The presence of cats in a household can impact insurance premiums in certain situations. Insurance companies may consider cats as potential risks to property and liability, as they can scratch furniture, cause allergies, or even bite or scratch guests. While having a cat generally doesn’t significantly increase home insurance rates, it’s important to disclose pet … Read more
Above Ground Water Damage Insurance is a type of insurance that covers damages to your home and belongings caused by water that enters through the roof or other parts of the building above the ground. This type of coverage can be a valuable addition to your homeowners insurance policy if you live in an area … Read more
To succeed against an insurance adjuster, preparation and assertiveness are essential. Gather all relevant documentation, including the insurance policy and any communication with the adjuster. Clearly state your claims and provide evidence to support them. Be patient and persistent, as adjusters may initially offer low settlements. Counter their arguments with facts and reason, using specific … Read more
Having a cat can affect your insurance rates in a few ways. For liability insurance, which covers damages you cause to others, a cat is generally considered a low-risk animal. This means that having a cat will likely not significantly increase your rates. However, if your cat causes damage to someone else’s property, your insurance … Read more
Facultative reinsurance is a type of reinsurance where the reinsurer agrees to cover a specific portion of a particular risk, such as a single property or event. It is non-proportional, meaning that the reinsurer’s liability is not directly linked to the policyholder’s premium. The reinsurer has the option to accept or decline coverage for each … Read more
To protect individuals in case of accidents, third-party insurance for bikes is a legal requirement in various regions. This insurance provides coverage for injuries or damages caused to others and their property. While it may not be mandatory to opt for a five-year policy, doing so offers several advantages. It provides continuous protection over an … Read more
Insurance coverage for laparoscopic adjustable gastric banding (Lap-Band) revision varies depending on the specific policy and the reason for the revision. Some policies may cover revision if the Lap-Band has become ineffective or caused complications, while others may only cover revisions that are deemed Medically Necessary by the insurance company. It’s important to note that … Read more
Insurance is a side bet offered in blackjack when the dealer’s upcard is an Ace. It covers the player’s bet in case the dealer has a blackjack. While insurance may seem like a tempting way to protect your bet, it’s generally not a smart move. The odds of the dealer having blackjack are low, so … Read more
Only two states in the United States do not mandate car insurance: New Hampshire and Virginia. In New Hampshire, drivers are required to demonstrate financial responsibility through a certificate of deposit, a bond, or a surety bond, while Virginia has a no-fault insurance system where drivers are compensated for their own damages regardless of fault. … Read more
The cost of orthognathic surgery with insurance can vary widely depending on individual circumstances. The type of surgery, the extent of the correction needed, and the surgeon’s fees can all affect the total cost. In general, orthognathic surgery can cost anywhere from $20,000 to $50,000. However, with insurance, the out-of-pocket costs can be significantly lower. … Read more