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Actual Cash Value — The fair market value of property; technically replacement cost less depreciation. Benefits are variable based on the value of underlying equity investments, and premiums and benefits are adjustable at the option of the policyholder. Appraisal — Process that determined the value of property, or the extent of damage, usually performed by an impartial expert. Collision Insurance — Covers physical damage to an insured's automobile other than that covered under comprehensive insurance resulting from contact with another inanimate object. These types of drivers are desirable to insurance companies for their low-risk driving habits. Multi-Car Discount — Available to policyholders at the same property address who insure more than one vehicle. Commercial Lines — Refers to insurance for businesses, professionals and commercial establishments.

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