Sentences with phrase «by separate insurance policies»

Those perils are covered by separate insurance policies: flood insurance and earthquake insurance, respectively.

Not exact matches

But a policyholder who operates a daycare out of their home will likely be required by their homeowners insurance company to purchase an endorsement or a separate commercial policy.

«Industrial operations» are generally excluded, but it's possible that even if the fire itself isn't covered under the responsible party's policy — perhaps the fire was caused by an illegal methamphetamine lab, and the criminal acts exclusion applied — but your damage in a separate home or apartment from the smoke caused by the fire may still be covered under your own renters insurance policy.

The only way to insure your home against flood damage is by purchasing a separate policy since your homeowners or renters insurance will not be enough.

Water - caused by plumbing failure, appliance failure, fire sprinklers or other accidental discharges of water (You can purchase flood insurance as a separate rider to your renters insurance policy.)

Just as you shouldn't assume that a vacation home you own is covered by your homeowners insurance policy on your primary residence, it's important to know that a recreational vehicle usually requires coverage separate from your traditional automobile insurance.

Because condo insurance typically doesn't cover flood damage (homeowners insurance doesn't either, by the way), you'll need a separate policy for protection against flood waters.

To mitigate potential financial losses from damage caused by sinkholes, insurance companies offer endorsements and separate policies to cover sinkholes.

It's worth asking your renters insurance expert if you can save by adding an auto policy, or a separate policy for a particularly expensive piece of jewelry.

Still, renters should think about purchasing an endorsement or getting a separate policy to cover sinkholes — they are not covered by renters insurance.

You can avoid this financial risk by raising the liability coverage on your Texas car insurance or by purchasing a separate umbrella insurance policy.

If the bicyclist is simply riding recreationally, our Manhattan, Stamford and White Plains bicycle accident lawyers will typically go through the necessary steps to have the offending car driver's insurance policy pay for all up - front medical bills to the bicyclist, separate and apart from any subsequent substantial claim for pain and suffering or lost earnings suffered by the bicyclist.

Flood damage is not covered by renters insurance and anyone who needs that coverage must purchase a separate policy.

By having a separate mortgage protection life insurance policy, and a separate mortgage protection disability policy, it makes it easier to make changes or cancel a policy in the future.

Still, renters should think about purchasing an endorsement or getting a separate policy to cover sinkholes — they are not covered by renters insurance.

The actual life insurance is really covered by Efinancial, a separate company that Progressive works with to offer different types of life insurance policies.

It's a separate type of policy, and most of the underwriting risk on flood insurance is taken by a Federal program.

By having two separate policies, a family can better manage their budget when less life insurance is required (by canceling an unneeded policyBy having two separate policies, a family can better manage their budget when less life insurance is required (by canceling an unneeded policyby canceling an unneeded policy).

In some cases, homeowners insurance policies will cover damages caused by heavy winds, but in many states where wind damage is common, insurance companies may require homeowners to purchase a separate windstorm insurance rider to provide coverage for damages.

Water backup endorsement to the homeowner's policy, flood insurance completely separate policy but you wan na make sure that if you feel like you could be impacted by a flood or water - related issues that you're speaking to your insurance agent about this very important and your insurance agent will help you determine which policy and which endorsements are right for you.

You can make an inventory of all your priced possessions in your home and cover them by purchasing separate coverage, something that your home insurance policy does not offer when flood occurs.

You will also want to decide whether you're going to separate your insurance needs and use different companies or whether you would prefer all of your policies to be handled by one company.

Make an inventory of all your priced possessions and cover them by purchasing separate coverage something which your home insurance policy does not offer.

If not potected by director's and officer's Liability Insurance, it is recommended to purchase a separate Professional Liability Insurance policy.

Sometimes called second - to - die insurance, survivorship life is often purchased by married couples or other pairs of people with insurable interest in each other, and it's generally more affordable than two separate policies.

«Can a Car Have Two Separate Insurance Policies by Two Different People?»

Furthermore, if a claimant is an insured under the underinsured motorist coverage on separate or additional policies, the limit of underinsured motorist coverage applicable to the claimant is the difference between the amount paid to the claimant under the exhausted liability policy or policies and the total limits of the claimant's underinsured motorist coverages as determined by combining the highest limit available under each policy; provided that this sentence shall apply only to insurance on nonfleet private passenger motor vehicles as described in G.S. 58-40-15 (9) and (10).

Water - caused by plumbing failure, appliance failure, fire sprinklers or other accidental discharges of water (You can purchase flood insurance as a separate rider to your renters insurance policy.)

Separate Account When investing in an insurance policy such as life insurance plan, separate account is one of the ways that investments are handled by aSeparate Account When investing in an insurance policy such as life insurance plan, separate account is one of the ways that investments are handled by aseparate account is one of the ways that investments are handled by advisers.

Non-owners» insurance is a secondary type of insurance on a vehicle, in which a driver who does not own the vehicle is covered by a separate policy if the primary policy on the vehicle does not cover him.

Damage due to an earthquake is not covered by standard home insurance, but you can purchase a separate policy for protection — especially important in quake - prone regions.

For instance separating a teenage child's insurance policy may increase the cost for that specific policy, but that price increase may be more than offset by savings on other policies (for instance a bundled policy package that the parent carries).

You could have the policy owned by a life insurance trust, therefore separating the $ 1 million death benefit proceeds from your estate.

Because condo insurance typically doesn't cover flood damage (homeowners insurance doesn't either, by the way), you'll need a separate policy for protection against flood waters.

That's not typically covered by a homeowners» or renters» policy without an «endorsement» (an amendment to your policy that extends coverage beyond the usual itemized terms) or a separate business insurance policy.

To protect your home or business, you will need a separate flood insurance policy to cover any damage caused by flooding.

The endorsement will be detailed on a separate page to the policy documents and must be signed by an authorized representative of the insurance company to be valid.

EDP insurance can be written by itself, or added to a property or package policy via a separate form or endorsement.

By comparing rates, you'll be able to see if it's cheaper to add your teenager to your existing car insurance policy, or to have them get their own separate policy.

«Industrial operations» are generally excluded, but it's possible that even if the fire itself isn't covered under the responsible party's policy — perhaps the fire was caused by an illegal methamphetamine lab, and the criminal acts exclusion applied — but your damage in a separate home or apartment from the smoke caused by the fire may still be covered under your own renters insurance policy.

There is no separate co-payment for pharmacy, you pay for the medicine in full and the insurance company will process it as per the policy terms when the claim is submitted by you.

Typically, floods caused by weather catastrophes aren't covered by standard homeowners insurance policies, which is why it's smart to consider purchasing separate flood insurance.

Just as you shouldn't assume that a vacation home you own is covered by your homeowners insurance policy on your primary residence, it's important to know that a recreational vehicle usually requires coverage separate from your traditional automobile insurance.

Most homeowner, condo and rental insurance policies do not cover damage caused by an earthquake, but coverage can be purchased as an endorsement or a separate policy.

It may, but have your independent agent look at separating the policies — the discount you may have gotten for keeping them together may be outweighed by the lower price another company might have for your car insurance.

Typically, water that comes from the bottom up — such as an overflowing river — is covered by a separate flood insurance policy, which can be purchased from the federal government's National Flood Insurance Program (NFIP), and from some private insurance policy, which can be purchased from the federal government's National Flood Insurance Program (NFIP), and from some private Insurance Program (NFIP), and from some private insurers.

Coverage can be obtained by buying a separate flood insurance policy.

You can still protect your home against either event by purchasing flood insurance through FEMA and either a separate policy or endorsement for earthquakes.

You may choose pure death coverage by buying a term policy and investing funds on the side in a separate savings account rather than pay the fees associated with whole life insurance.

If your home is subject to natural disasters not covered by your standard policy, such as earthquakes or hurricanes, then you should talk to your insurance agent about filling the gap with separate policies, typically sponsored by state government agencies.