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Insurance terms and definitions

What's a deductible? Does premium and rate mean the same thing? If you've ever asked yourself these questions, you've come to the right place.

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Insurance basics
Insurance terms and definitions

Articles on basic insurance terms and definitions

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Boat & PWC insurance (3)
Car insurance (41)
Condo insurance (1)
General insurance topics (9)
Health, dental, and vision insurance (4)
Home insurance (24)
Identity theft protection (1)
Life insurance (36)
Motorcycle insurance (5)
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Life insurance
What is collateral assignment of life insurance?
4 minute to read
Car insurance
Does AWD and 4WD affect auto insurance?
3 minute to read
Home insurance
What is blanket scheduled jewelry coverage?
3 minute to read
Home insurance
What is an insurance binder?
4 minute to read
Car insurance
What is subrogation?
2 minute to read
Car insurance
How do insurance coverage limits work?
4 minute to read
Life insurance
What is simplified issue life insurance?
2 minute to read
Car insurance
Does car insurance cover the car or driver?
4 minute to read
Home insurance
What is a homeowners insurance deductible?
3 minute to read

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.