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You should take out a policy for earthquake insurance.
The delivery of these equipment are depending on the company. You can call the company you plan to purchase from and find out their policy.
You can purchase a device that is specifically made to prevent surges coming through your electrical lines and effecting your computers and equipment. I also highly recommend checking to see if you have a clause in your home owners insurance policy to cover this in case it happens.
Only if he is agreeable to allowing you to purchase the policy. He would be required to sign the application as the proposed insured and you would sign as the owner if you plan to keep the policy yourself. You cannot take out an insurance policy on someone without their knowledge and there must be an insurable interest.
If you mean can you pay for the other persons ( the owners ) insurance policy yes. If you mean can you insure it for yourself no.
An electrical device used to protect electronic devices against power fluctuations against power surges by tripping or blowing before those devices can be damaged. They are a very low cost insurance policy built in to equipment to protect it against costly damage.
If your policy limit is 300k then the insurance company will pay them that portion and you will be liable for the rest. If you really want to cover yourself for more than those limits, I would purchase an umbrella type policy that covers over the policy limits.
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Whenever you want the added equipment covered you need to have it added to your policy. Equipment that did not come with the vehicle from the factory need to be added on a separate rider adding coverage for these items so that they are covered.
Usually a lender will only request a basic Lender title insurance policy. While there is an enhanced lenders policy, the lender usually only requires a basic policy for there protection. The Loan policy is usually based on the dollar amount of your loan. This policy only protects the lender interest in the property if problems arise on title. Because the Lenders policy only protects the lender up to the loan amount that is taken, it is a good idea to look into getting an owners policy to protect the buyer of the property, this policy is based on the purchase price of the property, and will help protect the equity that is built over time.
Two million dollars is the common amount that most chefs begin with. It is important to have a comprehensive policy to protect yourself in case you are sued.
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