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We get it. Insurance can be confusing. That’s why we created this insurance translator for all the complicated legal jargon.
An estimation of how much it will cost to replace or repair something damaged or stolen minus depreciation (the decrease in value over time).
A person who has an insurable interest in your home and who is entitled to coverage under your insurance policy. In some cases, an additional insured may be an entity. Usually the insurer will have specific guidelines to address adding an additional insured to your policy.
A person added to your insurance policy that only receives notification of coverage in effect (e.g. cancellation notice, nonrenewal notice, etc.). An additional interest does not have an insurable interest in your property and is not entitled to collect a claim payout in the event of a covered loss.
Someone who investigates claims to determine how much your insurance company should pay you for damages/losses to your property.
UPCIC appointed insurance agent who sells, services, or negotiates insurance policies independently on behalf of our company.
The scope of protection provided under an insurance contract/policy.
This is a summary of your insurance policy, and includes key information such as coverage amounts, deductible, named insureds, agent information, etc. Remember, that this is only a summary of your policy. It is in your best interest to review your policy carefully to determine actual coverages and policy provisions.
The dollar amount that must be exceeded before your insurer will pay for a covered loss. The deductible may be reflected as a flat dollar amount or a percentage of one of the Section I coverages. This amount will not be included in any claim payment you may receive. Depending on the state, deductibles may be separated by perils such as hurricane, wind, sinkhole, all other perils, all perils, etc.