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The glossary defines basic insurance terms commonly used in our policy forms. Because insurance laws vary by state, and coverage may not be available in some jurisdictions, the information stated may not apply to all situations. Our actual policy will govern any questions of interpretation.

Click on a word to view the definition.

Act of God
An unpreventable accident or event that is the result of natural causes; for example, floods earthquakes or lightning.

Please note that this section highlights examples of safety precautions that you can consider to help prepare yourself, others and your personal property for a disaster. Please recognize that a particular precaution may not be appropriate or effective in every circumstance. We encourage you to use your own good judgment about what is appropriate. Please reference our legal statement for additional disclaimers.