Case Locks

What is home insurance, exactly? A Typical policy will cover repairs or even reconstruction of your home if it is damaged by common dangers such as fire, lightning, vandalism, etc. If you live close to a body of water, you might get flood coverage as well. Most house insurance companies will offer coverage that pays for medical and legal expenses if someone other than you or a family member are injured in your yard or in your house.

Some inside items are protected, like your furniture, appliances, walls, and windows, but items such as artwork, jewelry, and other collectibles are not covered – at least in a general policy. Typically, you would have to request special coverage for such items. If you have an expensive collection of art, antiques, jewelry, etc. that you want coverage for, check and see how each homeowners insurance company covers it when comparing quotes.

Another … Read more

Record breaking flood waters have emerged following one of the most devastating hurricanes the US has come to know. In fact, in the south east areas of the lone star state, the majority of homeowners do not even own flood insurance. And who can blame them? There was never a precedent in the locality. Although hail and wind storms are a constant concern for property and business owners, no one imagined that rain waters would contribute to enormous damages as those suffered and broadcast throughout the country in recent days. Surely not the home mortgage companies, for they do not even require it from borrowers!

But now that the toll has risen among the dead and those forced out of their homes seeking shelter, one thing remains clear. When things eventually do settle down, home owners and people in the commercial sector will have to deal with the epic losses … Read more

Drug use in Canada is prevalent to non-existent relying on what you outline as a “drug.” Eleven per cent of the Canadian inhabitants “has a trouble with medicines or alcohol” in accordance to a CBC survey, but this does not include things like people today who use drugs recreationally with no “a issue.” That range, specifically when you contain alcoholic beverages and cannabis, is significantly, considerably increased, and if you contain only men and women with classically-outlined addictions to the illicit drugs, such as crack cocaine and heroin, the variety is considerably, substantially reduced.

In basic, the way coverage companies tactic drug difficulties is based on two key thoughts: is the probable client working with prescription medication presented by the appropriate channels, or are they making use of medications outdoors those channels, and therefore statistically susceptible to specific liabilities.

For the previous, these questions are normally uncovered in the history … Read more

It’s that time of year again where the sun smiles upon us, school is out and the wide, wide world of travel is just a flight away.

So you do some research on vacation options. You book a flight. You reserve a hotel room. And last but certainly not least, you call an insurance agent for an appropriate travel policy.

“Ah,” you think to yourself. “I’m covered from all angles.”

Not so fast, sir or ma’am!

While others like yourself may view the insurance they purchased as a ticket to peace of mind, it’s not always so.

Not every loss scenario that you can envision occurring will be covered.

This articles deals with issues that may arise as a result of not planning ahead or educating yourself properly about insurance issues.

Some Instances when Travel Insurance does not Cover Losses

1. If you think you are smart by buying travel … Read more

If you are an airline traveler, chances are, you have experienced a delay.

Of course, a delay in airplane travel can mean different things to different people. For some, it is a bothersome inconvenience. Still others incur more than this. Business people can lose deals and related money; holiday travelers can lose days of their adventure, students, miss classes and the individual list of damages goes on according to the person.

If you think you have one iota of a chance of a lawsuit, think again.

Airlines do not legally owe you one cent of compensation for any suffering or loss if your scheduled flight is delayed. This is due to the fact that the airlines do not guarantee flight schedules. Of course, doing this would get them in deep trouble because like all of us, they are not capable of changing wind or hail patterns or averting snow storms, … Read more