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Guaranteed Renewable — A provision in many insurance products that guarantees the policy owner the right to renew coverage at every policy anniversary date. This ratio measures the company's underlying profitability, or loss experience, on its total book of business. Adjustable Life Insurance — Life insurance that gives the policyholder power to change the face amount, premium, coverage period or other features of the policy. Primary insurance acts as the first layer of coverage on common types of losses. Towing Insurance — Provides coverage if an insured auto needs to be towed or requires roadside assistance. Insurable Interest — Interest in property such that loss or destruction of the property could cause a financial loss. Claim — A demand made by the insured, or the insured's beneficiary, for payment of the benefits as provided by the policy. Schedules can list specific benefits, assets, charges, credits and other features that are unique to the policy, such as Earthquake insurance. Primary insurance acts as the first layer of coverage on common types of losses. The term Property insurance encompasses numerous lines of available insurance. For example, fire damage or a cracked windshield would be covered under the comprehensive section. Indemnity — Restoration to the victim of a loss by payment, repair or replacement. Nonstandard Auto High-Risk Auto or Substandard Auto — Insurance for motorists who have poor driving records or have been canceled or refused insurance. Cancellation — Termination of an insurance contract before the end of the policy period by the insured or insurer. Public adjusters work for the insured in the settlement of claims and receive a percentage of the claim as their fee. Renewal — The automatic re-establishment of in-force status affected by the payment of another premium. Depreciation — The decrease in value of any property due to wear and tear or age. Home About Apollo Claims Carriers. For example, fire damage or a cracked windshield would be covered under the comprehensive section. Also guards against financial obligation or lawsuit in the event of an accident. Exposure — Measure of vulnerability to loss, usually expressed in dollars or units. Schedule — A list of items covered under a Homeowners policy. In health insurance, coinsurance is a percentage of each claim above the deductible paid by the policyholder.