Across
1. The _____ endorsement provides liability coverage for the ownership, operation, or
use of boats, for the homeowner policy holder.
3. _____ perils coverage is also known as 'all - risks' or all accidental risks of direct
physical loss or damage, as opposed to 'named perils' coverage.
4. _____ property is buildings and structures attached to the land; not personal property.
6. _____ settlement provisions include replacement cost, actual cash value, and
insurable interest.
8. _____ vehicles owned, maintained, operated, or used by any insured are excluded
from homeowners liability coverage, with limited exceptions.
11. Additional Living Expense; abbrev.
13. _____ of Liability provisions set forth the maximum amounts payable as damages for
negligence, from a single occurrence.
16. The policy provision that allows coverage which is broadened during the policy period
to be automatically applicable to in-force policies, without requiring endorsement.
19. Not blanket coverage; a method to arrange coverage by specifically listing an object,
as opposed to grouping similar objects of insurance or property at more than one location.
20. The ____ business insurance endorsement can be used by the homeowners policy
holder to provide some business insurance coverages for an occupation principally
conducted from the dwelling.
22. ______ liability insurance provides coverage for defense of negligence allegations
and payment of money damages, where these expenses relate to an insured's non-
business activities, which result in bodily injury or property damage to others.
23. These expenses are payable, without regard to fault, under the medical payments
coverage of the homeowners policy; two words, no space between - sometimes
hyphenated.
26. This applies to personal property of an insured, most often on a 'named perils' basis,
including theft; not A or B.
27. A personal _____ policy provides high limits of liability coverage, usually with a self-
insured retention or retained limit; used in rainstorms to protect your hairdo.
28. The _____ clause provides for independent determination of the value of a loss; for
antiques to be adequately insured, the agreed value must be determined on the basis of
one of these.
Down
2. This form of liability coverage provides protection where liability of others has been
assumed by an insured under an agreement; relates to tort liability for damages which can
be imposed due to the enforcement of a contact with another party.
4. _____ cost coverage is not 'actual cash value' or 'market value' coverage; a loss
settlement valuation provision in the homeowners policy.
5. This peril, associated with severe though natural geological activity of the rock and land
under the home, is most often purchased as an endorsement to the typical homeowners
policy.
7. The definition of an _______ is a determinant of how the liability limits apply to a
specific event or series of events with a common foundational cause.
9. The right to proceed against a responsible third party for restitution of expenses
associated with injury or restoration after damage to your property is also known as this;
an right of action taken on your behalf by your insurer.
10. This amount applies to each property damage loss under Section I of the
homeowners policy; a form of self-insurance, generally for small or nuisance-type losses.
12. The root cause of loss; the event that set the loss or damage into motion: the
_______ cause.
14. The cost of _______ removal is an expense after a covered loss to insured property,
part of the loss itself, and generally paid subject to a 'cap' or limit; removal of this means
the lot is now clear of damaged covered property.
15. The limit of ________ is the maximum amount paid to a third party who would win a
negligence suit against an insured who is responsible for their injury, or damage to their
property.
17. The _____ guard endorsement, or clause, provides for an automatic increase in the
amount of coverage, to hedge against increased loss costs over the policy term.
18. _______ payments coverage is available to pay for accidental injury to persons other
than an insured, regardless of fault, if related to covered activities and locations of the
insured.
21. An _______ in hazard within the control of an insured is one of the reasons for which
the insurer can legitimately deny coverage for a loss.
22. The named _____ of flood is excluded from coverage under most homeowners
forms.
24. The 'open perils', or all-risks of accidental direct physical loss, approach is often
contrasted with this approach to coverage; usually associated with personal property
coverages.
25. This coverage provision allows an insured to move personal property from one home
to another, maintaining amounts of insurance in proportion to those as they exist at each
site, up to the limits of Coverage C, within a time limit.