Personal insurance,clearly presented.

Automobile insurance can combine several types of coverage. Liability coverage applies to certain injuries or property damage for which a driver is legally responsible.

Collision coverage generally addresses damage caused by a collision. Comprehensive coverage generally addresses covered damage from events other than a collision.

Medical payments, uninsured motorist coverage, rental reimbursement and roadside assistance may also be available. Terms and availability vary by policy.

Renters insurance can cover belongings after certain events described in the policy. It can also include personal liability and additional living expenses.

Coverage limits and deductibles affect how a policy responds. Some belongings may have separate limits or require optional coverage.

The policy should be checked for covered events, exclusions and the method used to value belongings.

Flood insurance is separate from many standard home and renters policies. It can address covered damage to a building, belongings or both.

Definitions, limits and exclusions vary by policy. Coverage may also depend on the property type and location.

Effective dates and waiting periods can apply. The policy documents state when coverage begins.

Boat and RV policies can include physical damage, liability and other options depending on the vehicle or watercraft.

Policy terms may address use, storage, navigation areas, equipment and passengers.

Coverage limits, deductibles and exclusions vary by policy and should be read carefully.