Understanding Your Insurance
Understanding the fundamentals of insurance
Car insurance
What Is Bodily Injury Liability Coverage?
Bodily injury liability coverage provides compensation for injuries to others, related legal expenses and damage your vehicle does if you cause an accident.
What Is Collision Coverage?
This helps pay for damage to your vehicle if you are in an accident with another vehicle or object, or your vehicle rolls over.
What Is Comprehensive Coverage?
This covers non-collision related damage to your vehicle, such as theft or fire, as well as striking an animal or a tree falling on your car in a storm.
What Is Loan or Lease Gap Coverage?
If you finance or lease your vehicle and it gets totaled, loan/lease gap coverage can cover the difference between the current value of your vehicle and what is owed on it.
What Is Medical Payments Coverage?
Medical payments coverage protects passengers in your vehicle who may be injured in an accident, no matter who is at fault. It also protects you as a pedestrian.
What Is Property Damage Liability Coverage?
Property damage liability coverage provides compensation for related legal expenses and damage your vehicle does to another person’s property if you cause an accident.
What Is Uninsured/ Underinsured Motorists Coverage?
This can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage.
Understanding an Umbrella Policy
Umbrella insurance provides extra liability coverage that can help protect assets. It also helps cover defense costs, attorney fees and other charges associated with lawsuits.
Home insurance
What Is Dwelling Coverage?
This coverage can help pay to repair or rebuild the physical structure of your home in the event of a fire or other covered cause of loss.
What Is Liability Coverage?
If others are hurt or have damaged property for which you or covered residents of your household are legally responsible, then this can help protect you.
What Is Loss of Use Coverage?
If your home is damaged by a covered loss, loss of use coverage can help pay for your additional housing and living expenses while your home is being repaired or rebuilt.
What Is Personal Property Coverage?
This can cover your belongings, whether they get damaged at your home or apartment, or anywhere in the world – as a result of a covered loss.
Frequently asked questions (FAQ)
Car insurance FAQ
Why do you need car insurance? How much car insurance coverage do you need? Get answers to your car insurance FAQ.
Home insurance FAQs
Why do you need home insurance? How do you choose home insurance? Get answers to your home insurance FAQs.
Renters insurance FAQs
From what renters insurance covers, to how to get a renters quote, get answers to your questions.
Related products
Car insurance
Get protection that can give you peace of mind when you're on the road.
Home insurance
Protect your home the way it protects you by choosing the property insurance coverage that meets your needs.
Renters insurance
Renters insurance can help to cover more than your personal property. It can help to protect you from personal liability so you can rest easy.
