An endorsement that conveys additional insured status on a party that otherwise is not insured on the policy.

Entity other than a named insured who is protected under the terms of an Insurance Policy. Usually additional Insureds are added by endorsement or referred to in the wording of the definition of insured in the Policy itself. By Name -Additional insured(s) identified by name, typically on declaration page or endorsement to the declaration page of another’s Policy. By Reference -Additional insured who is covered as a member of a class or group having a relationship, specified in an Insurance Policy’s definition of insured(s), to the named insured (such as the employees of the named insured or those having the named insured’s permission to operate an insured vehicle). Additional Interest -Interest of an additional insured.Additional Living Expenses Insurance : Policy which reimburses the insured for increased living costs when loss to insured property forces temporary residence elsewhere. Examples are the cost for a hotel or motel and the extras cost for restaurant meals.

This coverage, found in homeowners forms, provides payment for extra expenses made necessary by the insured’s inability to reside in the insured dwelling because of a covered loss—for example, restaurant meals and hotel bills. The amount payable is the difference between normal household expenses and the increase.

Part of the homeowners insurance policy, additional living expense reimburses the policyholder for the extra cost of living elsewhere while the house is being restored from an insured peril. It is also known as “Loss of Use” coverage. (See Homeowners Insurance).

Perils added to a fire policy, such as damage by storm, tempest or flood.

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Also called special perils they add to the scope of a standard fire policy. They include: 1. Dry perils: aircraft; explosion; riot and civil commotion; malicious damage; earthquake. 2. Wet perils: storm; burst pipes; flood; sprinkler leakage. 3. Miscellaneous perils: impact; subsidence; subterranean fire; spontaneous combustion.

Extra premium charged either because the insurance is more hazardous than normal or because additional benefits are added to the policy.

Provisions in addition to the regular insuring and benefit provisions, and to the standard uniform provisions, which define and limit the coverage. Also, often called general provisions.