Understand Loss of Use Insurance, which covers the loss of use of a property due to an insured peril. Learn how it protects you in case your property becomes uninhabitable.
Discover what an apportionment clause in property insurance entails, and learn how it impacts the division of claims among multiple insurance policies.
Learn about Group II rates in property insurance, replacing Extended Coverage Rates under the newest commercial lines program. This includes rates for hail, riots, and vehicles.
Discover how the limit of liability rule in property insurance helps apportion loss among multiple insurers covering the same property, ensuring fair and equitable distribution.
Learn about parcel post insurance, a property insurance coverage for items or parcels under the care of the United States Postal Service. Understand how it protects against damage or loss.
Learn about the divisible contract clause in property insurance and understand how coverage remains unaffected when policy conditions are violated at different locations.
Learn about how riots are defined and covered under property insurance policies, and the state-specific variations in defining a riot.
Understand data processing coverage in property insurance, including protection against data processing system failures and restoration costs.
Learn about registered mail insurance in property insurance, which covers money and securities against loss by the post office when sent by registered mail.
Learn about trip transit insurance in property insurance, which provides coverage for property being transported during a specific trip by a designated mode of transport.
Learn about specific insurance policies, which provide coverage for a single property. Explore scenarios where specific insurance is primary when a blanket policy is also in place.
Learn about yacht insurance, a type of property insurance that provides coverage for pleasure boats against collision, hull damage, and liability indemnity.
Understand the Motor Truck Cargo Policy-Owners Form, which offers truck owners coverage against the loss of their property during transportation, including cargo loss or damage.
Learn about line cards in property insurance, including what they are and their role in keeping a record of property insurance sold to an insured.
Learn about automatic coverage in general insurance, which provides automatic protection for newly purchased property or property that appreciates in value.
Explore the concept of block limits in property insurance, understanding the maximum amount an insurance company will write on a specific city block and its impacts.
Understand how the Change in Occupancy or Use Clause in property insurance affects your premiums and coverage. Learn the implications of increased risk due to changes in property use.
Discover how the livestock coverage form in property insurance protects farm animals. Learn about the specifics of this commercial form often attached to farm coverage.
Learn about open policy in property insurance including its definition, how it's used for goods in transit, and the benefits it offers. Understand the specifics of liability limits and premium payments.
Learn about Manufacturers Output Policy—a comprehensive insurance cover for a manufacturer’s personal property while it is away from the premises. Get insights into how this unique insurance policy works and its significance in providing protection against various perils during off-site processing.
Learn about mobile home policy, a type of homeowners insurance specifically designed for mobile homes in permanently fixed locations.
Learn about nonconcurrency in property insurance, a situation where multiple policies covering the same property do not provide the same amount of coverage. Understand the risks and implications of being underinsured.
Learn about Equipment Breakdown Insurance, a commercial insurance that covers any loss caused by the breakdown of machinery or other equipment. Essential for businesses relying on critical equipment to operate efficiently.
Learn about smoke damage in property insurance, how it's distinct from fire damage, and what insurers typically cover.
Learn about the appraisal clause in property insurance, which allows either the insured or the insurer to have an appraisal determine the value of a loss.
Understand the Watchman Warranty Clause in property insurance, which offers reduced rates for policies when a watchman is on duty.
Understand the Wedding Presents Floater, a temporary form of property insurance that provides coverage for wedding presents for a set period of time, ensuring your gifts are protected.
Learn about the Special Personal Property Form, a former insurance policy that covered commercial risks contents against all perils, now mostly replaced by the Building and Personal Property Coverage Form.
Learn about the role of an umpire in property insurance, a crucial figure in helping claimants and insurers agree on the amount of loss. Understand the process and legal implications.
Explore earthquake insurance, an essential component of property insurance that covers losses and damages caused by earthquakes. Learn why it is crucial for homeowners in seismic zones.
Learn the definition and implications of indirect or consequential loss in property insurance, including real-world examples like loss of income from an accident-damaged taxi.
Discover the ins and outs of Warehouse to Warehouse Coverage, a key stipulation in marine coverage forms that protects your goods from the shipper's warehouse to the consignee’s warehouse.
Discover how leasehold interest coverage form in property insurance protects commercial property leaseholders against financial losses from property damage due to specified perils.
Learn about Jewelry Floaters in Property Insurance, a policy that fully covers specified jewelry against all risks, ensuring peace of mind.
Learn how maps are used in property insurance to locate geographical risks, assess their character, and track policy distribution to prevent catastrophic losses.
Learn about Motor Truck Cargo Policy - Carriers Form, which grants indemnity to truckers for loss or damage to the property they are transporting. Understand the importance of this mandatory coverage.
Learn about the definition of fire in property insurance, including what constitutes a hostile fire and how it impacts coverage.
