Personal Auto Policy: Coverage designed to replace both the family auto policy and the special package auto policy as the "standard" form for insuring private passenger autos and certain types of nonbusiness trucks.
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| Personal Lines: Types of insurance written for individuals rather than businesses, for which the term commercial lines applies. |
| Includes: |
| Homeowners: A package policy for dwelling and contents risks combining fire and allied line coverage with comprehensive personal liability and theft insurance for homeowners and tenants. This policy carries an indivisible premium in that the premium is not separately stated or broken down for the various hazards insured against. There are different homeowners forms, varying in extent of coverage and cost from the broad cause of loss policy (HO2), to the special cause of loss policy (HO3), to the renter's policy (HO6). |
| Personal Auto: Types of insurance written for private passenger autos, and certain types of non-business trucks. |
| Family Automobile Policy: A predecessor personal automobile policy insuring liability, medical expense, physical damage and uninsured motorists, available only for individually owned, private passenger cars and some small trucks. It is somewhat similar to the combination automobile policy but provides broader coverage. This type of policy has been replaced by the personal auto policy, PAP, in most state jurisdictions. |
Personal Auto Policy: Coverage designed to replace both the family auto policy and the special package auto policy as the "standard" form for insuring private passenger autos and certain types of nonbusiness trucks. |