Sentences with phrase «coverage as a separate policy»

And you can add earthquake coverage as a separate policy or endorsement to your policy, according to the III.

Not exact matches

It's less expensive than buying separate policies, and insurers usually throw in other coverage, such as business interruption (see below), for a nominal cost.

Then get it insured, either as part of your homeowners or renters coverage (you may need a separate rider) or a separate policy.

Though these can only be purchased as separate policies, guaranteed universal life insurance has little to no cash value, so it's considerably less expensive for permanent coverage than whole life 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.

So, the only way to get overlapping coverage is to purchase separate policies as Jon suggests.

The liability coverage may well be legally required; it may also be required as a base layer if you want to get a separate umbrella policy up to millions in liability.

New York and Texas Residents: CDI coverage, except when purchased as a separate policy, is not available to NY and TX residents.

Trailer insurance, whether included as part of your car, truck, boat, or ATV policy or purchased as a separate rider, will offer a few different types of coverage options.

This is not an ideal situation to be in if you have children as each one of you should have coverage, and with separate policies you will both have you own coverage that doesn't stop if one of you passes.

The letter is not a denial of coverage — that would be a separate letter citing specific sections of the policy as the reason for the denial.

In addition, you may have certain high value items, such as jewelry, collectibles or fine art that may require a separate fire insurance policy, as their value can exceed coverage limits.

In some policies it is offered as a separate coverage.

Travelers can receive travel delay coverage as part of three separate benefits available within a policy.

Commercial property coverage can be provided as a separate policy or in combination with other coverages, such as general liability, under a package policy.

Some coverages such as sewer backup and wind / hail damage may have been added as separate items on your policy.

Our usual advice is to get two separate term life insurance policies, as that's typically the easiest way to ensure the lowest overall cost for the coverage you'll receive, but the most important thing is making sure that both you and your spouse are covered in case of a worst - case scenario.

Floater - A separate policy available to cover the value of goods beyond the coverage of a standard renters insurance policy including movable property such as jewelry or sports equipment.

However, hazards such as regional flooding are typically excluded, and require a separate policy in order to gain coverage.

Under the proposed rule, the cost of pediatric dental coverage would be included in premium subsidy calculations, even if the dental coverage is sold through the exchange as a separate policy, rather than an embedded part of the health plan.

Flood coverage is also available to renters as a separate policy.

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).

Some will enable you to purchase this coverage through an additional endorsement, but others will require you to purchase this coverage as a completely separate policy.

Events occurring under these types can only be covered under your renters property insurance if you have special coverage for them either as an endorsement on your coverage or in a separate policy altogether.

Trailer insurance, whether included as part of your auto, business, ATV, boat or other insurance policy or purchased as a separate policy, will typically include a few different types of coverage options.

Actual coverage is subject to the language of the policies as issued by each separate company.

Trailer insurance, whether it is included as part of your auto, ATV, boat or business insurance policy or purchased as an entirely separate policy, will probably include a few different coverage options, including these:

Some times the use of an illness coverage may be referred to as a «pre-existing condition» when its applicable for a separate temporary policy.

Liability — A boat policy offers separate liability provisions from what applies to your home, as well as higher limits and other coverage options such as water sports participation.

If the trailer is not covered, you can add it as an optional coverage or buy a separate Ohio trailer insurance policy.

Sometimes, your RV can be added as a vehicle to your existing auto policy, but other times your insurance company will require separate coverage.

You may not need to purchase a separate policy, as you can usually include trailer coverage as an option with your auto insurance policy.

Acts of terrorism are typically excluded under most homeowners policies and have to be purchased as separate coverage.

Below are just a few of the optional coverages that you may be able to purchase either as add - ons to an Allstate policy or as a separate 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.

Earthquakes are excluded from standard homeowners and renters policies, but coverage can be purchased as a separate policy or an endorsement.

Flood coverage is available, however, as a separate policy from FEMA's National Flood Insurance Program (NFIP) and a few private insurers.

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.

Though these can only be purchased as separate policies, guaranteed universal life insurance has little to no cash value, so it's considerably less expensive for permanent coverage than whole life insurance.

Typical auto insurance policies include separate limits for different types of coverage, such as liability, uninsured / underinsured motorists and medical payments.

A lot of these coverage options may be included with a basic policy, but some insurance providers may require you to purchase some options as separate endorsements.

You may be able to add renters earthquake coverage as a rider to your policy if you live in an affected area, or you may have to purchase a separate catastrophic insurance policy.

You may need to add medical payments coverage as a separate endorsement on the policy.

Most companies provide renters insurance rates to handle these occurrences in separate policies or as riders to the main policy however coverage can be added if you live in a flood plain or earthquake state such as California Once you've decided on the renters insurance company who will provide the policy for you, it is important to determine which type of replacement calculation you will purchase with the policy.

Many people think it includes collision coverage as well, although in reality collision insurance requires a whole separate auto insurance policy.

Below are just a few of the optional coverages West Virginia insurance companies offer that you may be able to purchase either as add - ons to your current landlord insurance policy or as a separate policy.

Some boat trailers can be covered as a special rider attached to a vehicle or homeowners» policy, but because these items are so specialized in terms of how they're used, it is often a good idea to get separate trailer coverage.

Some states require motorcycle owners to purchase a separate liability policy to provide injury protection for their passengers.This is known as guest passenger liability coverage and helps pay for medical expenses or death to a passenger on your bike.

While New York trailer insurance coverage is similar to what you'll find with a regular auto policy in terms of the coverages (liability for personal injury or property damage, comprehensive and collision, etc.), the cost of this insurance as a separate policy or a rider on your current auto policy can be quite affordable.

You may also be able to find special coverage for events like wildfires, earthquakes, and sinkholes, as separate riders on your policy.