That portion of the insurance contract which contains such information as: name and address of the insured, description of the property covered, coverage limits and premium amounts.

Amount that must be paid by the insured before benefits will be paid by the insurer.

Insured drivers who successfully complete an approved Motor Vehicle Accident Prevention Course qualify for this discount. (Discount availability varies by state).

The decrease in value of property because of age, wear and tear, or other causes. It is taken into consideration when adjusting losses on an actual cash value basis.

Insured drivers under age 21 who provide evidence of successful completion of a certified driver education course qualify for this discount. (Discount availability varies by state).

Dwelling coverage provides for protection against loss to the dwelling structure listed on the Declarations page and any other structures attached to it by more than a fence, power line or similar connection. It also covers materials and supplies located on or adjacent to the residence premises that are being used to construct, alter or repair the dwelling.