Insurance terms: Definitions you can use

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

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.

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- 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.

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- 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.

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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.

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- insurance terms
Property and casualty insurance explained

Property and casualty insurance explained

Learn what property and casualty insurance is, and find out how it matters for your homeowners insurance policy.

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- insurance terms
What is a no loss statement?

What is a no loss statement?

Read about no loss statements to find out what they are and when you might need one.

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Theft insurance in your homeowners policy

Theft insurance in your homeowners policy

Find out what theft is for your home insurance policy.

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- insurance terms
What is a protection class?

What is a protection class?

Protection class is a way of ranking your community's fire risk. Find out what it is and how it can impact your home insurance premium from Kin Insurance.

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- insurance terms
What is a home insurance renewal?

What is a home insurance renewal?

Find out how the home insurance renewal process works and what changes to look for the next time your policy comes up for renewal.

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- insurance terms
The basics of insurable interest

The basics of insurable interest

You may not be the only one with an insurable interest in your home. Find out how insurable interest impacts your homeowner's insurance and more.

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- insurance terms
Excess & surplus lines insurance explained

Excess & surplus lines insurance explained

Learn more about excess and surplus lines insurance, including important details like coverage limits, types of policies available, and why you might need it.

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- insurance terms
What is HOA insurance?

What is HOA insurance?

HOA insurance is a policy your homeowners association buys to protect the exterior of the buildings that belong to the association and its common areas.

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What is a peril in home insurance?

What is a peril in home insurance?

A peril is a specific risk, or cause of loss, covered by an insurance policy.

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