Common High Risk Home Insurance TermsDirect LossDamage caused directly by a covered peril, as opposed to indirect or consequential losses. Other Insurance Industry TermsFlood InsuranceHigh-Risk Homeowners InsuranceLoss of UseExclusionUnderwritingFAIR Plan (Fair Access to Insurance Requirements)PremiumActual Cash ValueLiability CoverageDeductibleReplacement CostWindstorm Insurance
