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Commercial lines insurance is general insurance that is similar to personal lines insurance in that it can include both property and casualty coverages. The difference between personal lines and commercial lines insurance is that personal lines protects people engaged in their own non-work related ...

People own breeds prohibited by many polices or face other circumstances where their insurance companies won’t cover them, they may have to pursue other options. There are companies devoted to offering insurance specifically for dog bites, and they are generally much less restrictive about their ...

The investment in the home warranty insurance means that if something should go wrong with a major system within the home during a specified period of time, there chance of the seller having to cover the cost of that failure out of pocket is reduced significantly.One of the benefits of home warranty ...

A policy which pays the actual cash value of a damaged or stolen item will usually have lower premium payments per month, but the payout will be based on the original price of the item. For example, a stereo system purchased for $800 USD eight years ago is not going to be worth $800 today, due to ...

A proper training, know the construction codes, and know how to look for problems in a building. Insurance protects the inspector from any mistakes he or she may make, despite license or certification.Home inspectors also face concerns from Realtors® who do not understand the importance of the job ...

The earned premium assumes that the insurance company did not have to pay out on the policy. If the insurance company did, it may have taken a loss, since the cost of the premium is rarely high enough to cover any serious claims. This is why insurance companies calculate potential losses carefully ...

Different countries define windstorm insurance differently. In the United States, windstorm insurance usually refers to coverage from hurricanes, tornadoes, and hail. In Europe, it can refer to damage from hail, winter storm ice and snow, and flooding. In Asia, windstorm usually means typhoons and ...

Flood insurance policy is established, the insurance company examines the home and its location to determine risk. Homes in floodplains, low lands, and regions prone to hurricanes and other severe storms are at increased risk of flooding, as are homes in arroyos and other dry valleys which could ...