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Insurance Facts

Auto Insurance Definitions

Auto Packages & Features

Bodily Injury Liability

Coverage AA

Typically provides coverage for damages which an insured person is legally obligated to pay because of bodily injury to others arising out of a covered loss.

Property Damage

Coverage BB

Typically provides coverage for damages an insured person is legally obligated to pay due to damage to, or destruction of , the property of others arising out of a covered loss.

Medical Payments

Coverage CC

Typically provides coverage for reasonable expenses incurred by an insured person for necessary medical treatment, services, or products provided to an insured person for bodily injury caused by a covered accident.

Uninsured Motorist Insurance

Coverage SS

Typically provides coverage for certain damages which an insured person is legally entitled to recover from the owner or operator of an uninsured auto because of bodily injury sustained by an insured person in a covered loss.

Underinsured Motorist Insurance

Coverage SU

Typically provides coverage for certain damages which an insured person is legally entitled to recover from the owner or operator of an auto which does not have adequate insurance because of bodily injury sustained by an insured person in a covered loss.

Collision Coverage

Coverage DD

Typically provides coverage for a covered direct and accidental loss to an insured auto from a collision with another vehicle or object, or by upset of the auto. (Frequently required if you have a car loan.)

Comprehensive Coverage

Coverage HH

Typically provides coverage for a covered direct and accidental loss to an insured auto not caused by collision. Coverage typically includes, among other things, loss caused by fire, theft, hail, flood, or vandalism. (Frequently required if you have a car loan.)

Towing and Labor Costs

Coverage JJ

Typically provides coverage for costs of labor performed at the initial place of disablement and for towing made necessary by the disablement of your insured auto, up to a limit shown on the Policy Declarations.

Rental Reimbursement

Coverage UU

If an insured has a covered collision or comprehensive loss, this coverage will typically provide coverage for an insured up to a certain dollar amount per day for the cost of renting an auto from a rental agency or garage. Allstate does not pay mileage charges.

Value Plan

Allstate’s most affordable and convenient insurance plan.

  • Requires participation in Allstate Easy Pay Plan
  • Not eligible for any Accident Forgiveness programs

Standard Plan

Quality insurance at an affordable price.

Accident Forgiveness (after five years for eligible customers)

Gold Plan

More features and rewards than the Standard Plan.

  • Accident Forgiveness (for one accident every three years)
  • Deductible Rewards

Platinum Plan

Allstate’s most innovative and comprehensive package.

  • Accident Forgiveness (for multiple accidents)
  • Deductible Rewards
  • Safe Driving Bonus

Accident Forgiveness

Helps keep your rates from going up just because of an accident. Some policies make you earn this feature over time, but it’s available on day one with our Gold and Platinum Plans.

Deductible Rewards

Immediate $100 off your collision deductible- with the opportunity to increase the reduction over time to as much as $500.

Safe Driving Bonus

Gives you the opportunity to earn up to a 5% credit that can be applied toward your renewal premium. That’s in addition to any savings you may qualify for through Allstate’s safe driving discounts.

New Car Replacement

Allstate will help pay to repair your car without a deduction for depreciation. Or, if your new car gets totaled, you can get it replaced with a brand new one. This coverage also provides Gap Coverage for your lease/loan for the first three years.

Property Insurance Definitions

Property Packages & Features


Coverage A

Dwelling Coverage provides coverage for your dwelling and all attached structures. In addition, construction material and supplies that are being stored at the residence premises for use in connection with the dwelling. However, wall to wall carpeting is only covered if it is fastened to the dwelling.

Other Structures

Coverage B

Coverage B covers structures at the residence premises that are separated from the dwelling by clear space. It also covers structures connected to the dwelling by only a fence, utility line, or similar connection.

Personal Property

Coverage C

All of the policies have coverage for personal property. Personal property is all of the items that would fall out of your house if you picked it up, turned it upside down, and gave it a good shake. Items like furniture, clothing, jewelry, and other things. Personal property is not real property. Real property, as defined by Black’s Law dictionary is land and property permanently affixed to it, such as a building.

Family Liability

Coverage X

Liability Insurance helps protect you against the financial uncertainty arising from injury (or property damage) that you or your family may cause to other people. It typically even covers injuries whether they happen on or away from your property.

Guest Medical Protection

Coverage Y

Guest medical coverage, included in most residential insurance policies, provides protection for your guests, should they be injured in or around your home accidentally.

Scheduled Personal Property

For an additional premium Allstate will pay for a loss or damage to the personal property of an insured person as scheduled on an open peril basis, except as limited or excluded in this endorsement. The amount of insurance and the premium are shown on the Policy Declarations. This is different from the Coverage C in the property policies because Coverage C covers losses caused by named perils only. Most scheduled property is covered anywhere in the world. Deductibles do not usually apply to items scheduled on the SPP unless the customer selects a deductible.

Gold Protection Package

More Features and coverages than the Base Protection Package

  • Claim Free Bonus
  • Guaranteed Renewal for Claims
  • Coverage Cushion (BSREL) extends your limits an additional 20% in the event of a covered loss to your home
  • Contents coverage equal to 75% of dwelling limit

Base Protection Package

  • Contents Coverage equal to 60% of dwelling limit

Claim Free Bonus

You’ll receive up to 5% toward your renewal premium after you have gone 12 months without a claim.

Claim RateGuard

Your rates won’t go u[ just because you file a claim. (This feature applies to one claim every five years.)


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21469 N 78th Ave #155, Peoria, AZ 85382
Phone: (623) 561-0445



The Kirk Borg Agency is a full service insurance provider servicing Arizona for over 30 years. Auto, Home, Life, Health & More! Request a quote today to get started.


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