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Key Policy Sections
Declarations Page
The summary page of your policy containing your personal information, policy number, coverage limits, deductibles, and premium amount. This is your quick reference for what you have.
Key Tips:
- Keep a copy easily accessible
- Review annually for accuracy
- Check coverage limits match your needs
Insuring Agreement
The core promise from your insurance company - what they agree to cover and under what conditions. This defines the scope of your protection.
Key Tips:
- Understand what triggers coverage
- Know the difference between named perils and open perils
- Review coverage territory limits
Exclusions
What your policy specifically does NOT cover. Common exclusions include floods, earthquakes, intentional damage, wear and tear, and certain types of water damage.
Key Tips:
- Read exclusions carefully
- Consider separate policies for excluded perils
- Ask about endorsements to fill gaps
Conditions
Rules you must follow for coverage to apply. These include timely claim filing, cooperation with investigation, and duties after a loss.
Key Tips:
- Know your reporting deadlines
- Understand your duty to mitigate
- Keep records of all communications
Endorsements/Riders
Optional coverages you can add to customize your policy. Common endorsements include scheduled jewelry, home business coverage, and water backup protection.
Key Tips:
- Review available endorsements
- Schedule high-value items
- Consider umbrella coverage
Property Insurance Types
ClaimNova specializes in property insurance claims. Here are the most common policy types we help with.
Homeowners Insurance (HO-3)
The most common policy type, covering your home on an open-perils basis and contents on a named-perils basis.
Key Coverage:
DwellingOther StructuresPersonal PropertyLiabilityAdditional Living Expenses
Common Exclusions:
FloodEarthquakeMaintenance issuesPest damage
Renters Insurance (HO-4)
Protects your personal belongings in a rental unit and provides liability coverage.
Key Coverage:
Personal PropertyLiabilityLoss of UseMedical Payments
Common Exclusions:
Building structureRoommate belongingsFloodEarthquake
Condo Insurance (HO-6)
Covers the interior of your condo unit, personal belongings, and liability. The HOA typically covers the building exterior.
Key Coverage:
Interior WallsPersonal PropertyLiabilityLoss AssessmentImprovements
Common Exclusions:
Building exteriorCommon areasFloodEarthquake
Commercial Property
Covers business property, equipment, and provides business interruption coverage.
Key Coverage:
BuildingBusiness Personal PropertyBusiness IncomeLiabilityEquipment Breakdown
Common Exclusions:
Employee theft (separate policy)Cyber attacksProfessional errors
Flood Insurance (NFIP)
Separate policy required for flood damage, typically through the National Flood Insurance Program.
Key Coverage:
Building PropertyPersonal PropertyDebris Removal
Common Exclusions:
Basement improvementsCurrency/precious metalsLiving expenses
Need Help Understanding Your Policy?
Our AI assistant Alan can help you understand your specific policy coverage and identify potential gaps.