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Benson Kearley IFG helps you understand...

The world of insurance can be quite hard to understand. We’re here to provide you with terms you can understand, give you advice and offer our help—all right at your fingertips.

Insurance Glossary

H

HAZARD

A specific situation that increases the probability of the occurrence of loss arising from a peril, or that may influence the extent of the loss. For example, accident, sickness, fire, flood, liability, burglary, and explosion are perils. Slippery floors, unsanitary conditions, shingled roofs, congested traffic, unguarded premises, and uninspected boilers are also hazards. 

HEATING

Type of heating in a dwelling.

HIT-AND-RUN

The failure of the driver of a any kind of vehicle to stop knowing that he or she is the direct or indirect cause of an accident.

HOMEOWNER INSURANCE

An elective combination of coverages for the risks of owning a home. Can include losses due to fire, burglary, vandalism, earthquake, and other perils.

HOUSEKEEPING

The general care, cleanliness and maintenance of an insured property.

HYPOTHECARY CREDITOR

Corporation or person to whom a sum of money is owed et who has registered its security on the properties (movable or immovable) given as a guarantee by the hypothecary debitor.

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