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Additional Interest Insured

A company or person who has been named as an additional interest insured on a policy can be liable for an accident that involves an insured person or vehicle. For example, a lienholder can be an additional interest insured.

Anti-Theft Device

A device, either active or passive, that attempts to prevent vehicle theft. Active anti-theft devices can track and recover a vehicle and automatically contact a response center to begin the vehicle recovery process. Passive anti-theft devices attempt to prevent theft by using sophisticated electronic car alarms, simple steering wheel locks, etc.


An evaluation of a home insurance property claim by an authorized person to determine property value or damaged property value.

Bodily Injury Liability Coverage (BI)

If an insured person is legally liable for an accident, BI coverage pays for injuries/death to people involved in the accident other than the insured driver. BI also pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to your policy.


The termination of a home insurance policy during the policy term. An insurance company can only cancel a home insurance policy for reasons stated in the policy and permitted under the law of the state in which the policyholder resides.


A policyholder's request for reimbursement from an insurance company under a home insurance policy for a loss to property.

Comprehensive Coverage

If your insured vehicle is damaged due to an event other than a collision, Comprehensive coverage will pay for the damage. This includes damages from fire, theft, windstorm, flood and vandalism. If your vehicle is stolen, Comprehensive covers transportation and loss of use expenses when applicable.

Collision Coverage

When your insured vehicle overturns or collides with another object, Collision coverage pays for the damage to your vehicle. Collision coverage also may extend to a non-owned vehicle or one rented for personal use that is in your custody or that you are operating. Certain exclusions may apply. Refer to your policy.

Continuously Insured

Being continuously insured means your insurance coverage from an insurer or more than one insurer was in effect at all times, without a break or lapse in coverage for any reason.


The amount a home insurance policyholder must pay out of pocket for a covered claim.


The estimated decrease in property value over time due to wear and tear, aging and other related factors.


A provision or document added to a home insurance policy that changes the original coverage offered in the policy.


Certain property, persons or circumstances noted in a policy as not covered by a home insurance policy.

Independent Agent or Producer

An insurance agent or producer who represents more than one insurer.

Inflation Protection

Automatically adjusts your home insurance policy limits to account for increases in costs to repair property.


A contract in which a policyholder pays a set amount to an insurance company for protection against specified losses or perils.


Occurs when a policyholder does not pay or pays less than the agreed amount for a home insurance policy premium. Often, termination of the policy results from a lapse.

Liability Coverage

Covers losses that an insured person is legally liable for due to negligence or other situations outlined in a home insurance policy.

Market Value

The current value of your home, including the price of land.

Nonrenewal of Insurance

An insurance company's decision not to renew a policy after the current term ends. Companies must appropriately notify policyholders prior to nonrenewing coverage, usually 30 days.


The exposure to or cause of a possible loss, such as an injury, destroyed or lost property, etc.

Personal Property

All tangible property (other than land) that is either temporary or movable in some way, such as furniture, jewelry, electronics, etc.


A written contract for insurance between an insurer and a policyholder.


The price a home insurance company charges for a specified risk over a specified period of time.

Property Coverage Insurance

Protects personal property and land against loss or damage, as outlined in a home insurance policy.

Real or Tangible Property

Land, as well as anything permanently attached to, embedded in or growing on it.

Replacement Cost Coverage (on Dwelling)

Pays for the cost to replace damaged property or structures without factoring in deductions for depreciation, but payment is limited to a maximum dollar amount.

Replacement Cost Coverage (on Contents)

Pays for the cost to replace damaged personal property or items at current costs without factoring in deductions for depreciation.


A specified amount that is less than the maximum limits on a home insurance policy. Sub-limits are noted for specified coverages or types of property.


The process an insurance company uses to determine if someone is eligible for insurance and, if so, how much that person should pay for insurance





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Lester & Sons Insurance (c)2010 (714) 635-7171 (800) 458-1976
670 S. Brookhurst St. / Anaheim / CA / 92804 / Ca Lic. 0402616


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