A dangerous place, condition, or object that is particularly attractive to children, such as a swimming pool or trampoline Someone you specifically ask to come to your house Presumed to have permission to be on your property, such as door-to-door solicitors or delivery people A written amendment to an insurance policy that reflects changes to it Items that homeowners insurance policies specifically will not cover Buying more insurance than is necessary, and should be avoided The cost of replacing an item regardless of its actual cash (market) value Reimbursing cash value of loss A provision requiring policyholders to insure their building for a stated percentage of its replacement value in order to receive full reimbursement for a loss Covers costs of damage to the vehicle, its owner, and any passengers Auto insurance that protects your own car against damage from accidents or vehicle overturning Protects you from damage to your car from causes other than collision or vehicle overturning Auto insurance that pays for medical, hospital, and funeral costs of the insured and his or her family and passengers, regardless of fault  

1. Attractive Nuisance

A dangerous place, condition, or object that is particularly attractive to children, such as a swimming pool or trampoline

2. Guest

Someone you specifically ask to come to your house

3. Uninvited Guest

Presumed to have permission to be on your property, such as door-to-door solicitors or delivery people

4. Endorsement

A written amendment to an insurance policy that reflects changes to it

5. Exclusions

Items that homeowners insurance policies specifically will not cover

6. Over-Insuring

Buying more insurance than is necessary, and should be avoided

7. Replacement Value

The cost of replacing an item regardless of its actual cash (market) value

8. Indemnification

Reimbursing cash value of loss

9. Coinsurance Clause

A provision requiring policyholders to insure their building for a stated percentage of its replacement value in order to receive full reimbursement for a loss

10. Automobile Insurance

Covers costs of damage to the vehicle, its owner, and any passengers

11. Collision Coverage

Auto insurance that protects your own car against damage from accidents or vehicle overturning

12. Comprehensive Coverage

Protects you from damage to your car from causes other than collision or vehicle overturning

13. Personal Injury Protection

Auto insurance that pays for medical, hospital, and funeral costs of the insured and his or her family and passengers, regardless of fault