Careers Login Glossary of Insurance Terms If you’re hoping to better understand some of the commonly used terms in our policy forms, view our glossary below. Please note that the information stated may not apply to all situations, since insurance laws vary by state and coverage may not be available in some jurisdictions. Our actual policy will address any questions of interpretation. Click on a word to view the definition. Act of God An accident or event resulting from natural causes, without human intervention or agency, and one that could not have been prevented by reasonable foresight or care—for example, floods, lightning, earthquake or storms. Actual Cash Value Additional Insurance Additional Living Expenses Application Appraisal Basic Limits Cancellation Catastrophe Claim Coinsurance Clause Conditions Damages Declaration Page Deductible Department of Insurance Depreciation Effective Date Endorsement Exclusion Expiration Date Extended Coverage Flood Insurance Hazard Homeowners Policy Increased Replacement Cost Dwelling Insurance to Value Insured Insurer Insuring Agreement Liability Insurance Limit of Liability Loss Loss Payable Clause Loss of Use Insurance Mortgage Clause Named Insured Non-Renewal Occurrence Ordinance or Law Partial Loss Peril Personal Liability Coverage Policy Premium Property Damage Property Insurance Protection Real Property Reinstatement Renewal Renters Policy Replacement Cost Residence Employee Residence Premises Scheduled Property Total Loss Underwriting Learn More About Your Policy To better understand the structure of your policy, get answers to frequently asked questions or for helpful loss prevention tips, view the links below. For more insurance term definitions, visit A.M. Best’s Glossary of Insurance Terms. Understanding My Policy Policyholder FAQs Loss Prevention Please note that this section highlights examples of safety precautions that you can consider to help prepare yourself, others and your personal property for a disaster. Please recognize that a particular precaution may not be appropriate or effective in every circumstance. We encourage you to use your own good judgment about what is appropriate. Please reference our Legal Statement for additional disclaimers. (866) 274-8765 > Login to Your Account Policyholders Login Agent Login Find an Agent Our Company About ASI Insurance Claims Center Agent Resources Connect with Us Support Careers Media Contacts Offers Home Support Press Legal Privacy Code of Conduct Site Map Search Search Attitude, Speed & Innovation®