the policy purchased.
- Replacement Cost...This type of policy pays for the actual replacement cost of your belongings without a deduction for depreciation up to whatever policy limits purchased.
Because a typical Renters policy offers limited protection for many things such as jewelry, it might be wise to purchase a floater. The floater provides additional protection for these type items that are not included in your standard Renters policy.
This type of floater policy will help in recovering the total cost of these items. One of the additional things covered in the floater is accidental loss.
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What is the Abandonment Clause?
The Abandonment Clause in fire insurance and other property forms is a clause that prohibits the insured from leaving or abandoning property that is partially damaged to the insurer, so that a total loss may be claimed.
What is an Appraisal?
An Appraisal is done by an licensed or certified expert who evaluates the value of property and/or the extent of damage from an insured risk. This appraisal is used to determine the amount of insurance to be written or the amount of loss to be paid. Insurance companies usually require that appraisals be than three years old or less for specifically scheduled items, such as jewelry, musical instruments, fine art and silverware and cameras.
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What is Additional Living Expense Insurance?
Additional Living Expense Insurance is basically a contract that reimburses the insured for the increased living expense cost when the loss of his property requires him or her to maintain a residence on a temporary basis somewhere else. Examples would be paying for a motel or hotel, the additional cost of meals.
What is an Ageed Amount Clause?
With an Agreed Amount Clause, the insurer and the insured both agree that the amount of insurance chosen will automatically satisfy the co-insurance clause. This, in effect, eliminates the need of deciding if the amount carried is actually equal to the stated percentage of the actual cash value shown in the co-insurance clause.
What is Appurtenant Structures?
Appurtenant Structures are buildings on the same premises or property as the main building being insured by a Property Insurance Policy. Most Dwelling Property Insurance Policies in most situations cover appurtenant structures.
What is an Automatic Reinstatement Clause?
An Automatic Reinstatement Clause is a provision included in a property insurance contract that declares that if the insured and the insurer can't agree on an appropriate settlement of a claim, then each will have an appraiser appointed, and these appraisers will select a neutral umpire. A decision made by any two of the three determines a settlement and is binding on both parties to it.
What is a Base Premium?
A Base Premium is the charge for the main insurance for the Coverage A (Dwelling amount on the Homeowner's forms) or the Coverage C (Personal Property amount on Renter forms), without any additional coverages
What is Basic Coverage Form?
Basic Coverage Form is any of the personal or commercial lines property forms that provide the basic types of coverages. These forms of insurance generally provide the least coverage, which is much less than special forms and broad forms.
What is Basic Form Rates?
Basic Form Rates are computed by adding Group l and Group ll rates together.
What is a Binder?
A binder is when an agent notifies a client that their insurance is in force. This protects the policyholder for a period of time until their actual insurance policy is issued.
What are Blanket Form Rates?
Blanket Insurance is a form of Property Insurance that covers in one contract, either one, or more than one type of property a many locations, or multiple kinds of property at one location. 
What is Broad Coverage?
Broad Coverage is a named-risk policy that provides coverage for these risks: Fire, Lightning, Removal, Hail, Explosion, Falling Objects, Glass Breakage, Windstorm, Vandalism, Civil Commotion, Theft, Vehicles, Smoke, Collapse of Buildings, Riot, Aircraft, Theft, Weight of Snow and Ice.
What is Broad Form?
Broad Form is normally designates policies that provide insurance for many types of perils in addition to the usual basic perils, or coverage over and above standard types of coverage.
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What is Broad Theft Coverage Endorsement?
This form can be attached to a dwelling policy to provide or offer theft coverage for a named insured, who is an owner occupant.
What is Builder's Risk Coverage Form?
Builders Risk Coverage Form is simply a commercial property coverage form designed specifically for buildings during the time of construction.
What is Building and Personal Property Coverage Form?
Building and Personal Property Coverage Form is a commercial property coverage form designed particularly to insure most kinds of commercial property, such as buildings or contents, or building or both buildings and contents.
It is the commercial property form most often used, and has replaced the General Property Form, Special Personal Property Form, Special Building Form and some others as well.
What is Business Income Coverage Form?
Business Income Coverage Form is a commercial property form that provides insurance coverage for indirect losses as a result from property damage, that occurs from the loss of business income and the additional expenses incurred. It has replaced the earlier Business Interruption and Extra Expense forms.
What is Business Interruption Insurance?
Business Interruption Insurance is a type of coverage that pays for loss of earnings when the operation of the business is suspended due to property loss because of an insured peril.
What is Business Personal Property?
Business personal property is known traditionally as contents. Actually this term refers to fixtures, furniture, machinery, materials and merchandise and any and all other personal property owned by the insured and used in the business of the insured.
What is Casualty Insurance?
Casualty Insurance is a kind of insurance that helps protect your legal responsibility should you damage another person's property or cause an injury to another person.
What is a Comprehensive Glass Insurance Policy?
A Comprehensive Glass Insurance Policy is a policy covering the insured against losses glass breakage from most any peril. Fire, however is covered under any basic property policy so fire is usually excluded. War is also excluded.
What is Condomiminium Commercial Unit Owners coverage?
Condomiminium Commercial Unit Owners coverage is property insurance designed to insure the owner of a commercial or business condominium unit against damage or loss or fixtures, furniture, stock, improvements and alterations which are owned by the insured.
What is Contents Broad Form?
Contents Broad Form is used to cover personal property (movable items belonging to the insured, like clothing, furnishings, dishes, etc.) for 17 named perils. Contents insurance coverage is always part of a homeowners, renters and condominium policy up to the stated limits, but is optional on a fire or dwelling policy.
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What is Condominium Insurance?
Condominium Insurance is the same as an HO6 policy, which covers the owner of a condominium unit for damage within the walls of the unit, as well as liability coverage should someone be injured within the condominium unit. The association usually purchases the insurance for the common areas of the condominium complex.
What is Condominium Association Coverage Form?
Condominium Association Coverage Form is a commercial property form which is designed to cover the needs of the condominium association members, who together own the property jointly. 
What is Crop Insurance?
Crop Insurance provides protection against damage to crops that are growing from such perils as, hail, windstorm, and fire. In the past Crop-hail coverage was the most common coverage sold. Recently premiums for broad multi peril crop insurance are greater than those for the crop-hail business.
What is a Deductible?
A Deductible the amount of covered expenses you are responsible for before the insurance company pays a claim. For example, if you have a $5,500 covered loss and a $500 deductible, you pay the $500 and the insurance carrier pays the remaining $4,000.
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What is Depreciation Insurance?
Depreciation Insurance is depreciation insurance coverage in the event there is a lossj. The depreciation is the difference between the actual cash value of the property insured and the cost of replacement of the property, for comparable size and construction.
What is Earthquake Insurance?
Earthquake insurance is insurance coverage covering the damage caused by an earthquake as clearly defined in the insurance contract.
What is an Easement?
An Easement is an interest in property owned by another person that gives its holder to certain specific uses of the land.
What is Emergency National Flood Insurance?
Emergency National Flood Insurance is the Emergency National Flood Insurance Program, which is one of two National Flood Insurance Programs available to communities. The Emergency National Flood Insurance Program provides flood insurance coverage up until the requirements for the Regular National Flood Insurance Program are met. The actual Amounts of coverage available under this program are $100,000 on the structure and $100,000 on contents for small business, $35,000 on the structure and $10,000 for contents for single family dwellings.
What is an Endorsement?
An Endorsement is an amendment to your policy to cover unique items just for you. An endorsement is also a change made in your policy that during the term of the policy. The endorsement modifies the terms of your insurance contract and is attached to your policy.
What is Excess and Surplus Insurance?
Excess and Surplus Insurance is a policy that provides additional coverage over one or more primary policies. The Excess and Surplus Insurance policy doesn't pay until the amount of the loss is greater than the coverage limits on the primary policy.
What is Fire?
A Fire is considered a combustion which is fast enough to produce a glow or flame. For purposes of Property Insurance, a fire must be hostile. This means it is not in a place where it is intended to be. In their properly contained areas they are called friendly fires and are not covered under most basic Property Insurance policies. 
What is a Floater?
A Floater is a type of insurance policy that applies to movable property, such as a laptop computer. It covers or floats with the property within the limits described in the policy.
What is Flood Insurance?
A Flood Insurance policy covers a general and temporary condition of partial or complete overflowing of normally dry land areas.
A flood can be caused by an excess of inland or tidal waters, the unusual accumulation and runoff of surface waters from any source, abnormal flood-related erosion and undermining of shorelines, or an inundation from mud flows caused by accumulations of water on or under the ground, as long as the mud flow and not a landslide is the cause of the loss.
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What is Guaranteed Replacement?
Guaranteed Replacement is replacement cost on a Dwelling. The insurance coverage guarantees that the insurance company will pay to completely rebuild a dwelling should there be a total loss.
What is Glass Coverage Form?
Glass Coverage is a commercial property form that is used to insure plate glass, frames, ornamentation and lettering.
What is Hail Insurance?
Hail Insurance is simply the insurance against the loss of crops which is caused by hail.
What is a Hazard?
A Hazard is condition that increases either the possibility or the extent of a loss.
What is a Homeowners Policy?
A Homeowners Policy is a combination of personal property and liability coverage that covers the residential and personal risks faced by the majority of families and individuals. 
The policy usually provides coverage for the policyholder's home structures and personal property owned by family members. It may also include coverage for certain kinds of loss of use such as additional living expenses, medical payments coverage and additional coverage for claims expenses, liability coverage and first aid and damage to the property of others.
What is Household Personal Property
Household Personal Property is the term given to household furniture, personal belongings and goods of residents of a farm dwelling. The Farm Property Coverage Form uses the word or term household to keep it separate from coverage from farm property.
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What is an HO?.
HO is a shortened abbreviated name for a homeowners policy.
What is an HO1?
An HO1 is a basic homeowner's insurance policy that covers a home and its contents against 11 different listed perils, which include fire or lightning, windstorm or hail, explosion, aircraft, vehicles, theft, riot or civil commotion, breakage of glass, smoke, vandalism and malicious mischief and volcanic eruption. This type of coverage under an HO1 policy is very limited.
What is an HO2?
An HO2 is a broad home owners policy that covers a home and its contents against 17 different specific perils, including the perils listed or covered under an HO1 policy and some additional perils which include accidental discharge or overflow of water from an appliance or plumbing system; weight of ice, snow or sleet; as freezing of plumbing; damage from falling objects; sudden and accidental tearing apart of systems or appliances; and damage from sudden surges from artificially generated electric current.
What is an HO3?
An HO3 is the type of homeowner's coverage most often purchased. It covers a home and other structures for all perils except those specifically excluded by the policy, such as flood and earthquake. Personal property is covered for damage due to the 17 perils named in an HO2 policy.
What is an HO4?
An HO4 is also called renter's or tenant's insurance. It covers the contents and personal liability of a person renting an apartment or home. The coverage is for the same 17 perils named in the HO2 policy. 
What is an HO5?
An HO5 is a comprehensive homeowner's policy that provides all-risk coverage for the home, personal property, other structures, and loss of use. The HO5 is available in limited situations.
What is an HO6?
An HO6 is a policy provided for condominium owners. The HO6 covers the interior of their condominium unit and includes furnishings, personal liability for accidents within the unit and, depending on the condominium association's insurance coverage, cabinets, fixtures, etc. Usually the insurance for the common areas of a condominium complex is purchased by the condominium association.
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What is an HO7?
An H07 is written specially for Mobile Home Owners.
What is an HO8?
An HO8 is a type of homeowner's insurance usually used for homes that do not qualify for HO1, HO2, HO3 or HO5 coverage because of the home's construction or location. An HO8 policy limits the amount of coverage available for the replacement of the home to an actual-cash-value basis only, and for coverage of the basic risks listed in the policy.
What is Increased Cost of Construction Insurance?
Increased Cost of Construction Insurance is insurance that covers the added cost of reconstructing a destroyed or damaged building where it is required by ordinance to rebuild with more expensive services, materials or techniques.
What is Hurricane Insurance?
Hurricane Insurance is insurance coverage of the physical damage, which is caused by the high wind, waves and flooding brought on by a hurricane. In many places that are condidered hurricane type areas of the country, many insurers exclude wind insurance coverage. These insurer's require insureds to buy wind only insurance coverage from a pool, and also require flood insurance as well.
What is Inflation Guard Coverage?
Inflation Guard Coverage is insurance coverage that provides for automatic increases in the amount of insurance coverage on buildings on a periodic basis in order to keep an appropriate limit to value based on inflation on the replacement cost of building. Normally an endorsement is used to add this insurance coverage to a Homeowners Policy.
What is Insurance to Value?
Insurance to Value means that the amount of insurance that can be written on a property to be insured is equal to its value. People or an insured most usually wants to insure all property to its value.
What is Liability?
Liability is due to someone's negligent acts that cause someone a financial loss.
What is a Loss?
A Loss is a reduction in value of an insured's property which is caused by an insured peril, the amount paid on behalf of an insured under an insurance contract, or the amount sought in a claim.
What is Loss of Use Insurance?
Loss of Use Insurance is insurance coverage to compensate an insured person for the loss of use of his or her property if the property can't be used due to a peril that the policy covers.
What is a Loss Payable Clause?
A Loss Payable Clause is a provision in the Property Insurance contract that gives authorization of payment to a person or persons, other than the insured based on an insurable interest they may have in the property. This clause is sometimes used when there is a loan or lien on the property to be insured. This protects the lender.
What is a Market Value Clause
: A Market Value Clause is a provision that can be used in some Property Insurance forms, which requires an insurer to pay the established market price of damaged or destroyed stock, rather than its cost to the insured, and is normally included in the Standard Fire Policy. This type of coverage is only available to Manufacturers with finished products, and not to wholesales or retailers.
What is Mobile Home Insurance?
Mobile Home Insurance is a policy designed specifically to help mobile home owners, covering the physical damage to the home, personal liability and contents during which time the home is used as a permanent residence. 
Mobile Home Insurance provides comprehensive coverage that protects the investment in Mobile Home, other structures, and personal belongings or contents, against many accidental causes of physical damage.
Mobile Home property is covered unless a peril, is specifically excluded in your policy. Some of the losses that your Mobile Home policy can protect you from are: fire, vandalism, falling objects, burglary or robbery, water damages from pipes that burst, damage by wind and explosions.
What is the National Flood Insurance Program?
The National Flood Insurance Program is a Federal Program that provides flood insurance for fixed property. Under a dual program insurance coverage can be written by the NFIP directly, or also by private insurance carriers whose losses can be reimbursed by the NFIP.
What is a Partial Loss?
A Partial Loss is a loss where the property that is covered by an insurance policy is not totally destroyed.
What is Personal Property?
Personal Property is any property other than real property of an insured. Home owner policies protect the personal property of family members and commercial forms protect many kinds of business personal property of an insured.
What is a Personal Property Floater?
A personal Property Floater is A Broad Form policy covers all personal property worldwide, which includes property at the insured's home. A similar type of coverage is available by an endorsement and part of the Special Homeowners policy form.
What is the Premises?
The Premises is the building that is insured or the insured property. Depending on policy conditions, it may include an area adjacent to it.
What is Property Damage?
The term Property Damage refers to the physical injury to, destruction of, or loss of use of tangible property.
What is Property Insurance?
Property Insurance is insurance of the first party of real and personal property against physical damage or loss.
What is Physical Damage?
Physical Damage is a generic term that indicates what the actual damage to the property is.
What is Rental Value Insurance?
Rental Value Insurance is a type of Property Insurance that indemnifies for the loss of the rental value of property when the tenant or owner is deprived of the sue of the property due to damage by an insured peril.
It also indemnifies for the loss by the owner or landlord of the rent that would have actually been paid by a tenant of the property, based on the lease terms or by statute, when the owner or landlord is relieved of liability for the rent payment during a time when there is no tenant due to an insured peril.
What is Rental Income Insurance?
Rental Income Insurance is a form of property insurance that pays the building owner for his amount of lost rent suffered due to damage from an insured peril. In addition this insurance form also covers the tenant of a building for rent that must be paid, even if the premises can't be occupied.
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What is Replacement Cost Insurance?
Replacement Cost Insurance is insurance coverage for replacing damaged property with new material at the current cost. With Replacement Cost insurance depreciation is not a factor taken into consideration.
What is a Special Building Form?
A Special Building Form is a form which provides all risk insurance coverage on commercial buildings, which is subject to some exclusions.
What is a Special Coverage Form?
A Special Coverage Form is any of the personal or commercial lines property forms that provides coverage on an all risk type basis. These forms do not list covered perils and provide the broadest coverage and include an long list of exclusions. 
What is Special Personal Property Form?
A Special Personal Property Form is a form that provides all-risk personal property contents insurance coverage for commercial risks with some exclusions.
What is a Schedule Policy?
A Schedule Policy is an insurance contract that lists separate locations, separate types of property, or separate insurance coverages with the amounts of insurance that apply to each one.
What is Smoke Damage?
Smoke Damage is damage caused by smoke from a fire as opposed to the damage caused by actual combustion?
What is Smoke Damage Insurance?
Smoker Damage Insurance coverage is property insurance coverage under basic property insurance policies, that protects the insured from any damage caused by smoke from an unfriendly fire, in contrast to damage caused by fire or combustion itself.
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What is Specific Insurance?
Specific Insurance is a policy specifically describing the property that will be covered. This is instead of a policy that covers all property at one or more locations on a blanket basis without having specific definitions.
What is a Specific Rate?
A Specific Rate is a rate that applies to an individual piece of property.
What is a Tenants Policy?
A Tenants Policy is a type of homeowner policy sold to those people who rent out their living quarters.
What is Theft Coverage?
Theft Coverage insurance is a plan that normally covers several limits of theft liability for several types of personal property. This personal property includes money, firearms, and jewelry. These limits can be increased by an endorsement to the policy.
What is Home Property Title Insurance?
Home Property Title Insurance is a specific kind of insurance designed to insure property buyers from any claims that might arise from issues not resolved by the previous titleholder.
What is Umbrella liability?
Umbrella Liability is insurance that broadens protection to insure losses in excess of what is covered by other liability insurance policies. Umbrella insurance coverage may also protect you in many scenarios not covered by typical liability policies.
What is Vandalism and Malicious Mischief Insurance?
Vandalism and Malicious Mischief property insurance relates to Insuring the losses due to vandalism and malicious mischief. This type of insurance coverage is normally offered by an endorsement to a fire insurance policy. Commercial property insurance and basic homeowners forms of insurance include this coverage without any special endorsement.
What is Windstorm Insurance?
Windstorm Insurance is protection against wind of a speed strong enough to damage buildings and structures. Areas of the country subject to hurricanes and tornadoes have the greatest windstorm loss potential. 
What is Windstorm and Hail Coverage?
Windstorm and Hail Coverage is prperty insurance coverage that is normally included together in most of the basic property policies. Windstorm includes hurricanes, tornados, cyclones and other high winds.
In the past, this coverage has been part of the extended coverage endorsement, but now is often included along with and as part of the basic coverages. In many areas where windstorms are quite common, coverage may be excluded, and if available there is an additional premium charged.
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