Sentences with phrase «damage of a standard policy»

You will want to talk with your Overland Park renters insurance agent to make sure you have this type of protection as water and weather damage of a standard policy will not help you replace your property.

Not exact matches

Finance Minister Paul Martin's policies did more damage to the social policy infrastructure and the standard of living of Canadians than anything Mulroney did.

Excess liability protection is usually in the form of combined single limits, which doesn't set aside a set amount for bodily injury or property damage that the standard auto policy does.

Labour's shadow education secretary Tristram Hunt has said that the Free School policy is «damaging standards» and that there was a «lack of oversight».

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.

Excess liability protection is usually in the form of combined single limits, which doesn't set aside a set amount for bodily injury or property damage that the standard auto policy does.

Your insurer pays the maximum out under your standard policy for $ 15,000 in bodily injury liability for the driver, $ 10,000 for the passenger's medical expenses, and $ 5,000 under the property damage portion of your policy.

While damage from burst pipes is a covered cause of loss under the standard policy form, an earthquake is excluded.

A standard motorcycle insurance policy will cover some portion of the costs associated with damage to your bike.

The Standard Policy from CURE allows you to customize different levels of limits and deductibles on Bodily Injury Liability, Personal Injury Protection, Physical Damage Coverages, Collision or Comprehensive (Other - than - collision) Coverage, Towing & Labor Coverage, Extended Transportation Coverage, etc..

CSE Insurance's auto insurance policies have the standard breadth of bodily injury liability, property damage, and personal injury protection.

In this scenario, your standard homeowners insurance policy will cover the costs associated with the damage and an agent can help you start the process of filing a water damage insurance claim.

Coverage for other kinds of damage that may result from earthquakes, such as fire and water damage due to burst gas and water pipes, is provided by standard home and business insurance policies.

A standard homeowner's policy covers damages caused by wind to the structure of your home.

A standard homeowner's policy covers damages caused by hail for the structure of your home.

Dwelling coverage is the part of a standard home insurance policy that typically pays when your home is damaged by hail, wind, fire, and other covered perils.

You'll find it on the list of covered perils on the standard policy form, which means that even though it was an apartment office fire, your renters insurance will cover the cost of the damages.

That means that physical loss or damage to the insured item is paid unless it's otherwise excluded from the policy, rather than the named perils of a standard HO - 4 renters insurance policy.

Loss of Use (or Coverage D) is the portion of a standard home insurance policy that protects you in the event that your home is destroyed or damaged by a covered peril and you must seek other living arrangements while repairs are made.

Standard homeowners policies cover a wide range of potential disasters, from tornadoes to lightning strikes to winter storm damage.

«Total replacement» policies have a lower risk of underinsurance because the insurer agrees to either rebuild your building to the standard it was in before it was damaged or destroyed, or pay you the assessed cost to rebuild.

Flood damage is not covered by a standard insurance policy As previously mentioned, water damage caused by sources inside of the home, or on the property, are covered by your home insurance policy.

This video exposes the gross hypocrisy of the Green movement and the damage their policies are causing to the environment and peoples standard of living - their are effectively anti-people and dangerous...

• Make environmentally - friendly policies for the Games in the areas of procurement and construction binding • Apply water saving technologies across the city • [Pursue a zero - waste policy instead of building] more landfill sites and incinerators • Introduce an internationally recognizable timber procurement policy, such as the Forest Stewardship Council (FSC) standard, for the construction material used during the Games • Eradicate climate - damaging HFC technology in some Olympic facilities • Make environmental data and certification of Olympic venues fully transparent.

Unfortunately, most standard homeowners» insurance policies will not protect against all of the damages caused by a hurricane.

Any such policy that permits destruction within much less than ten years after an event probably fails to take reasonable account of the standard six year limitation period under the Limitations Act for actions in tort or contract, plus some period to allow for a discoverability period, which allows for discovery of the damage and those responsible prior to the commencement of the limitation period.

Law firms should adopt social media policies to ensure that lawyers are informed of the standards of use of social media and to avoid damaging firm's reputation through inappropriate use of the platforms.

While motorcycle insurance is customizable, the standard policy usually covers a portion of the cost to repair or replace your motorcycle if it was damaged as a result of an accident.

Standard car insurance policies cover a couple of primary liabilities, which include personal injury coverage and property damage coverage.

A standard policy includes the same bodily injury and property damage as well as $ 15,000 per person up to $ 30,000 per accident of uninsured / under insured motorist bodily injury as well as $ 5,000 of uninsured motorist property damage and $ 15,000 of personal injury protection.

While most people think of renters insurance as a mechanism for replacing lost or damaged possessions, a standard policy also includes liability coverage.

Some coverage is included in a standard home policy like an HO - 3; other sources of damage might not be covered unless you add an endorsement to your policy.

In most areas of the country, standard home insurance policies cover damage from wind.

The normal / standard basic policy for Kansas renters insurance will cover your personal property against most incidents of weather damage, water damage, electrical damage, hail, falling objects, fire, glass, snow, ice, vandalism, theft, riots, windstorms, lightening and even explosions.

Your Fort Worth Renters Insurance policy will protect you from liability for bodily injury or property damage done to someone else, and will also protect your personal property from the same list of covered perils that a standard homeowners policy would.

Massachusetts Supreme Judicial Court has recently upheld the long standing exclusion the standard automobile insurance policy has that excludes optional coverage when a vehicle being used as «livery or public convenience» In addition, the Massachusetts Department of Insurance has also recently approved another endorsement being used by auto insurers in the state, that further addresses car - sharing, saying in part «We will not pay any claim for injury or property damage under the policy while your auto is being used in a personal vehicle sharing program....»

Water damage caused by appliance malfunctions are typically covered under a standard homeowner's policy, provided there is some evidence of damage to the unit.

If you buy a standard travel insurance policy, you may be covered for medical expenses, travel cancellation or curtailment, emergency medical rescue, and loss and damage of baggage.

Flood and fire damage — this is not always a standard part of the insurance coverage in auto insurance policies and you may want to check to see if this is included in your policy

The liability coverage in your standard homeowners policy pays both for the cost of defending you and for any damages a court rules you must pay.

Coverage for other kinds of damage that may result from earthquakes, such as fire and water damage due to burst gas and water pipes, is provided by standard home and business insurance policies.

Under the first, the optional system, insurers extend their standard policy to include supplemental coverage for flood damage on payment of additional premium.

Damage to personal property in the building caused by the weight of ice, snow, or sleet is not covered by standard ISO HO3, HO4, or HO6 policies.

Commercial liability insurance is a standard commercial general liability policy (also known as comprehensive general liability insurance) that provides insurance coverage for lawsuits arising from injury to employees and public, property damage caused by an employee and injuries suffered by the negligent action of employees.

Loss or damage to bicycles in the open are not covered and the standard policy excess amount of $ 250 applies to every claim.

Most standard policies will not cover any accessories or options that may be included on your vehicle and most of these policies do not cover tires or body damage.

Standard homeowners policies cover a wide range of potential disasters, from tornadoes to lightning strikes to winter storm damage.

Also of note, in California it is required by law that standard home insurance policies cover fire damage resulting from an earthquake

«Unfortunately, a lot of folks may be under the impression that their standard homeowners policy might cover flood damage,» Hackett says.

A standard policy includes the same bodily injury and property damage as well as $ 15,000 per person up to $ 30,000 per accident of uninsured / underinsured motorist bodily injury as well as $ 5,000 of uninsured motorist property damage and $ 15,000 of personal injury protection.