Independent home insurance researchNot an insurer, agency, or broker. Coverage varies by state and carrier.
HomeQuoteAtlasCompare the policy, not only the premium

Reference

Home Insurance Glossary

Look up policy terms, then confirm the exact definition and effect in your own form and endorsements.

Last updated: August 11, 2026•Informational guidance

Find a term

Each definition explains the practical meaning, why it matters, where it appears, what to verify, and what not to confuse it with.

A

Actual Cash ValueMeaning, context, verification, and related terms

C

CLUE ReportMeaning, context, verification, and related termsCancellationMeaning, context, verification, and related termsCoinsuranceMeaning, context, verification, and related termsCosmetic DamageMeaning, context, verification, and related terms

D

Declarations PageMeaning, context, verification, and related termsDeductibleMeaning, context, verification, and related termsDwelling CoverageMeaning, context, verification, and related terms

E

EndorsementMeaning, context, verification, and related termsExclusionMeaning, context, verification, and related terms

F

FAIR PlanMeaning, context, verification, and related termsFloodMeaning, context, verification, and related terms

H

Hurricane DeductibleMeaning, context, verification, and related terms

I

Insurance BinderMeaning, context, verification, and related termsInsurance ScoreMeaning, context, verification, and related terms

L

Loss AssessmentMeaning, context, verification, and related termsLoss of UseMeaning, context, verification, and related terms

M

Master PolicyMeaning, context, verification, and related termsMedical PaymentsMeaning, context, verification, and related termsMitigation CreditMeaning, context, verification, and related terms

N

NFIPMeaning, context, verification, and related termsNamed PerilMeaning, context, verification, and related termsNamed Storm DeductibleMeaning, context, verification, and related termsNonrenewalMeaning, context, verification, and related terms

O

Open PerilMeaning, context, verification, and related termsOrdinance or LawMeaning, context, verification, and related termsOther Structures CoverageMeaning, context, verification, and related terms

P

PerilMeaning, context, verification, and related termsPersonal LiabilityMeaning, context, verification, and related termsPersonal Property CoverageMeaning, context, verification, and related termsPremiumMeaning, context, verification, and related termsPrivate Flood InsuranceMeaning, context, verification, and related terms

R

Replacement CostMeaning, context, verification, and related termsReplacement Cost EstimatorMeaning, context, verification, and related termsRoof ACVMeaning, context, verification, and related terms

S

Scheduled PropertyMeaning, context, verification, and related terms

U

UnderwritingMeaning, context, verification, and related terms

V

Vacancy ClauseMeaning, context, verification, and related terms

W

Water BackupMeaning, context, verification, and related termsWind and Hail DeductibleMeaning, context, verification, and related terms