Sentences with phrase «damage coverage policy»

The combined physical damage coverage policy includes comprehensive coverage also called fire and theft insurance.

Not exact matches

Your home and auto policies already offer some form of liability coverage in the event you're sued for bodily injury or property damage.

Businesses should note that many standard policies don't even cover wind damage from a hurricane or utility disruptions from a storm, so review your policy's fine print to understand your coverage.

Unfortunately, most homeowners policies exclude flood damage coverage.

To have coverage for flood damage related to Mother Nature, you need to have a separate flood insurance policy.

Homeowners insurance doesn't cover flood damage, so if you want coverage you'll have to get a policy through the National Flood Insurance Plan.

In California, school districts are required to obtain insurance against liability for death, personal injury, or property loss or damage.13 Some districts in California also include in their policies specific coverage for after - school hours or for school meal program employees.

While the coverage of the march ended up being marred by the violence, it doesn't mean they didn't damage the government, in fact the two student protests last year that ended in violence also hit government support — though the poll effect is probably more from the reminder of unpopular policies and opposition to them, than the violence itself!

Topics to be discussed include: Court Procedure: An understanding of the civil litigation process in New Jersey as it pertains to negligence claims; Damages: Understanding the standards for, and the differences between Compensatory and Punitive Damages; Facility Maintenance: Identifying potential safety hazards related to facilities and grounds, and taking reasonable steps to address common problems; Indemnification: Identifying when the school district is responsible for the actions of its employees, and when it may disclaim coverage; Insurance Coverage Issues: Understanding what is, and is not covered under a school district's insurance policy, and understanding whether your district will be allowed to choose its attorney or be required to utilize the attorney assigned by the Insurance Company; Negligent Supervision: Examples of school district negligence liability lie within the school, on the athletic field, in the locker room, and on school trips; Sovereign Immunity: Understanding the effect of the New Jersey Torts Claims Act on negligence claims against school districts.

Allstate is discounting by 10 percent each of three coverages that make up an auto policy: bodily injury, property damage and liability, and collision.

However, master policies do not provide coverage for damage that occurs within individual units, even if the damage is the direct result of problems with the building's structure.

Personal property coverage on your Anaheim renters insurance policy makes sure that you can replace your property that's destroyed or damaged by perils named in the policy.

Sometimes, however, the amount of liability coverage offered by your policy is not enough to fully cover both the expenses accrued by the damaged party and your legal defense costs.

Often, the policy comes with a coverage called «damage to property of others» that pays for $ 500 or so of damage you to do things other people own without even going through the liability claim process.

But a fire someone accidentally started that damaged your personal property would allow you to have coverage for that property from your own policy, instead of hoping the other guy has renters insurance in San Bernardino and, just as importantly, has enough renters insurance liability coverage.

In this situation, smoke damage and loss of use would likely have been a covered loss under the personal property coverage on each resident's Texas renters insurance policy.

We gathered quotes from three major carriers for a 45 - year - old rider and a sample insurance policy that included bodily injury protection of $ 100,000 per person / $ 300,000 per accident, and $ 50,000 in property damage coverage.

A typical motorcycle insurance policy includes liability insurance, which pays for any damages you cause to others, but it can also include coverage for your own bike and injuries.

Assuming you have an accurate and correct home inventory and replacement cost coverage on your policy, it's just a matter of filing a claim, having someone review the damage or loss, and going about the matter of replacing your property.

Liability coverage on your policy is what you're looking for if you want to find coverage, of course, so let's presume that the damage was a result of your negligence and further that it's above and beyond normal wear and tear that could be expected by your landlord.

Be sure to check your policy carefully to ensure it does not list tornado damage under coverage exclusions.

However, UM / UIM coverage offered by some insurance policies does not include personal property damage.

Sewer backup and sump pump overflow coverage: Most homeowners insurance policies don't provide coverage for damage caused by sewer backup, but American Family's endorsement serves to protect homeowners against these costly incidents.

Homeowners insurance policies can provide coverage for damage to your home's physical structure (Dwelling coverage); damage to other structures like a garage or shed (Other Structures coverage); your personal belongings — whether in your home or elsewhere (Personal Property coverage); additional living expenses if necessary in the event of a covered loss (Loss of Use coverage); and your personal liability in the event someone is injured or their property is damaged by you or a family member (Liability coverage).

To see who in Wyoming had the best motorcycle insurance rates, we gathered quotes from five major insurance carriers for a sample policy (bodily injury protection of $ 100,000 per person / $ 300,000 per accident and $ 50,000 in property damage coverage) and rider.

Coverage was for a sample policy that had bodily injury protection ($ 100,000 per person / $ 300,000 per accident) and $ 50,000 in property damage coverage.

When it comes to bodily injury and property damage liability coverage, the only major difference between motorcycle and auto insurance is that some motorcycle policies include an additional coverage: guest passenger liability insurance.

Since Frank has renters insurance in Fresno, the policy will pay for the damage to the apartment — that's what liability coverage is for.

Renters insurance policies come with replacement cost coverage on contents, which means you will be able to replace your belongings with like kind and quality if the belongings are damaged in a covered loss.

We gathered quotes for a 45 - year - old male rider in Ohio for a policy that included bodily injury protection ($ 50,000 per person and $ 100,000 per accident) and personal property damage coverage ($ 25,000), as well as $ 500 deductibles for collision and comprehensive coverages.

Whether the driver doesn't have any liability insurance or the cost of your damages was beyond the limits of their policy, this picks up wherever their coverage leaves off.

Furthermore, all Progressive motorcycle insurance policies include $ 3,000 of coverage to pay for damage to custom parts, upgrades and customizations.

This means that if you injure someone negligently or damage their property by accident, you can often get coverage under the personal liability section of your renters insurance policy.

While spiritual creatures from other realms are not a covered peril for personal property, we expect that if a poltergeist somehow forced you to take a specific action which resulted in bodily injury or property damage to another person, you could well have coverage under the liability section of your Erie, PA renters insurance policy.

But once you understand that your liability coverage is designed to pay for bodily injury or property damage that you do to someone else accidentally (i.e., through your negligence), you can then gain a better understanding of what the policy language means to your lifestyle.

Although most weather - related property damage is limited to the structure of the building and is therefore covered by your master policy, you will need the coverage afforded by your condo insurance if damage occurs within your home.

Personal property coverage, also known as «Coverage C» or «contents coverage» on your renters insurance policy protects the things you own from a long list of things that could cause direct physical loss or damage.

It is important that you are aware that, like most home insurance policies, condo insurance does not provide coverage against flood damage.

However, these policies do not provide coverage for damages within your unit.

Finally, remember that no insurance policy will coverage damage from flooding.

Liability coverage on Annapolis renters insurance is there to make sure that if someone is harmed by your actions in the form of bodily injury or property damage, your policy will be able to make them whole from the loss.

Even if you don't directly suffer damage from a volcano, you may still be entitled to use the loss of use coverage on your policy.

There are other types of coverage in your policy — for example, many policies include a small no fault coverage for damage to property of others, generally capped at around $ 500.

Be sure to ask your member agent about ATV policies like comprehensive, bodily injury and property damage liability, and uninsured / underinsured motorists coverage to determine which of these options makes sense for your vehicle and use.

Your liability coverage on renters insurance in Annapolis will not only pay those damages up to the policy limit, but will also negotiate on your behalf with the other insurer and even provide a defense if you're sued for it.

If the other driver's injuries and / or property damage exceed your policy limits, he can file a claim against his own under - insured motorist coverage to pay what your policy will not cover.

The liability coverage on your policy protects you if, through your negligence, you cause property damage or bodily injury to another person.

It protects you in case your auto or homeowners policies don't provide enough coverage to pay for all of the damages against you.

It is important to note that the damage resulting from a car crash may exceed the coverage of a liability policy.

With coverage for fire, smoke damage, and explosion, a Chicago renters insurance policy is exactly what you need in the event of a catastrophe.