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Actual cash value: How much an item is valued at the time of the loss or theft.Additional living expense coverage: Pays for some associated with having to live somewhere while your home is repaired, for instance motel expenses.
Appraisal: When someone evaluates your property and gives an estimated value of the asset.
Claim: A request for reimbursement for a loss covered under the policy.
Deductible: The amount of the expenses you have to pay yourself for a claim or accident.
Guaranteed replacement cost coverage: Pays for the full cost to replace or rebuild your home, even if it costs more than your policy limits.
Inflation guard coverage: An automatic raise in your coverage limits each year based on the insurance company's estimate of the rise in building material and labor prices.
Liability coverage: Insurance that covers for injuries to another or damage to another person's property for which you are liable.
Market value: Is the price paid for your house.
Personal property floater: An option that provides additional coverage for valuables such as furs, jewelry, antiques, computers, guns, and other items that exceed the normal low limits in your home policy.
Premium: The amount of money paid for your insurance policy.
Replacement cost coverage: This coverage will replace a stolen or damaged item with a comparable, new item at today's prices.
Replacement cost guarantee: Pays the full cost to repair or replace your dwelling or personal property, even if it exceeds the original cost.
Settlement: The dollar amount you and the insurance company agree to as payment for your loss.