Personal Policy Types
Policy Types are pre-loaded into Policy Terminator^®. The standard policy types for personal lines are listed below. If you require a policy type that is not listed, contact your system administrator.

Auto Liability and Physical Damage - Insurance that provides coverage for physical damage coverage for insured vehicles and liability insurance against bodily injury and property damage arising out of the insured's operation of motor vehicle(s).

Auto Physical Damage - Any automobile insurance policy that insures against damage for a vehicle. Coverage's such as comprehensive or collision are included.

*Automobile - Assigned Risk(Not available in all states)- Insurance provided to drivers who have been rejected for automobile coverage through conventional means. These risks are covered by a pool of insurers, but are assigned to a specific insurer.

Aviation - Liability or Hull - Insurance protects an insured against losses arising out of the use, or operation of an aircraft. Hull coverage provides physical damage protection for the aircraft.

Boatowners - A special policy insuring watercraft, boats, cabin cruisers, inboard motorboats or yachts. Coverage may include liability coverage for bodily injury and property damage arising out of the insured's operation of the watercraft. Coverage may also be included for the actual watercraft, i.e. property coverage on the watercraft.

Farm Owner - Ranch Owner - A package policy designed for the specific operations of ranches and farms.

Homeowners - An insurance policy designed to protect a homeowner, which combines property insurance coverage for the structure and personal property, as well as liability coverage.

Mobile Home - A package policy, similar to a homeowners policy, written on a permanently located mobile home.

Motorcycle - An automobile policy designed to provide coverage specific to the operation of a motorcycle.

Motorhome - An automobile policy designed to cover the unique needs of self-propelled motor homes licensed for road use.

*Package - Homeowners incl Auto(Not available in all states) - An insurance policy that includes two or more types of coverage in a single contract. This policy provides coverage's for the homeowner as well as for their automobile(s).

Pers Generic - Call ODEN Before Using - This policy type was developed by ODEN to provide flexibility for unique coverages that do not fall under one of the pre-existing policy types in Policy Terminator. An Administrator for Policy Terminator may rename this policy type according to the situation in which it is to be used. Any notice generated with this policy type will be a basic notice stating the action being taken and the reason for it. ODEN does not pre-fill any Advance Days or Mail Type requirements that may apply. Custom Advance Days may be set up in Utilities by a Policy Terminator Administrator. Due to the nature of this notice ODEN disclaims any responsibility for any compliance requirements applicable to the use of a notice generated for this policy type. ODEN is not responsible for the content of the notice. Insurers using this policy type are responsible for fulfilling any notice filing requirements the states may impose. ODEN strongly recommends that you call us at 1-800-327-8829, Option 6, Option 3 (Oden Customer Support) for assistance and guidance before using this policy type.

Standard Fire - A property insurance policy providing 'real property' coverage against various perils including fire and storm damage. Some states consider any policy that provides the peril of fire to be regulated as a fire policy.

Tenant or Renters - A personal property/liability package policy designed to protect a renter's personal contents and premises liability.

Umbrella/Excess Liability - A special liability policy that serves three main functions: 1) Provides additional excess coverage over a primary or underlying liability policy; 2) Provides broader coverage than the primary liability policy; 3) Provides a feature that automatically replaces coverage provided by the underlying policy when coverage is reduced or exhausted by loss.

*Base Policy Types not available in all jurisdictions

Automobile - Assigned Risk - Only Available in AZ, AR, CA, CO, CT, DC, ID, IL, IN, KY, MT, NY, OR, UT, WA, WV, WY.
Package - Homeowners incl Auto - Not Available in MA, MD, MT, NH, NJ, NM, NC, PA, TX.

Link to Commercial and Personal Types Help Page
Link to Data Setup Help Page