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Homeowner's Vocabulary

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Actual cash value Syn: genuine/worth   coverage the compensates loss at current cash value considering depreciation  
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Depreciation Syn: devaluation   the reduction in the value of property as it gets older  
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Endorsement syn: sanction   an amendment to an individual policy that reflects any changes to the standard policy  
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Exclusion syn: omission   the section of an insurance policy specifying the losses that are not covered  
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Flood insurance syn: abundance   insurance that covers damage caused by a flood  
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Homeowner’s Inflation Guard Clause syn: raising   a clause which increases the policy coverage each year based on the changes in building costs in your area  
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Loss of use syn: calamity of benefit   coverage that pays for living expenses while repairs are made to a home or rental property that is uninhabitable because of loss  
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Perils syn: hazard   in reference to homeowner’s insurance, a cause of loss  
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Personal liability syn: own blame   coverage that protects policy holders from claims or judgments made against them  
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Renter’s insurance syn: boarder   insurance that protects tenants of a property owned by someone else against theft, property damage, loss of personal property and loss of use  
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Replacement cost syn: restoration amount   the cost to replace a piece of property or rebuild a structure  
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Umbrella policy syn: brolly plan   liability insurance that can be added when a client’s homeowner’s or renter’s and auto insurance are handled by the same insurer  
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