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Loss Ratio — The ratio of incurred losses and loss-adjustment expenses to net premiums earned. Limits of Liability — The amount specified in the policy up to which the insurance company will provide protection. Coverage — The scope of protection provided under an insurance policy. Homeowners Insurance — Protects homeowners from losses to their homes, personal property, and some types of damage or injury to others for which the homeowner is liable. Deductible — Amount of loss that the insured pays before the insurance kicks in. Nonstandard Auto High-Risk Auto or Substandard Auto — Insurance for motorists who have poor driving records or have been canceled or refused insurance. Waiting Period - See Elimination Period. Guaranteed Renewable — A provision in many insurance products that guarantees the policy owner the right to renew coverage at every policy anniversary date. Nicht vorhanden Schnelles Spiel: Life Insurance — Policy taken out by the insured to pay the beneficiary a certain amount upon the insured's death. Tenants Insurance — See Renters Insurance. Motorcycle Insurance — A policy that provides protection from losses resulting from owning and operating a motorcycle. Casualty Insurance — A type of insurance that is primarily concerned with losses caused by injuries to persons and legal liability imposed upon the insured for such injury or for damage to property of others.
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