Insurance terms: Definitions you can use

Sometimes it seems like your insurance agents is speaking another langauge. Our insurance term definitions can help.

Find out who a policyholder is for your homeowners insurance and whether that’s the same as the insured in this article from Kin.

Read this post

- insurance terms
What is HO-5 insurance?

What is HO-5 insurance?

Is an HO-5 policy right for you? Find out in this article from Kin.

Read This Post
- insurance terms
What is an HO-4 policy?

What is an HO-4 policy?

An HO4 policy, also called renters insurance, is named perils coverage that protects a renter’s personal property and their personal liability. Learn more.

Read This Post
- insurance terms
What homeowners need to know about the HO-8 policy

What homeowners need to know about the HO-8 policy

An HO8 policy is home insurance for older buildings where the replacement costs potentially exceed the market value. It's sometimes called the modified coverage form.

Read This Post
- insurance terms
What is an insurance rider?

What is an insurance rider?

Insurance riders may provide additional coverage options, but they may also restrict or limit coverage. Learn more.

Read This Post
- insurance terms
The insurance underwriting process

The insurance underwriting process

Every policy must go through an insurance underwriting process. Find out why and what it means for your home insurance premiums here.

Read This Post
- insurance terms
Limit of liability explained

Limit of liability explained

Learn what a limit of liability is, how to find your, and what it means for your homeowners insurance.

Read This Post
- insurance terms
What is an act of God?

What is an act of God?

An act of God is an event that's outside of human control. Find out if your home insurance covers acts of God and what to do if your home experiences one.

Read This Post
- insurance terms
What is an HO-2 policy?

What is an HO-2 policy?

An HO2 policy is a type of home insurance that can cover your home and personal property against 16 named perils.

Read This Post
- insurance terms
What is an insurance effective date?

What is an insurance effective date?

Your effective date is the day your insurance policy becomes valid. This date is important to know because it helps determine if claims are covered.

Read This Post
- insurance terms
What is a named insured?

What is a named insured?

A named insured is any entity listed as covered by an insurance policy. Learn the benefits of being the named insured on your homeowners insurance.

Read This Post
- insurance terms
What is an insurance adjuster?

What is an insurance adjuster?

Your home insurance provider may send a claims adjuster to investigate a claim. Learn what happens in the investigation and how to work with an adjuster.

Read This Post
- insurance terms
What is a coinsurance clause?

What is a coinsurance clause?

Most home insurance policies include a coinsurance clause, but not many people know what it means. Find out how the coinsurance clause can cost you money.

Read This Post