Insurance Hacks: How to Save More and Get Better Coverage
The policy’s Conditions section sets out the obligations and responsibilities of both the insured and the insurer. It may cover items like premium payment terms, grace periods for cancelling or reinstating the policy, claim reporting requirements and cooperation in investigations, as well as any other contractual stipulations of the policy.
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This section will also set out the limitations and exclusions of the policy. For example, property policies typically list specific perils that are covered and exclude coverage for any losses caused by a peril not listed. In contrast, an all-risk policy offers broader coverage by listing all perils that are covered. Another common type of exclusion is one limiting coverage for any loss resulting from the use or ownership of the policy by someone other than the insured (such as commercial operations in an automobile insurance policy).
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Insurance policy language often contains emphasized words, such as those appearing in bold-faced font, italics, or quotation marks. These are called “key terms” and should be read carefully as they can impact the meaning of the policy.
It is important to carefully review the dec page and all sections that follow in order to ensure that the policy accurately reflects what was agreed upon in a binding contract. This can help prevent surprises down the road, especially when it comes to a claim. If there are any discrepancies, they can be addressed with the insurer. Another area to pay particular attention to is the policy’s effective and expiration dates, as well as any waiting periods that are required before certain benefits kick in. This information is critical to ensure that the policy meets your needs and expectations.
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