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insurance terms that start with ‘s’

Salvage title

A salvage title is typically assigned to a vehicle that has been deemed a total loss at some point in its history because it suffered extensive damages, like water damage. Due to the added risk, coverage can be difficult to obtain for salvage-title cars, and the value of salvage-title vehicles can be significantly lower than clean-title vehicles.

See also: total loss, VIN

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Protecting your car from flood damage and filing a claim

Second home

A second home (also known as a vacation home or secondary residence) is any home you own that isn't your primary residence. Second homes are often used as vacation homes, guest houses, or rental properties.

See also: investment property

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Secondary coverage

Secondary coverage (also known as secondary insurance) helps pay for expenses and damages not already covered by your primary coverage.

See also: primary coverage, liability coverage, umbrella insurance

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Myth: car insurance follows the driver

Secondary driver

A secondary driver is an insured driver who isn't a car's primary driver. A secondary driver is sometimes known as an occasional driver in auto insurance terminology.

Scooter insurance

Scooter insurance (also known as moped insurance) is insurance that covers motorized bikes with engines that are smaller than motorcycle engines, such as Vespas. Scooter insurance coverages may include personal liability, collision, and comprehensive. Generally, a motorized bike with an engine smaller than 50 cubic centimeters is considered a scooter.

See also: motorcycle insurance, all-terrain vehicle insurance

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Scooter insurance
ATV insurance

SEA-DOO® insurance

SEA-DOO insurance (also known as personal watercraft insurance) is insurance designed to protect your SEA-DOO or other personal watercraft in the event of an accident. A SEA-DOO is a personal watercraft similar to a Jet Ski® or a WaveRunner™.

See also: personal watercraft insurance, boat insurance

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Personal watercraft insurance quotes

Segway insurance

Segway insurance (also known as Segway scooter insurance) is a form of property and casualty insurance that covers Segway personal transportation devices. Segways are 2-wheeled, self-balancing, motorized scooters riders stand on to operate. Common coverage types, such as liability, collision, and comprehensive, are available on many Segway insurance policies.

See also: scooter insurance, motorcycle insurance, recreational vehicle insurance

Single limit

Single limit coverage (also known as blanket coverage) takes your liability coverage limits and lumps them all together. So, instead of having a $25,000/50,000/25,000 split, you'd simply have a $100,000 limit per accident.

See also: bodily injury liability coverage, limits, liability coverage

Related link

What is liability coverage?

Smartphone app

A smartphone app is a mobile software application that you can download and run through an app-capable mobile phone like an iPhone® or an Android™ device.

There are myriad smartphone apps, all designed to perform specified functions. A few common smartphone apps include those dedicated to GPS navigation, games, music, and organization. Esurance offers a free app for iPhone and Android that allows customers to manage policies; file a claim at the accident scene; find repair shops; track repairs; and locate local services like tow trucks, taxis, food, and more.

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Esurance mobile app

Snowmobile insurance

Snowmobile insurance (also known as snow mobile insurance) is insurance that you can buy for your snowmobile to protect you and it in the event of an accident. A policy may include injury and property damage liability coverage, as well as comprehensive and collision coverage.

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Snowmobile insurance quotes


A specialist, when used as a term in the insurance field, refers to an insurance professional who possesses a distinct and advanced knowledge of a particular type of insurance or company practice. A shopper with in-depth questions regarding car insurance options may seek the advice of a car insurance specialist.

See also: broker, agent

Specialty insurance

See recreational vehicle insurance.


An SR-22 is an official document that shows proof of financial responsibility. Departments of motor vehicles may require an SR-22 or a similar form for people convicted of certain traffic violations, like a DUI. An SR-22 can be filed only in the state your policy is issued in.

If you require an SR-22 on your Esurance policy, please call our customer service team. We can be reached 24 hours a day, 7 days a week at 1-800-ESURANCE (1-800-378-7262).

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An SR-26 insurance form is documentation filed by an insurance company when a policyholder no longer requires an SR-22 form or the form expires. The form is sent to the state DMV.

See also: SR-22, uninsured motorist bodily injury coverage, uninsured motorist property damage coverage, underinsured motorist property damage coverage, underinsured motorist bodily injury coverage, uninsured/underinsured bodily injury liability coverage


Stacking (also known as stacked insurance) is an option available in certain states when you buy uninsured/underinsured motorist bodily injury coverage, which changes the limits for this type of coverage.

Some states have unique definitions of stacking, but in most states, stacking uninsured/underinsured motorist bodily injury limits increase by the number of cars you're insuring. If you buy $50,000/$100,000 limits for uninsured/underinsured motorist bodily injury coverage, choose stacking, and insure 2 cars, stacked limits for this coverage then equal $100,000/$200,000.

See also: non-stackable insurance, uninsured motorist bodily injury coverage, underinsured motorist bodily injury coverage

Steering restraint

A steering restraint is a durable collar or shield fitted to the upper and lower casing of your car's steering column. The collar makes it harder for potential thieves to access, or "hot-wire," your car's ignition system.

You may qualify for a car insurance discount if your car is fitted with a steering restraint.

See also: antitheft recovery system

Related link:

Car insurance discounts

Supplemental family member liability coverage

Supplemental family member liability (SFML) is an optional car insurance coverage available only in Maryland. It can offer financial protection if you're found to be at fault in an accident resulting in injury or fatality to a family member.

The amount covered by SFML is equal to the bodily injury limits purchased. If the amount of SFML coverage is less than a policy's bodily injury limits, then it is equal to the state's minimum requirements of 20/40.

If you're in Maryland and would like to add SFML coverage to your quote or policy, please call us at 1-800-ESURANCE (1-800-378-7262).

SUV insurance

See utility vehicle insurance.