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Homeowners Insurance Glossary

See Highly Protected Risk. (PR)

Insurance against loss of crops caused by hail. (PR)

Refers to Property risks, which meet the standards required for lower rates. Risks of this type are usually protected by sprinklers and have better than average construction and occupancy. The term is most often used in connection with the factory mutual, Factory Insurance Association, and the improved risk mutual. (PR)

A Property and Liability Insurance contract that provides insurance against any of the Property and Liability perils to which a homeowner or renter is exposed. (PR, LA)

See Full Reporting Clause. (PR)

See Fire. (PR)

The term given to household goods, furniture and personal belongings of residents of a farm dwelling. The Farm Property Coverage Form uses the term "household" to distinguish it from the separate coverage for "farm" property. Contrast with Farm Personal Property. (PR)