GENERAL
Ten Insurance Mistakes.pdf
Brinks Home Security Discount Certificate from MIG.pdf
Home Guaranteed Replacement Cost Example.pdf
Replacement Cost vs Market Value Example.pdf
ChildSafe ID Booklet.pdf
SCHEDULES & INVENTORIES
Home Contents Inventory List.xls
Home Maintenence Schedule.xls
Vehicle Maintence Schedule.xls
BUSINESS RESOURCES
Home-Based Business Flyer.pdf
Business Plan for a Startup Business.pdf
Business Plan for an Established Business.pdf
Hiring Subcontractors - State Fund Mutual.pdf
Unwanted Faxes: What You Can Do
MOVING & RELOCATING RESOURCES
Moving Time Table.pdf
Moving & Children.pdf
Moving & Insurance.pdf
Moving & Your Computer.pdf
Moving & Your Plants.pdf
Moving - Helpful Packing Labels.doc
DESCRIPTIONS
Claims
Discounts
Extra Coverage
Definitions
Ten Insurance Mistakes.pdf
Brinks Home Security Discount Certificate from MIG.pdf
Home Guaranteed Replacement Cost Example.pdf
Replacement Cost vs Market Value Example.pdf
ChildSafe ID Booklet.pdf
SCHEDULES & INVENTORIES
Home Contents Inventory List.xls
Home Maintenence Schedule.xls
Vehicle Maintence Schedule.xls
BUSINESS RESOURCES
Home-Based Business Flyer.pdf
Business Plan for a Startup Business.pdf
Business Plan for an Established Business.pdf
Hiring Subcontractors - State Fund Mutual.pdf
Unwanted Faxes: What You Can Do
MOVING & RELOCATING RESOURCES
Moving Time Table.pdf
Moving & Children.pdf
Moving & Insurance.pdf
Moving & Your Computer.pdf
Moving & Your Plants.pdf
Moving - Helpful Packing Labels.doc
DESCRIPTIONS
Claims
Discounts
Extra Coverage
Definitions
Insurance Definitions
Automobile
Bodily Injury Liability (Bl): The amount of money your company may pay to other people for their injuries who are injured in an accident in which you are at fault. Examples of Liability Limits: 30/60 50/100 100/300 250/500 100/300 represents 100,000 per person and 300,000 per accidentUnderinsured Motorist (UIM) & Uninsured Motorist (UM): The amount of money your company may pay to you for your injuries when you are injured by another party who is at fault and does not have enough or any liability coverage to cover your damages.
Property Damage (PD): Coverage for damage you cause to objects (not including your own car) such as the other party's car, a utility pole, guardrail, residential fence, etc.
Personal Injury Protection (PIP): This is in reference to Minnesota being a "No Fault State". No matter who is at fault in an accident, an injured party uses their own auto insurance PIP benefits to see a doctor. Whether you are at fault or not, your own PIP benefits pay towards your medical and work loss damages.
Comprehensive: Coverage for damages to your automobile from incidents, due to causes such as theft, hail, vandalism, glass breakage, falling objects, etc. You must have comprehensive coverage in order to request full glass coverage (no deductible glass coverage).
Collision: Coverage for damages to your automobile due to causes such as collision with a guardrail, another car, a tree, etc.
Home
Dwelling: This is the amount your company may pay to repair or replace your home if your home is damaged by a covered loss. This amount may range from exactly the amount listed on your policy (face amount) to any amount required to replace your dwelling (true Guaranteed Replacement cost). This covers your floors, windows, walls, ceilings, roof, fireplaces, stairs, carpet, etc.
Other Structures: This is the amount your company may pay to repair or replace other structures of your home if they are damaged due to a covered loss. These structures include items such as garages, sheds, fences, patios, decks, satellite dishes, gazebos, antennas, etc.
Contents: This is the amount of money your company may pay if the contents of your home are damaged due to a covered loss. The contents of your home include items such as your appliances, furniture, clothes, electronics, kitchenware, tools, toys, etc. Most household items are covered under this limit with the exception of several items that have their own specific internal limit, such as jewelry or firearms.
Liability: Pays for damages or injury you accidentally cause to others for which you are found legally liable.
This information is general and is meant to be advisory only, and should not be relied upon for any insurance decisions. Please refer to your own insurance policy and company provisions for exact definitions and limits of coverages set forth in your policy contract.