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Index
Foreword Introduction Part I: Insurance and You Chapter 1: The Role of Insurance in the Economy Brief History of the Business of Insurance Chapter 2: The Structure of the Business of Insurance Chapter 3: The Marketing and Selling of Insurance Independent Agents Captive Agents Direct Writers Retail versus Wholesale Brokers Kinds of Insurers Guaranty Funds Chapter 4: Insuring Other Interests Choosing What is Best for You Mortgages or Trust Deed Holders Auto Lessors and Lenders Other Secured Parties Part II: Your Home Chapter 5: Homeowners Insurance Insured Capacity: Named Insureds Chapter 6: Loss of Use and Additional Coverages Property Coverages under Homeowners Policies Loss of Use Coverages Additional Coverages Chapter 7: Exclusions Section 1 Exclusions Additional Exclusions Comparison Shopping Additional Insured Interests under Liability Coverages Exclusions Added by Other Insurers Chapter 8: Conditions Conditions Applicable to Property Coverages Duties after Loss Loss Settlement Policy Limits and Insurance-to-Value Loss to a Pair or Set Appraisal Other Insurance and Service Agreements Suits Against Us Our Option Loss Payment Abandonment of Property Mortgage Clause No Benefit to Bailee Nuclear Hazard Clause Recovered Property Volcanic Eruption Policy Period Concealment or Fraud
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