How To Read an Insurance Policy

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If the word insurance makes people's eyes glaze over, the thought of reading an insurance policy puts them into a catatonic state. Just as understanding the basics of insurance is not difficult, neither is reading an insurance policy.

First of all, insurance policies nationwide bid to be complied of standard boilerplate language – this is to keep apples with apples and oranges with oranges through all insurance companies and all types of insurance. This boilerplate language also pretty much steers away from typical "legalese" so all words within the policies is plain and simple. Boilerplate forms does not mean that all policies are the same – they are not – but like coverages, etc., are explained in the same way so if you can read one policy, you can reasonably read another.

The first place you should start is with the Declaration Page , commonly referred to as the " Dec Page ". In fact, if you do not get any further than this, this part of your policy is very important for you to be familiar with for all the reasons. What is the "Dec" page? The Dec Page is a summary of what your policy is providing for you and includes your policy number, the specific named insured, the effective and expiration date of the policy, what is being covered, how much it is being covered for, what it is costing you in total and per individual coverage, your agent's name and contact information and will show any loss payee (lien-holder) if applicable. If this is an automobile policy, the Dec page will also list the vehicles and drivers being covered. In short, the Declarations Page is a wealth of information that you should give some study to until you feel comfortable with it. This accomplishment alone will make you feel more enlightened in regards to what your insurance policy is all about.

The next step is to look at every heading in the policy, one by one. You will see things like Agreement, Definitions, specified Coverages, Insuring Agreement on the specified Coverage, Exclusions, Limit of Liability, Out of State Coverage, Other Insurance, etc. These are not scary words, right? Two very important sections are Definitions and Exclusions – found in various places in the policy and if you do not go over any others, you need to read these. Definitions will tell you who is considered an insured, etc., and the information listed will remove assumptions from your thinking and clarify what is what. Exclusions are assumption busters, as well. It is not written in Greek and you really need to know what exclusions apply to your policy. Ignorance is not bliss when you have a claim!

Too often, too many of us buy insurance for the lowest premium. Let's use an auto policy as an example. People buy what is mandatory by the state (and by the bank, if the vehicle is financed) and look only at the premium. With the cost as the only focus, these people have no clue what their policy does cover. Then they have a loss that is not covered because they did not elect to take the particular coverage that would apply and they are angry.

The solution to this frustration is to READ YOUR POLICY. Know what covers you have elected and what they are for; know the exclusions under your policy; know your responsibilities to the company in the event of a loss. Failure to know these things will most assuredly result in disappointment and unnecessary frustration in the event of a claim.


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Piguno Indonesia offers Indonesia furniture, decorative lighting, hotel furniture projects, handicraft online and Indonesia home decor, all products with export quality for retail and wholesale prices. Hospitality furniture for projects, Hotel furniture supplier, wholesale and manufacture.
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Welcome to Piguno, perfect choice for high quality of Indonesia furniture product with 23 years of experience. As one of the leading furniture manufacturer, Piguno has become a leader in Indonesia Furniture export industry. We will provide you with passionate service to fulfill any requirement and needs to achieve customers satisfaction. Our managerial expertise, highly skill workmanship and creativity of our people will deliver a multi beneficial business relationship as well as high quality product.Indonesia furniture, furniture for living room, Indonesian teak furniture wholesaleThe long journey of experiences in Indonesia furniture manufacturer, made us strong in sustaining and steering our business. Our business grows positively and has been built through a good character which also the part of our business culture. Various product collections from outdoor furniture to indoor furniture, from qualified Indonesian teak wood, mahogany wood, mindi wood material and other wooden materials, Supplier kayu, Beli kayu, Jual papan kayu, Distributor kayu, Jual kayu, to selective Indonesian natural rattan and fiber become the tag line of our services. Customer satisfaction is our priority and our people will guide you to make it possible as well as preserving a long term business relationship. Hard work, worship, joy and creativity are the atmospheres of our business. Those will reflect on every single product we produce and service that we provide.Finally, we, Piguno as the qualified Indonesia teak wooden furniture wholesale and manufacturer, humbly hope that our team with good capabilities and good quality of product will give you the benefit of your business, as we are going to achieve it within our heart. We will assure that you are in right decision by choosing us, an excellent choice, and we will be very proud and happy to be part of your prime choice.Piguno Indonesia offers wooden furniture for living room, Wooden classic furniture for dining rooms, modern teak furniture for bedroom, furniture for garden, furniture for outdoor, furniture for indoor, outdoor furniture for terrace and Asia kids furniture wholesale If you have any inquiry for furniture set in outside our web, don't hesitate to contact us, we will back to you shortly.

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Piguno Hotel and Resort Project Premier Line is well-versed hotel & resort furniture. We have furnished several hotel project in both Indonesia (Jakarta, Yogyakarta, Bali and Bandung) and countries abroad (Bulgaria, Sri Lanka, Jordan, Maldives, Bahrain, Austria, India, USA, Croatia, Panama, Australia, and UEA). Recognizing the essential between furniture and hotel industry, lead us to be well know hotel and resort furniture supplier.Furniture for hotel, Indonesia furniture, Furniture for living roomsHitherto our products that has been displaying in hotels are getting great appreciation from hotels management and hotels visitors. Here, we proudly present our furniture catalog for hotel and resort project in premium design and competitive price. Indonesia SEO & Indonesia web design. Piguno hospitality furniture as Indonesia furniture, Furniture hotel projects, Wholesale Indonesia furniture, Furniture for hotel projects, Hospitality furniture manufacture, Indonesia furniture manufactureTable lamp manufacturer, Jual papan kayu, decorative lighting supplier, Supplier kayu Solo, Table lamp exporter, Indonesia lighting manufacturer

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We start our business as Indonesia wooden and rattan furniture exporter in 1993 and growing rapidly until now. We declare ourselves as a manufacture and exporter company with legal entity as PT in Indonesia and similar to Public Limited Company (PLC) or an Ltd in the United Kingdom, Ireland or the United States. Aspects of Law and Administration we have had since inception of this company's proofing our seriousness and commitment running this business.

Piguno has covered some products range Indonesia teak furniture, Indonesia wooden mahogany furniture, Indonesia outdoor garden furniture, indoor teak furniture, contemporary modern furniture, reclaimed teak furniture Wholesale Asia, Indonesia kids furniture, teak root furniture, teak branch furniture, Indonesia rattan furniture, rattan synthetic furniture, Also Alloy casting furniture, solid teak furniture, stainless steel furniture, Asia Classic furniture wholesale, Indonesia colonial furniture manufacturer. Other info site. The idea is to be one-stop shop by offer multitude furniture product range to our clients moreover to create the opportunity for the company to sell more products.

We believe skill and depth knowledge of furniture are the main foundation for everyone in this company. By those strength and supported with premium design, we will deliver "value" to our customers. We would like to create wide target market not only limited for wholesaler and retailer but also projects including hotel furniture projects, villa project, housing project or event restaurant project unexceptional private house and government office. During our 20 years existence in Indonesia Furniture industry those target market is complete adequately.

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