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Homeowner's Insurance

Homeowner's insurance is a kind of property insurance, which offers both property and liability coverage. Here, a single premium covers all risks. It applies to private homes and requires that at least one of the insured occupies the home.

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Is there a stigma on Modular homes?

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Asked by Wiki User

There is no stigma for modular homes that I know of,but a lot of people are miss informed about modular construction. Most people are confusing mobile homes with modular homes and there is a stigma about mobile homes and mobile home parks. Another confusing part is the term that is used to describe mobile homes. The term "Manufactured Housing" has been adapted by the mobile home industry to alleviate the stigma of mobile homes. Of course uninformed people bundle modular homes in this mix since modular homes are constructed in a manufacturing facility and are transported, but that is where the similarity if any ends.

What does PPC in PPC campaign stand for?

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Asked by Wiki User

Hey there, fellow marketers and digital enthusiasts! Today, we're going to dive into the fascinating world of PPC campaigns and uncover the mystery behind those three little letters. So, what does PPC in PPC campaign stand for? Let's find out!

PPC, which stands for Pay Per Click, is a term commonly used in the realm of digital marketing. It refers to an advertising model where marketers pay a specific fee each time their advertisement is clicked. In simpler terms, PPC is a way to buy website traffic rather than acquiring it organically.

Nowadays, PPC is an integral part of any successful digital marketing strategy. With the rise of social media marketing and search engine optimization (SEO), it has become essential for businesses looking to maximize their online visibility and drive qualified traffic to their websites.

So, how does PPC actually work? Well, it all starts with selecting the right platform where you want your ads to be displayed. Popular platforms include Google Ads, Bing Ads, Facebook Ads, Twitter Ads, and LinkedIn Ads. Each platform has its strengths and audience, so it's crucial to research and choose the one that aligns with your objectives.

Once you've decided on the platform, the next step is to identify the keywords and phrases that your target audience is likely to search for. For example, if you're selling organic skincare products, your keywords might include "natural skincare," "organic skincare," or "vegan skincare." These keywords will trigger your ads to appear when potential customers search for related terms.

Now, let's talk about the magic behind PPC campaigns, and that is the bidding process. Advertisers compete against each other to have their ads displayed by bidding on keywords relevant to their products or services. The higher the bid, the more likely your ad will appear in a prominent position.

It's essential to strike a balance between bidding enough to secure a good position for your ad and budgeting your campaign effectively. Careful optimization is the key here, ensuring that you're getting the most out of your ad spend.

One advantage of PPC campaigns is the ability to track and measure the performance of your ads. Modern advertising platforms provide detailed analytics and insights, allowing you to monitor clicks, conversions, and other essential metrics. This data enables you to make data-driven decisions about your campaign and optimize it for better results.

While PPC campaigns can bring immediate results and drive targeted traffic to your website, it's crucial to remember that they shouldn't be standalone strategies. Instead, they should be part of a holistic digital marketing plan that includes other elements such as SEO, social media marketing, and content creation.

By combining PPC with other tactics, such as optimizing your website for search engines and engaging your audience through social media, you'll create a powerful online presence that increases your chances of success. Embrace the synergy between these different digital marketing approaches to maximize your results.

In conclusion, PPC - Pay Per Click is an effective advertising model that plays a significant role in the world of digital marketing. By carefully selecting keywords, bidding strategically, and optimizing your campaigns, PPC can help you achieve your business goals and boost your online visibility. Remember to integrate PPC with other elements of digital marketing, such as SEO and social media marketing, to create a robust and well-rounded strategy.

Now that we've demystified the meaning of PPC, go ahead and explore this powerful tool, experiment with different platforms, and unleash the potential of your digital marketing campaigns. Happy

Roof Repair?

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Asked by Wiki User

form_title=Repair Your Roof form_header=Hire a roofing contractor to coordinate repairs. Describe the problems with the roof:=_ Do you have any chimneys or skylights?= () Yes () No Will the repair costs be covered by insurance?= () Yes () No

What does it mean when your insurance company says your policy has been cancelled for lack of underwriting information?

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Asked by Wiki User

When an insurance company states that your policy has been cancelled due to lack of underwriting information, it means that they have not received the necessary information or documentation required to assess and evaluate the risk associated with providing insurance coverage to you. Underwriting information typically includes details about your personal and financial background, as well as any additional information relevant to assessing your insurance application. Without this information, the insurance company cannot properly determine the level of risk involved in insuring you, leading them to cancel your policy.

Whose homeowners policy pays for storm damage?

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Asked by Wiki User

Typically, the homeowners policy of the homeowner whose property is damaged by a storm would pay for the storm damage. However, coverage may depend on the specific policy terms, deductibles, and limitations. It is best to consult with your insurance provider to understand the extent of coverage and any applicable exclusions.

Does homeowners insurance cover contract laborers injured on ones property?

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Asked by Wiki User

Let's face it, in today's "Sue happy climate" you can be sued for anything and lose. Yes to your question, however, you personally would not be responsible as the claims would be paid out of your homeowners liability coverage which does not count against you (altho you would be responsible for any shortfall). Would not it be prudent tho to hire a contractor that is properly insured and licensed? Regarding your home insurance, you should have no less than $500,000 liability coverage. I am hiring a contractor to re-shingle my home and he does not have workman's compensation for his employees. If an employee is injured on the property will I as the homeowner be responsible financially for the medical expenses and pain and suffering? Based on my understanding the California case, if the contractor is unlicensed. you can be liable. http://www.constructionweblinks.com/Resources/Industry_Reports__Newsletters/20080218/cali.html

Who is responsible for cleaning up a tree that has fallen?

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Asked by RickElstonfb1235

Negligence

However, there is an "if" to that question as with many insurance issues. If the tree was normally healthy and the wind blew it down is the first area to consider.

1- Your insurance company would not pay for damages to the neighbor simply because you have no legal liability to the neighbor for the act of nature that caused the loss. Your first-party insurance is specific to you and your property, not his.

If the tree was obviously dead and you had prior notice from obvious observation or actual notice from the neighbor (usually by certified mail) of the dangers, you would have had a duty owed to the neighbor to abate that danger or hazard. Your failure to abate the danger would be the causal relationship to his damage.

2- In the above case, the insurance carrier would possibly pay for the damage to the neighbor out of the liability portion of your policy. The reason for this is the verbiage: "we will pay all sums you are legally liable to pay" in the liability section of the policy.

Disclaimer: This is general in nature and should not be used in any specific case or tort. Each carrier and each jurisdiction may have varying opinions in this area.

3. Furthermore, if your own insurer paid the claim resulting from the fall of a neighbor's tree, the payment would be subject to the policy deductible. The deductible is the amount set forth in the policy that you have agreed to pay toward the repair of a covered loss. In return for its payment, the insurer would succeed to whatever rights that you had to recover its payment, which is a process called subrogation. You are not a party to that action (unless you choose to be in order to recover your deductible), but you are likely to be a witness at any trial that is held.

What is the List of dog breeds not covered by house insurance?

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Asked by Wiki User

Most insurance companies will not offer you a policy if you own a Pit Bull, Rottweiler, Doberman Pincer, German Shepherd, or other similar breeds or a mixture involving any of these. Also any animal that has any bite history. The also want to know if you own any exotic pets. Most companies will deny your policy completely. I have only two that will offer you a policy but you have to sign an exclusion for animal liability. They will cover everything else except injuries due to animals.

If your dog mauls your neighbors cat will your insurance pay for the cats medical bills?

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Asked by Wiki User

Yes, most Homeowners Ins will pay for acts that you or your animals are Liable for. Most Compainies also include a damage to property to others coverage, in the amount of $500. This is a goodwill coverage that is supposed to keep you from being sued for liability coverage. Call your Agent or Company Customer service and ask them about those specific coverages. Good Luck.. If they wont be helpful, call your state insurance commissioner and ask them. That will motivate them without "wasting 25 to 40%" paying a lawyer for coverage you already paid for once!.

Is dog urine covered by home owners insurance?

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Asked by Wiki User

I believe in most any situation that carpet damaged by a dog will not be covered. Of course it will depend on the actual policy and what happened but in most if not all cases this type of damage would not be covered.

Can you claim rat damage on your house insurance?

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Asked by Wiki User

you can but its not covered so I wouldn't bother

Will homeowner insurance cover wood pecker damage?

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Asked by Wiki User

Probably not. Homeowners usually do not pay for damage caused by pets, wear and tear nor common maintenance issues.

Will insurance pay for dog that died in home fire?

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Asked by Wiki User

NO Please better state your question. Fair? Fair Plan? Who kills your dog? Who pays for it?

Can cats get sick from mold?

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Asked by Wiki User

YesI live in a basement apartment, and our windows are covered in black mold. My cat liked to sit in the window sills a lot. One day I came home to him frothing at the mouth, dialated pupils, running around like a mad man. I took him to the vet... He was having cluster seizures. The eventually got worse.. turned into grand mal seizures. After spending over $2000 on vet bills, trying to get him back to normal, we ended up having to put him down 2 months later. The vet said the mold could have possibly been a factor, because my cat exibited the same symptoms as a human would with mold toxicity. Be very careful with mold. I'm almost positive it killed my cat.

Yes, it's even possible to get severly ill from certain types mold. Yes, cats can get sick from mold exposure. My cat lost 40% of her fur and coughed up hairballs everyday until we figured out that we had a mold problem. Yes they can, and from any fungi growing as one of my cats eat a mushroom that grew up from under the floor, and she had bad diarrhea, and lost weight I thought I was going to loose her but with good care she pulled through and put on weight after 3 weeks

Do pit bulls increase your insurance?

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Asked by Wiki User

Home Insurance and Pit Bulls

The question should not be - will it go up? The question should be, will they insure you "AT ALL" any more? Most insurers these day avoid providing all risk home insurance coverage for owners of certain dog breed types.

Many Home Insurance Companies nowadays automatically exclude coverage for injuries or damages related to pets, especially certain dog breeds.

There are many pet owners out there who are confident that their pit bull would never injure a person. However, the statistics prove that they will. It's not the dogs fault, it was bred in and is simply endemic to the breed.

From an insurance companies point of view, it could be a pretty big liability to them and that is understandable, BUT I think they should at least do some sort of checking into it, like weather the dog has bitten anyone in the past or things like that, instead of just dropping it like a hot brick!

However, to clarify, almost all major insurance carriers reserve the right to withhold payment on any animal attack claim for the insured homeowner if the animal involved was either a pit-bull or one of the other 9 dog breeds on the standard list of breeds listed because of number of attacks on humans or other animals. This said, the owner will still be held liable and civil action in such suits can incur the sale of property to satisfy the claim awarded by the court. This is something to consider since many claims against pet owners after an attack may reach a sum of tens of thousands and perhaps hundreds of thousands of dollars. Or more.

Most insurance companies will ask, but never actually check.

Nationwide will insure your home if your pit-bull has passed the Canine Good Citizen program.

However, a standard waiver form may still be required which will release the insurance company from claims concerning animal or human attacks. In addition, since you have indicated to the agent that you do own such an animal, the insurance company can use that to cancel you at any time and to withhold claim payment for any animal attack issue.

Actually insurance companies always inspect a dwelling upon a new policy being written. You may not be aware of the inspection. Nationwide contracts out inspectors to inspect new insured dwellings and most times will preform inspections prior to renewal.

Note: You should always be up front and NEVER knowingly provide false or misleading information when it comes to an insurance contract. You are paying premiums for protection in the event of a loss. You don't want to jeopardize a claim with a misrepresentation. And no, Nationwide will not write a homeowners policy if you have a pit bull.

Will home insurance cover dog damage in home?

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Asked by Wiki User

Yes. I used to work for an Insurance company in the claims department. It will be covered under the section "personal property" of your Homeowners policy. You will however have to pay your deductible. If the deductible exceeds the amount to replace the item, the company will not pay. If it costs more then your deductible to replace it, then the company should issue a check for the remaining amount. So if it costs $2000 and you have a $500 deductible, you should get $1500.

Does homeowners insurance cover wood damage and chewed wires caused by squirrels?

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Asked by Wiki User

Yes, Careful when you place a claim tho. Too many and they can cancel your insurance and it makes it hard to get coverage in the future. When a squirrel fell into a plumbing vent and clogged my vertical waste pipe, State Farm said damage from vermin is not covered and sqirrels are vermin.

Does homeowners insurance cover pets for injury?

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Asked by Wiki User

Property damage from petsIf the damage is to your own property, no, this would be normal expected wear and tear incidental to pet ownership.

If the damage is to someone else's property, maybe, depending on whether you have liability coverage and that you do not have an animal exclusion on your policy.

Did your dog get loose from the house or yard? Was the property that was damaged at your own house? There is not enough information here to give a good answer.

Can you sue homeowners insurance for pitbull attack?

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Asked by Wiki User

As a responsible owner, you should always assume that everyone is looking for a reason to sue you. And people can and will sue you for ANY reason under ANY circumstance. That does not mean they will win, but you don't want the hassle. Always crate your dog, whether pit or any other breed, when new people enter your house. An ounce of prevention.................

Does my homeowners insurance cover a neighbors dog attacking my dog?

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Asked by Wiki User

Not usually. The neighbor's homeowners insurance would cover it underneath their liability insurance.

How can i tell if it my coat is sable or mink?

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Asked by Wiki User

A mink coat will normally cost $3000 to $15,000. There are American and European minks.

A sable coat will cost much more, typically $30,000 on up to around $300,000 +.

The sable is the most valued and rare of all furs. It is native to Russia and the most valuable fur is that of the winter coat when the fur is darker and longer.

Sable fur is unique among furbearers because it retains its smoothness no matter in which direction it is stroked. The fur of other furbearers on the other hand will give an impression of roughness when stroked in the opposite direction of the grain.

Only extremely wealthy people or some world stars like Madonna have sable on their shoulders. Only top designers like Chanel or Ferre dare to use it in their collections. Generally, sable is combined with high quality fabrics and used for small pieces giving an aristocratic look, such as stoles or for trimming.

Does homeowners insurance pay for bee removal?

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Asked by Wiki User

Not likely. Under not covered items the section reads; Nesting of infestation, of discharge or release of waste products or secretions, by insects, birds, rodents or other animals.

This is from American Hallmark but I'm guessing is pretty standard language.

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

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Asked by Wiki User

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.

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

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Asked by Wiki User

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.

How much does food cost yearly?

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Asked by Wiki User

a lot try looking it up on a different wed site if nobody answers on this one