Joplin, Missouri suffers direct hit from tornado, claiming at least 24 lives. The scale of the damage appeared to be the worst in this southwest Missouri city. The big question now is: how are the people of Joplin coping up with the situation? Of course it’s not easy. It will never be easy. When a tornado flattens your house and you’re quite surprised that you’re still alive, it’s a sign that there’s still a chance to fix a mistake. What mistake? For not putting your property under home owners insurance. Home owners insurance covers almost all personal insurance protection, from loss of personal possession of homeowners, liability insurance for accidents and content loss. Tornado, hurricanes, flash floods and earthquakes are just some of nature’s way to remind us how fragile we humans are. If you chose to live in the west coast, there’s the San Andreas fault to deal with. The east coast, on the other hand, is a hurricane-prone area. The most catastrophic hurricanes that can form on planet Earth is right there at the Atlantic (remember Hurricane Isabel)? If you’re in the Midwest, a massive tornado like the one in Joplin will surely cause damage to your properties. So regardless where you are in the United States, there’s always something destructive to deal with. Your only protection now is to put your properties under home owners insurance. Make sure to list all the open and named perils you want to cover, because most home owners insurance policies do not include claims due to floods, war and termites infestation. One company that you can try, especially if you are living in a coastal area is Better Property Insurance. This company specializes in providing property insurance for coastal homes. Just like what I mentioned earlier, if you have a house near the beach, you will be dealing with lots of wind and water damages in the event of a hurricane. There’s no way to protect your home against physical damages; it’s hard to start all over again especially when your property is not insured. With home owners insurance, at least Better Property Insurance will pay for the [specific] damages. To learn more about property insurance, or home owners insurance in particular, you can check out Better Property Insurance. Aside from coastal homes, they also cover some areas in the Midwest and west coast. You can get a free quote from their website so you can compare rates with other insurance providers. You can set an appointment with one of their agents to orient or educate you more about the importance of home owners insurance. Of course you might say that it’s just all about “sales” and they will just try to talk you out, convince you to sign a policy and ask to pay the premium but that’s not really the case, considering the chance you can spare yourself from dealing with the “aftermath”. Home owners insurance is all you need to make sure you can start all over again. Without it, you will be back to square one and it will never be easy the second time around unless you’ll be more careful and will consider all available options to protect your home.

About the Author

I’m in the real estate business for 5 years & I specialize on beach properties in South Carolina. I have a broad network of realtors, bankers & builders to help you on your residential or commercial property requirements — hassle-free.Life is Better with a Property Insurance, Life is Better with a Property Insurance

it was really tough for him to learn new words..

so he decided to ask his dad…

“dad i want to learn new words but how”

well billy thats easy…

just cut and mix the words you already know just like milkshake and you will get a new word
“WOW!” said billy..

so next he was walking with his mother and saw two ppl with briefcase in their hands
comming out of a insurance company.

“MOMMY WHO ARE THESE GUYS” mommy said sweetheart”they are professionals”

wow said billy..he learned a new word..

than he saw a couple of kids comming out from a building..”Mommy where they are comming from”said billy..an educational “Institute” mother replied …wow said billy..he learned another new word.

next day he was sitting in his clasroom when his preschool teacher showed up in a very pretty red dress…she asked the class…”kids how do i look”
billy rememberd his fathers advise and instantly replied..

miss williams “your looking PROSTITUTE”…

GIMME A STAR!!if you liked it..

Best answer:

Answer by tessiemae
interesting…lol. =)

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If you think about your apartment like a box, the entire concept of content insurance will make a lot of sense. Picture a really nice wooden box, if you will. The box belongs to a business owner, who happens to let you rent it in order to store your most valuable items. Both you and the business owner are required to insure your parts of that box and its contents. You will insure what’s inside the box, and the owner will insure the actual box. So if a fire destroys both the box and the contents, then both insurance policies will kick in. If the box is broken into and its contents are stolen, your insurance will cover the theft. If a thief takes a sledge hammer to the walls of the box but doesn’t steal any of its contents, then the owner’s insurance will cover the damages.

See how it works? This is exactly what happens with content insurance for apartment renters. However, things can get a little messy if, for instance, the contents of the box damage the box itself. If you, as a renter, are negligent enough that your property – an animal, a burning candle, or an overflowing tub – damages your apartment, you’ll need your insurance policy to cover the damages for the landlord, which is why many landlords actually require their tenants to have renter’s insurance.

Also, as a renter, you need a way to protect the contents of that box that you happen to call home. If you owned your own home, then your homeowners insurance would protect both your box and its contents, but since you don’t, you just need a policy to protect your furniture, electronics, valuables, etc. This is where content insurance comes in. It’s usually very affordable, and it offers coverage against fire, flood, thieves, and more for your property that is in a place you don’t own.

Before you buy this type of insurance, though, make sure that you know exactly what you’re getting. Sometimes, content insurance will insure contents you own even if they aren’t in the box at the time, so you can get insurance coverage on a laptop that gets stolen while you’re traveling. Details like these, though, can be difficult to tease out of an insurance policy, so it’s important to either talk to your agent or spend time looking at your policy to make sure you know exactly what you’re getting.

About the Author

RentersInsurance.net provides US consumers with the opportunity to shop online for apartment rental insurance. Visit RentersInsurance.net to find the best apartment insurance.

– 7 million jobs lost (more than 4 million in manufactur­ing)
– $ 10 trillion of investment­­/retireme­n­t wealth evaporates in the markets
– $ 2 trillion invested overseas in cheaper labor markets than in the US
– First decrease, IN HISTORY, of middle class wages
– Year-to-ye­ar increase in inflation and insurance premiums

Best answer:

Answer by Brian
Probably not but the Bush tax cuts created 4 million new jobs and helped get us out of the Clinton recession..

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RACV Insurance carried out an analysis of accidental damage claims by its members which showed that, in the past four years, more than 50 per cent of such claims related to electronic items such as computers, televisions, mobile phones and cameras.

RACV home insurance General Manager Paul Northey said the growing presence of large flat screen televisions and portable computers in homes resulted in the increasing number of accidental damage claims.

This trend, coupled with the growth in the uptake of interactive gaming at home, has created a high-risk environment, especially for television sets.”Damage to screens made up 84 per cent of all accidental television and computer claims last financial year”.

“Some are the result of the damage caused when TVs or computers are being moved around the home or being knocked down. However, the increase in the use of interactive gaming at home has literally put televisions in harm’s way.”

Mr Northey said that an analysis of member’s claims for the past four years had shown a concerning upward trend in gamers, predominately children, losing control of their hand-held device which would then hit the screen.

“In the heat of the game players may lose control of their hand-held device and send it flying into the screen, which could leave them without a TV set, while it is repaired or replaced.

Continued….

“People do need to take care to avoid damaging their television, or other valuables and furnishings in the room, when they are involved in interactive gaming” he said.

Mr Northey suggests a few simple safety tips:

- make sure all of the electrical cords and cables are secured and removed from the front of the television and the game-playing area

- secure the television on a stable surface and where possible attach it to the wall or bench with the approved fittings

- acknowledge the risk when you or your children are playing interactive games and take the appropriate steps, including child supervision, to prevent damage to your television

- take care when moving your television or computer, or when cleaning them

“If you have active gamers in your home it is worthwhile reviewing your insurance policy to ensure you have the appropriate accidental damage option with your home and contents insurance,” he said.

Five top items replaced*.1) Televisions – 33%2) Computers including laptops – 26%3) Mobile phones and personal communication items – 7%4) Jewellery including watches and rings – 4%5) Photographic equipment and accessories – 3%6) Other: collectables, furniture, homewares, cycles etc – 27%

About the Author

–About The Royal Automobile Club of Victoria (RACV)–The Royal Automobile Club of Victoria (RACV) is run to benefit members through high quality service, great value products and wide range of member benefits. RACV is committed to representing members’ interests in areas such as road safety and mobility, through advocacy and sponsorship of community programs.It also offers a range of insurance policies from comprehensive car insurance and home insurance to travel insurance, with member benefits that include discounts and savings.

Best Cheapest Homeowners Insurance California, Texas, Florida, Pennsylvania, Illinois… www.BestCheapestHomeownersInsurance.com Get the Best Cheapest homeowners insurance Quotes in California, Texas, Florida, Pennsylvania, Illinois, or anywhere in the US from the best home insurance…

A real life story of a Nationwide Home Owner Insurance Company ignoring claims and allowing years of devastation to the Owner’s and LENDER’S real estate.