Across
- 2. Losses sustained by water damage specifically due to flooding.
- 4. injury coverage, personal injury claims not included in the Homeowners’ Policy
- 5. conditions that leave a homeowner open to risk
- 6. conditions, rights and/or obligations given to or required of both the “insured” and the insurance company.
- 8. the state of being liable or obligated.
- 10. premises, on the premises where you live or business is conducted
- 12. the scattered pieces of waste or remains after a storm or other peril
- 14. vice, a legal term for instability in the physical makeup of a substance that will weaken it over time
- 17. the state of being subject to loss because of some hazard or contingency
- 18. events that may damage your home or belongings; often used interchangeably with the phrases “causes of loss” and “direct physical loss”
- 19. smudging, a process that farmers use to keep frost off fragile crops by using warm oil smoke piped throughout the crop
- 22. named peril coverage, insures a very limited number of perils
- 25. as it is used in a policy, refers to the insurance carrier’s assumption of another’s legal right to collect a debt or damages.
- 27. or Umbrella Policy, provides coverage for the same losses covered by the underlying policy, as well as coverage for some losses not covered by the underlying policy.
- 28. Earthquake damage to your home, belongings, and buildings on your property.
- 30. perils, causes of loss that are specifically listed or named in the policy
Down
- 1. a house’s structure, including garages, decks, or porches attached to that structure
- 3. the type and number of people who live in a residence
- 6. discharge, dispersal, seepage, release, or escape of any solid, liquid, gaseous, or thermal irritant or contaminant
- 7. Boats and personal watercraft.
- 9. (Insurance Service Office), an independent organization that provides standardized insurance policies and forms; it also supplies rules and information on how to use these legal forms
- 11. a review process before being approved for an offer of coverage
- 13. Personal Liability Policy, provides coverage only for the same losses covered by the underlying policy.
- 15. Vehicles, All terrain vehicles, dune buggies, golf carts, mini-bikes, motor homes, motorcycles, recreational vehicle trailers, snowmobiles, trail-bikes, off-road vehicles, antique and classic autos, and various watercraft including jet skis.
- 16. the abrupt falling down or caving in of a building or part of a building as a result of one or more named perils
- 20. the issuer of the policy and the one who charges the premium and pays for losses and claims covered under the policy
- 21. risk, a risk the insurance company is willing to provide coverage for
- 22. named peril coverage, insures an extensive list of perils
- 23. or Combination, Policy: may provide the broader coverage of a personal umbrella policy for some exposures not covered on underlying policies, but unlike an excess liability policy, could also contain narrower provisions.
- 24. Tornado damage to your home, belongings, and buildings on your property.
- 26. Wildfire damage to your home, belongings, and buildings on your property
- 29. peril, any peril is insured unless specifically excluded