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Insurance

Insurance comes in a variety of forms. You can insure your car, your home, your personal property, even your life. By paying a periodic premium, you can be protected and even compensated against future loss or damage.

24,776 Questions

How much insurance do you have to have on pit bull?

I have called several different places about liability insurance for a pit bull and they have both said the same thing. If the dog is under 70 pounds and has a no biting record then the rate would be $420 for 6 months and $577.50 for the whole year. In both cases you have to paqy that money up front in order to get the insurance. The names of the insurance companies are Ohio Insurance Exchange and All Seasons Insurance.

Will homeowners liability cover wood damage from termites powder post beetles or other bugs?

Termites and InsuranceLiability insurance is coverage for occurrences in which you might be held financially liable. It is not possible to be liable to ones self. If your seeking coverage for a Wood Structure or Property you would look to a Homeowners Policy or some other coverage form in Property Lines.

If your a Pest exterminator by trade then you may look to a Commercial General Liability policy that will offer you liability coverage for the work or service you perform on premises and completed operations coverage for after the job is done.

Pest ExclusionsUnder Section I - Exclusions of your policy, it will explain that there is no coverage for damage due to rats, mice, termites, moths, or other insects (language varies by state), but there IS coverage for ensuing loss due to collapse of the building or any part of the building. Exterminators LiabilityThe only liability for damage due to termites would be found in a warranty policy from a pest-treatment company who has a contract to treat your home at regular intervals and guarantees their work.

How much does it cost to insure a horse and his rider?

Horse insurance typically starts at abut $40 a month. However, it all depends on the nature of the insurance: * Types. Your insurance may include: death of horse, permanent loss of use of horse, theft of horse, vet costs, trailer, tack, public liability, or personal injury. Insuring one or two items will of course be less expensive than insuring everything. * Amount. Insuring a horse for $5 000 is cheaper than insuring a horse for $500 000. * Deductable. Likewise, if you have a large deductable the insurance premiums will be less than if you have a small deductable. * Current Value or Replacement Value. The value of most things (saddle, tack, trailer) declines over time. Insuring for current value is cheaper than insuring for replacement value, but in the event of a claim you don't get as much. * Conditions. The cost of insurance is often related to the associated terms and conditions. For example, a horse that is insured under all conditions will have higher insurance than a horse that is insured only under some conditions (e.g. not used for competition, does not leave owner's presence). * Horse. Some breeds are more expensive to ensure than others. Likewise, horses being used (e.g. jumping competitions) tend to be more expensive to insure as they are more likely to be injured. If you insure for everything and you have a highly valuable horse, the monthly cost can be very high. The fastest way to find out is do a search on 'horse insurance' and fill out one of the online forms that gives an immediate quote. Check the link below for advice on how to get the most suitable insurance and what potential issues to be aware of.

If your refrigerator leaked water and ruined your ceramic tiled floor will homeowners insurance cover the damage to the floor?

It depends on the language of your policy. If you have an HO-3 policy the leak should be covered under the policy. Some policies exclude water damage so you should have your agent review your policy for you before calling your insurance company.

Where can one find information about home insurance prices in Chicago?

The best best place to find home insurance in Chicago or any city for that matter is Allstate, State Farm or Farmers Insurance. If you bundle home and car insurance together they offer you a discount.

Does homeowner insurance cover kitchen cabinets falling off the wall?

Homeowners insurance would cover repairs for the cabinets if they fell off the wall as a result of a covered peril on your policy such as Fire, wind, hail, etc.

If your cabinets fell off the wall because they were poorly installed or just old, then no, that would be a home maintenance issue.

Where could one find life insurance quotes for a 45 year old smoker?

Finding life insurance quotes isn't as big a job as it was before the Web came along, but it can still be frustrating. For example, if one is a 45 year old smoker, the quotes may not be cheap and there may be fewer choices. A good place to start is by obtaining a quote from a well-known insurance provider, or through a local independent insurance agent. Getting quotes on line is simple, but one must take caution that the service being used will not abuse the information obtained.

Where can one find information on home fire insurance?

Home insurance can be purchased from a wide variety of insurance companies such as Tesco Insurance, GEICO and Esurance. Once can generally get a quote online by filling in one's details, and can apply for coverage by submitting a form confirming one's interest.

What are the insurance requirements for a restaurant?

Check the following:

1. Yourself or your attorney review your lease or mortgage regarding property and liability insurance requirements. (Property and Liability Risk Exposures)

2. Review any contracts you may have with Franchisors, Property Managers, Lessors of Leased Equipment, Government (normally permits), Utilities, Neighbors, and other contracts such as Independent Contractors or special service vendors.

3. Contact your Department of Industrial Relations, Department of Insurance, Labor Board, or similar government agencies to see what requirements exists for workers compensation (workman's comp).

4. Contact your state agency and local jurisdictions to see if there are financial posting requirements for sales tax.

5. Contact all the utilities you will be dealing with as to their credit requirements so see if they will require a bond.

6. One area that is often overlooked is the Named Insured's (owners, partners) own requirements. A good rule of thumb is to insure the liability limit equal to the owner's collective net worth plus a modest cushion; a minimum liability limit would be $1million in today's market.

Overall, your best resource really is an experienced insurance agent that specializes in insuring restaurants, and your legal counsel. Get together a "team" including accounting, insurance, legal, marketing, human resources that can advise you. Often, experienced restaurant vendors can recommend other service providers.

Once all of your requirements are in place, let your insurance representatives help you by binding coverage to meet their requirements and sending evidence of insurance to satisfy those contractual needs.

Where can you find information concerning the terms and conditions given by specific life insurance claims?

Making a life insurance claim is rarely an easy, uncomplicated event. Each policy is different, each insurance company is different, and every claim situation has different clauses and conditions. Since there are so many factors to consider, the best way to find out information is to contact your insurance provider directly. They can send you documents listing the terms and conditions of your specific type of insurance and answer any questions you might have.

What are some names of companies that offer restaurant insurance?

Restaurant Insurance is offered by companies such as Nationwide and RAC. If you wish to find better offers in one place, then CompareTheMarket is a useful site.

Does your home insurance increase if you claim a kitchen fire?

Depends. If you have a spotless record, more than likely you will have the credits (discounts) from your policy removed. The policy doesn't really go up, you just loose your "Percentage Off the Retail".

Don't be fooled-- in other words, "yes." If you're used to paying [x], and now you're paying [x+100], then YES you're paying more. Credits are the agents' ways of giving you a discount for good behavior, but they do not continue giving those credits when you have an accident.

Does insurance cover smoke damage?

If it is the result of a fire, the homeowners insurance should definitely cover it. But if it is something like a fire in a chimney flue, maybe not. That is considered routine maintenance. If it isn't done a claim might not be valid. Perhaps you can find some information in your homeowners policy or contact your insurance provider.

If it's the result of a smoker living in the home, meaning you have nicotine and smoke stains from cigarette smoking, then no, that would not be covered.

It should be covered, no problem. There are many companies out there who specialize in taking care of smoke damage to furniture, clothing, etc.

If the smoke damage is from something sudden and accidental then yes it should be covered. If it's from cigarettes then no, it's not covered.

How long does it take for nicotine to leave the body to pass an insurance blood test?

Nicotine does not show up on any type of drug test.

accually they have nicotine test, and it usually takes 7-11 days.

How long to get chewing tobacco nicotine out of your system for life insurance quote?

How long it takes chewing tobacco nicotine to get out of your body depends on the person. In some cases it gets out sooner than others. It could be as short as 72 hours for it to leave the body ,or as long as 96 hours.

The three types of hazards that make food unsafe are?

Biological hazards -- bacteria, viruses, parasites, some molds, poisonous plants, poisonous mushrooms, and seafood that naturally contains toxins.

Chemical hazards -- pesticides, food additives, preservatives, cleaning supplies, and toxic metals (lead, copper, brass, zinc, antimony, and cadmium) that can leach into food through cookware, equipment, or plumbing lines.

Physical hazards -- foreign objects that accidentally contaminate food that include hair, metal staples, broken glass, bones, needles, dirt, wood, nails.

Where can you find more information about direct line home insurance?

You can find information about the company Direct Line home insurance by visiting their website or calling their phone number. Additionally, you can ask your friends if they are satisfied with this company's performance.

How do you choose the right life insurance coverage?

When choosing the right life insurance coverage, you consider what your goals are for buying life insurance, what are you trying to accomplish? Then, consider how much coverage you need, what you can afford, how long you need coverage, and compare rate quotes from multiple insurers. Also, review the financial ratings to find a safe, secure insurance company that can pay their claims. Make sure you compare permanent life insurance to term life insurance. These are the two basic types of life insurance.

Whats the value of a Mickey Mantle signed official Reserve Life Insurance baseball?

A Mickey Mantle signed Reserve Life Insurance company baseball card is worth about $150. -$250. Value is based on average prices of recently closed auctions. Prices may vary based on condition, and the type of authenticity that accompanies the signature. Signatures that have not been properly authenticated could sell at half the market value or less In the early 1980s Mickey Mantle worked as Director of public relations for the Dallas Reserve Life Insurance Company. Mickey Mantle was the guest of honor, and speaker at numerous events, and insurance association business meetings. Reserve Life would hold quarterly insurance association meetings in Dallas, Texas and Mickey was the guest speaker in 1984/85. At these events Mickey would personally sign these 4" x 6" sized baseball cards. The baseball "business" cards were also used to help promote the Life insurance company. Sometimes Reserve Life would also send these cards through the mail signed by Mickey Mantle. Foe more information on this card, and baseballs that were used as promotions as well ,see Related Links below.

How much does it cost to get bonding insurance?

The real question is not the cost, but can you qualify for the bond. This applies to cotract performance bonds. If you are referring to permit bonds they are easy to get and cost about $100. However, do not confuse the difference between bonding and insurance. Wth a bond you will agree to repay the bonding company if they incurr any expense or pay any claim from the bond. On an insurance claim you do not repay the insurance company if they pay a claim on your policy unless you have a deductible.

How can you find a car insurance provider for a car?

howdo i find the insurance provider for a person in was in an accident with n now can not get in contact with

Why do you want to join a group?

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Where can you get a term life insurance quote from?

You can normally get quotes online, there are a number of sites that offer life insurance quote comparisons so you can compare a wide range of quotes. Depending on your country there are normally several options available.