Insurance Policy Contents

All parts of an insurance policy are important.  An insured needs to understand what is contained in any policy he has.  Texas laws assumes a person has read and understands the contents of his insurance policy. The insuring clause of a policy in the insurance company’s agreement to provide coverage to the insured.  A policy may include several insuring clauses. The 1997, Houston Court of Appeals [1st Dist.] stated in State Farm Lloyds v. Marchetti, that the insuring clause is the foundation of the agreement and forms the basis for all obligations owed to the insured.  Unless this clause provides coverage for a claim, it is unlikely that any other term of the policy will do so. Continue reading

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