(1) A company that receives the premiums and accepts responsibility for the fulfillment of the policy contract. (2) The company employee who decides whether or not the company should assume a particular risk.

That portion of a premium already received by the insurer for which protection has not yet been provided.

Standard UMB coverage will pay only the difference between what can be collected from other sources like the negligent party, and your UMB coverage limit. Conversion UMB coverage will pay up to the full limit of your coverage without reduction for payments received from other sources.

Standard UMB coverage will pay only the difference between what can be collected from other sources like the negligent party, and your UMB coverage limit. Conversion UMB coverage will pay up to the full limit of your coverage without reduction for payments received from other sources.

Pays for damage to your covered auto that you are legally entitled to recover from an uninsured motorist. The limit of liability for this coverage is $7,500. If you have Collision coverage on your auto, this coverage is not necessary or available. (Limits vary by state)

Uninsured/underinsured motorists coverage will pay bodily injury costs caused by an uninsured or underinsured motorist. It's a required coverage in some states, and a prudent coverage anywhere. Usually, the limits are the same as the bodily injury portion of your auto liability coverage. UM/UIM coverage can supplement the benefits you can receive under a no-fault system.

For property policies, unoccupied means furnished, but not lived in.

Homes which are less than 10 years old automatically get this discount. Homes older than that may qualify if they have updated electrical, heating and plumbing systems.