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Homeowners Diminished Moral HazardYes, If your home has deteriorated due to lack of maintenance or upkeep your Insurer may cancel or not renew your Home Insurance Policy due to what they consider a diminished moral on the part of the homeowner. In layman's terms a "Moral hazard" would translate into a lack of enthusiasm in your home ownership or a diminished will to maintain your home and property.Remember that your Homeowners Insurance Policy is hazard or perils coverage. It is not a home warranty or a maintenance program.
It is a composite insurance policy(:
The Policy Holder of a life insurance policy is the executor of the said policy.
call them and ask them to fax your insurance policy.
Depends on the state and your insurance policy. call your local agent.
It is not important to have a life insurance policy.
You really need to find a balance of cheap prices while insurance policy, the better insurance policy you get, the more expensive it gets. But the cheaper price the policy, the effectiveness of the policy will suffer.
A paid up insurance policy is a life insurance policy under which all life insurance premiums have already been paid, with no further premium payments due on the policy.
A fire Insurance Policy is Fire Insurance for the covered property indicated on the policy.
Yes, your agent or the insurance company can provide with a copy of your insurance policy.
Supplemental insurance is an additional insurance which provides coverage in excess of your primary insurance policy. For example, Flood Insurance is a supplemental insurance to your homeowners policy which does not cover damage from floods. Or, you might have an Umbrella Liability policy which provides coverage to a higher dollar limit above your auto policy or business policy.
An insurance policy and a will are two separate things. The policy is a contract between the insured and the insurance company. The beneficiary of the insurance policy is spelled out in the contract. The insurance company will pay the insurance proceeds to whoever is listed to receive the proceeds. The proceeds from an insuranc policy can be paid into the estate of the deceased and disbursed according to the terms of the will. The issue is who is listed as being the beneficiary of the insurance policy.