{"id":435,"date":"2019-03-01T00:37:51","date_gmt":"2019-03-01T05:37:51","guid":{"rendered":"http:\/\/www.policyadvocate.com\/?p=435"},"modified":"2019-03-01T00:37:51","modified_gmt":"2019-03-01T05:37:51","slug":"key-insurance-terms-every-policyholder-should-know","status":"publish","type":"post","link":"https:\/\/fire.h50.us\/~morganpolicy\/blog\/key-insurance-terms-every-policyholder-should-know\/","title":{"rendered":"Key Insurance Terms Every Policyholder Should Know"},"content":{"rendered":"<p>Whether you have a homeowners policy or an automobile\u00a0<a href=\"https:\/\/www.policyadvocate.com\/insurance-claim-cases\/\">insurance<\/a>\u00a0policy, it is important to understand the nature and extent of your coverage. To truly understand your rights and obligations under an insurance policy, it is essential to familiarize yourself from some important terms that are used in the insurance industry and in your policy. This blog goes over some of the most important terms every policyholder should know.<\/p>\n<h3>Bodily Injury<\/h3>\n<p>Most homeowners policies define \u201cbodily injury\u201d to mean bodily harm, sickness or disease, including required care, loss of services and death that results from a covered \u201coccurrence.\u201d Bodily injury is typically limited to physical harms and not pure emotional harms accompanied by physical manifestations.<\/p>\n<h3>Business<\/h3>\n<p>Commercial policies are specifically designed to cover losses that result from business operations. As a result, homeowners and private automobile insurance policies will exclude losses that arise from an insured\u2019s business pursuits. A \u201cbusiness\u201d is defined to include a person\u2019s \u201ctrade, profession or occupation.\u201d<\/p>\n<h3>Endorsements<\/h3>\n<p>An endorsement is a change made to the provisions of an insurance policy. Sometimes an endorsement will modify a material part of the insurance contract at the policyholder\u2019s request, depending on their specific needs. Other endorsements are generally applicable to the standard policy issued by the insurance company.<\/p>\n<h3>Household Resident<\/h3>\n<p>Standard homeowners insurance policies define \u201cinsured\u201d to include residents of the named insured\u2019s household. Florida courts will determine whether a person qualifies as a household resident of the insured on a case by case basis. In general, a household resident lives with the insured and has some close ties of kinship with them.<\/p>\n<h3>Indemnity\/Indemnify<\/h3>\n<p>Indemnity refers to the act of paying someone else for their liability to another person. Under the personal liability coverage section of a homeowner\u2019s policy, the insurance carrier agrees to pay for or reimburse an insured for damages they are liable to pay a third party for bodily injury or property damage.<\/p>\n<h3>Insured<\/h3>\n<p>An insured means anyone who the insurance policy covers. Many homeowners policies define \u201cinsured\u201d to include the insured\u2019s relatives, dependents, and other household residents.<\/p>\n<h3>Insured Location<\/h3>\n<p>Under a standard homeowners policy, an \u201cinsured location\u201d typically includes the property where the named insured resides, including the family dwelling and other structures, buildings or grounds in close proximity to the dwelling.<\/p>\n<h3>Liability Limits<\/h3>\n<p>An insurance policy will cover losses up until a certain amount. The maximum amount an insurance provider will cover is called its limits of liability \u2013 meaning, the insurance company\u2019s liability to cover certain losses is limited to the amount designated in the policy.<\/p>\n<h3>Occurrence<\/h3>\n<p>Homeowners typically cover losses that result from a covered \u201coccurrence.\u201d Policies define an \u201coccurrence\u201d to mean \u201can accident, including continuous or repeated exposure to substantially the same general harmful conditions which results in bodily injury or property damage.\u201d The key concept of what constitutes an \u201coccurrence\u201d is that it is accidental in nature. Thus any bodily injury or property damage that results from an insured\u2019s intentional conduct.<\/p>\n<h3>Peril<\/h3>\n<p>A peril refers to a specific cause of loss or damage to the insured\u2019s property.<\/p>\n<h3>Policy Period<\/h3>\n<p>The policy period refers to a time period during which the insured has coverage under the terms of their policy.<\/p>\n<h3>Premium<\/h3>\n<p>The premium is the amount of money the insured pays their insurance carrier in exchange for their promise to insure them.<\/p>\n<h3>Property Damage<\/h3>\n<p>Property damage is often defined to mean \u201cphysical injury to, destruction of, or loss of use of tangible property.\u201d The focal point of whether a loss constitutes property damage is the \u201cphysical\u201d nature of the damage. For example, intellectual property would not qualify for property damage coverage because it is not \u201ctangible\u201d property.<\/p>\n<h3>Tender of Defense<\/h3>\n<p>When an insured needs their insurance company to defend them in a third-party lawsuit for bodily injury or property damage, they must \u201ctender\u201d their defense to the insurance company. Tendering a defense typically requires the insured to notify the insurance company in writing about an existing or potential lawsuit a third-party filed against them.<\/p>\n<h3>Umbrella or Excess Coverage<\/h3>\n<p>Umbrella coverage is a separate kind of insurance policy that covers a broad range of losses and liabilities that aren\u2019t usually covered by an underlying homeowners or automobile insurance policy.<\/p>\n<h3>Underwriter<\/h3>\n<p>An underwriter is someone who identifies and analyzes the risks associated with the insured to figure out if they should be covered and the amount of their premium.<\/p>\n<h2>Get Professional Advice from a Miami Insurance Claims Attorney<\/h2>\n<p>Insurance claims can be tricky for someone who doesn\u2019t have experience dealing with an insurance company. The scope of a policyholder\u2019s coverage and their obligations to the insurance company heavily depend on the application of specifically defined terms and insurance industry jargon. At <a href=\"\/\">The Morgan Law Group<\/a>, we can help you navigate the complex and sometimes confusing process involved with filing an insurance claim. With more than 20 years of experience handling insurance litigation for Miami policyholders, you can rest assured that your rights have an effective advocate after we take the reins.<\/p>\n<p><strong>Contact <a href=\"https:\/\/g.page\/the-morgan-law-group-orlando\">The Morgan Law Group Orlando<\/a> online <\/strong><strong>or call us at\u00a0<a href=\"tel:(844) 818-0774\">(844) 818-0774<\/a>\u00a0to learn how we can assist you with your insurance matters.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Whether you have a homeowners policy or an automobile\u00a0insurance\u00a0policy, it is important to understand the nature and extent of your<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-435","post","type-post","status-publish","format-standard","hentry","category-insurance-claims"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Key Insurance claims Terms Every Policyholder Should Know<\/title>\n<meta name=\"description\" content=\"Key Insurance Terms Every Policyholder Should Know, Please Check out the latest blogs about legal services at The Morgan Law Group Call us today at (407) 449-1939.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" 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