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Broad Trends Affecting the Underwriting of Personal Lines Limita
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acceptable accident account selling actual cash value additional adverse selection agency all-risks amount of insurance application areas basis boat book of business central processing unit changes claims classification condominium considered construction coverage covered CPCU damage deductible driver eligible endorsement equipment evaluation example exclusions expenses exposure factors farm floater frequency homeowners insurance homeowners policy increase individual risk inland marine Insurance Services Office insurance to value insured's involved laws limits loss ratio medical payments mobile home monitoring moral hazard motor operator owner package policies percent perils personal automobile personal lines insurance personal lines underwriter personal property policyholders premium problem producer producer's profitable property insurance protection rating law recreational vehicles reinsurance renewal replacement cost require residence insurance residual market snowmobiles territory theft travel trailer underwriter's underwriting decision unit usually vehicle writing