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Also guards against financial obligation or lawsuit in the event of an accident. If you would like to participate please stop by the library, take a leaf from the tree, and bring the donated item back to the library. In property insurance, the policyholder is required to carry coinsurance equal to a specified percentage of the value of property to receive full payment on a loss. It is similar to a Guaranteed Replacement Cost policy, which has no percentage limits. All donations to Catherine McAuley Center, a c 3 nonprofit, are tax deductible. Such attorneys might be solo practitioners or work as part of a law firm. Waiting Period - See Elimination Period. Tips on showing dogs. Appraisal — Process that determined the value of property, or the extent of damage, usually performed by an impartial expert. Earthquake Insurance — A regular Homeowners policy will not include earthquake coverage, but it can be purchased as an endorsement or separate policy. Endorsement — A document, which is attached to the policy and modifies or changes the original policy in some way. Coinsurance — An insurance-related term that describes a splitting or spreading of risk among multiple parties.