The person designated in the policy as the insured and named on the declarations page.

The failure to use the degree of care required by law to protect others from harm.

Up to a 20% discount is available for homes originally constructed within the past eight years.

No-fault insurance is designed to pay for the financial losses associated with minor accidents as quickly as possible. Under a no-fault system, your own insurance company will pay medical expenses and lost wages caused by an accident, regardless of who was at fault. In exchange, no-fault systems limit the right to sue under certain circumstances. Not every state has no-fault, and systems vary quite a bit from state to state.

Save 5% when all residents of your household are non-smokers.

The decision by the insurer not to extend coverage for another policy term after the current policy period expires.