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Home insurance provides coverage for damage or destruction of the policyholder's home. In some geographical areas, the policy may exclude certain types of risks, such as flood or earthquake, that require additional coverage. Maintenance-related issues are typically the homeowner's responsibility. The policy may include inventory, or this can be bought as a separate policy, especially for people who rent housing. In some countries, insurers offer a package which may include liability and legal responsibility for injuries and property damage caused by members of the household, including pets.

                                                                       

Health insurance policies issued by publicly-funded health programs, such as the UK's National Health Service will cover the cost of medical treatments. Dental insurance, like medical insurance, protects policyholders for dental costs. In the U.S. and Canada, dental insurance is often part of an employer's benefits package, along with health insurance.

                                                   
 
 Funeral insurance
 Funeral insurance is a very old type of health insurance which is payed out upon death to cover funeral expenses of the insuree. The Greeks and Romans introduced funeral insurance circa 600 AD when they organized guilds called "benevolent societies" which cared for the surviving families and paid funeral expenses of members upon death. Guilds in the Middle Ages served a similar purpose.               

                                                                            
                                                                
Property insurance provides protection against risks to property, such as fire, theft or weather damage. This may include specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, inland marine insurance or boiler insurance. The term property insurance may, like casualty insurance, be used as a broad category of various subtypes of insurance, some of which are listed below:

                                                                        

Aviation insurance protects aircraft hulls and spares, and associated liability risks, such as passenger and third-party liability. Airports may also appear under this subcategory, including air traffic control and refuelling operations for international airports through to smaller domestic exposures.

                                                                     

• Flood insurance protects against property loss due to flooding. Many insurers in the U.S. do not provide flood insurance in some parts of the country. In response to this, the federal government created the National Flood Insurance Program which serves as the insurer of last resort.

• Home insurance, also commonly called hazard insurance, or homeowners insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes, as outlined above                                                              

                                                            
Marine insurance and marine cargo insurance cover the loss or damage of vessels at sea or on inland waterways, and of cargo in transit, regardless of the method of transit. When the owner of the cargo and the carrier are separate corporations, marine cargo insurance typically compensates the owner of cargo for losses sustained from fire, shipwreck, etc., but excludes losses that can be recovered from the carrier or the carrier's insurance. Many marine insurance underwriters will include "time element" coverage in such policies, which extends the indemnity to cover loss of profit and other business expenses attributable to the delay caused by a covered loss.


 

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1. Property insurance

This type of insurance focuses more on your belongings and properties to be protected against damage or loss. This will help you recover your lost or damaged belongings. You can also have your properties insured in a specific risk such as fire and other disasters related insurance policies.

2. Casualty insurance

This type of insurance focuses more on the loss or damage of your business. It will help you recover the loss of your business financially by receiving causality insurance. Casualty insurance is usually applied together with property insurance in insurance packages.

 

3. Liability insurance

This type of insurance insures and protects the business in cases the business is sued for negligence.

4. Commercial auto

Commercial auto policies insure your business vehicles for any damage, either as a result of accident, vandalism, or other damages received. A personal automobile policy will not cover and damage your commercial vehicle may incur.

5. Workers compensation

Workers compensation will insure the workers’ safety during while they’re at work. It will also insure the workers from the injuries they might encounter at work. Workers compensation may vary depending on every state. However, it is common that this type of insurance requires every employer to pay the worker all the medical finances and damages due to injuries incurred on the job.

 

6. Business interruption

This type of insurance insures the business’ loss and damage due to other external interruptions and factors. For example, if your machine is struck by lightning it can be covered by the property and casualty insurance. However if you cannot acquire the insurance more than the time given then a business interruption policy is the one that deals with it.

7. Health insurance

This insurance offers health coverage for you and your employees. Most companies or businesses have this insurance policy so their workers have adequate medical and health benefits.

 

8. Life and disability insurance

Life and disability insurance is an insurance that focuses on the beneficiary of an employee’s death or disability. For example, if the employee is dies or becomes unable to work their beneficiary, usually a spouse or children, will receive the insurance. This insurance type pays when someone carries a life insurance policy and names the another person as a beneficiary.

 

9. Other insurance or scripted policies

Scripted Policy insurance is an insurance policy written specifically for any particular risk. It is a policy applied by actors who get want to insure their lips, legs, or other part of the body relied upon for work.Make sure that you get your business any of these types of insurance to secure your financial welfare in times of trouble.

                                               

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Imagine your home in a friendly community where you know your neighbors and the beach is your playground. A place known for healthy living and conservation, natural foods and abundant amenities, where you can swim in a waterfall while watching wild parrots, toucans and macaws. 

Behold such a place, Pacific Lots of Costa Rica, on the southern Pacific coast of Costa Rica. Affordable ocean and mountain view properties as well as luxury custom home building services will turn your dreams into reality. 

Relax, your money will go significantly further than in the US. Enjoy a quality of life we have forgotten in the US. Step away from the stresses of daily living, traffic jams and a lack of a sense of community.

At  this altitude the Boquete climate is cool and the views are beautiful. This turn key home includes: two bedrooms with hardwood closets, two full baths, gas hot water heater and gas fireplace, his and her sinks in the master bath,  dishwasher, disposal in the kitchen sink, dimmer switches, washer and gas dryer, Hunter ceiling fans in every room, carport, hardwood doors and cabinetry, laundry closet, utility closet, granite countertops in the kitchen and master bathroom, gypsum ceilings, water pressure system and more. Also included is a sectional sofa, refrigerator,  a glass coffee table and two matching end tables. The yard measures over a quarter acre in size with an up close view of the Volcan Baru and the surrounding mountains. A rock wall surrounds the property. I have just lowered the price to $129,000 for a quick sale. Serious inquiries only, thanks.  No low ballers!

 

Looking for a home in the Caribbean with a perfect beach ? This is it !
Located in the exclusive Cayman Kai district of Grand Cayman, this 3 bedroom villa enjoys a superb ocean front location with extraordinary panoramic views. 380 feet of pristine sandy beach at your dorrstep. Single family private home but with the added convenience of condo maintenance service. Mint condition. Never rented. Priced to sell.
The Cayman Islands has no income taxes, capital gains tax, annual property tax, or inheritance tax. No restrictions on foreign ownership. 25 year residency for you and your family is automatically granted upon purchase of property (min US$600,000 purchase) and payment of one time residency fee.

DayaParaiso is steeped in an atmosphere of quiet aliveness - an intangible invitation to let down and deeply relax. Situated in a rural mountain area of Costa Rica, the villa offers a serene atmosphere, pure air, and ever-changing beautiful views. 

Perched at an ideal altitude of 3,000 feet, the villa's spectacular view encompasses the surrounding hillside farmlands, the 'Golf de Nicoya', the Pacific Ocean, and the beginning of the southern mountain range. (Unfortunately our current photos don't pick up the full peninsula and the multitude of islands and inlets surrounding the gulf.) At night you'll see the lights of Puntarenas and surrounding villages and most often a sky full of stars.

From every room large windows overlook the spectacular Gulf de Nicoya and Pacific Ocean (sunset photo). Delightful home with multiple covered terraces; main floor has kitchen / dining /living, 2-3 bedrooms, 2 baths, walk-in closet, washroom w/electric washer & dryer, slop sink as well as water heaters for both main and guest house. Lower floor has a small bedroom and ½ bathroom.A natural spring on the property supplies the home thanks to a large holding tank and drinking water is best filtered.There is a satellite dish on the roof for high speed internet access.  Cell phone reception is good.The guesthouse has a spacious bed / living room, full kitchen and bathroom plus large terrace (photo) with koi pond and gorgeous views. The home is simply furnished, clean and well maintained.For outdoor living there is a large un-covered terrace, as well as a gazebo near the citrus trees.

                                                

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As we all know that real estate is the safest investment. No matter the vagaries of the economy at large, one sector that seems to weather downturns better than most is the real estate market. In fact, the real estate industry has experienced a remarkable boom over the last several years, even as other sectors of financial market were nose-diving to the pavement. There are a number of reasons for this, including a rapidly growing global population, the general improvement in world living standards, higher education and income, less restrictive government policies, and a more global development.

The rise in the population of the world, coupled with the development of the so-called third world, has seen a demand for greater living standards and a more educated world populace. All of this has contributed to a rise in income, and a demand for better housing and a better way of life. For this reason, new housing has seen an explosion on the demand side, particularly in areas where income levels are rising dramatically.

Because of that, investing in residential dwellings is always a good option, as well as a way to reduce one's taxable income. It is also a better choice than simply dumping your money into a bank, since interest rates have been so low for so long that you earn almost no return on your savings investment.

                                                     
And it is more than just residential investments that are catching on around the world; commercial developments and overseas properties are hot investment targets for serious investors as well. In areas as diverse as Glasgow, Paris, Manchester, and Dubai, banquet halls, shopping malls, photo galleries, and other sites are prime locations for eager investors. Of course, these prime locations are always the easiest to sell or rent, and will garner the highest leasing prices

They are likewise in high demand, and thus a great investment that can earn you a solid return. Such amenities as shopping malls, grocery stores, and entertainment venues located within easy access of a property's locale will enable the property to yield a higher sale or rental value.

As we all know that Tourist market in Alaska is very famous nowadays. The natural world has always been central to the Alaskan way of life. Native people harvested the land and seas for animals and plants used for food, clothing, and materials. Early non-native explorers came to collect animal pelts. Settlers near the turn of the 19th century extracted riches in the form of gold, minerals like copper and zinc, and, more recently, fuels such as coal, oil, and natural gas. Most recently, another of Alaska's natural resources-perhaps it's very finest-has become increasingly important for residents and visitors alike: wild, unspoiled beauty.

Alaska is unique among the 50 states. Some of its traits can be summarized with exemplary titles: America's largest national parks, highest mountain, most public land, lowest population density, largest area. Many people still live off the land. Most of the state is not connected by roads. Bears, wolves, moose, and caribou still freely roam.
                                                     

For these reasons and many more, Alaska's tourism industry is quickly becoming a key part of the state economy. During the summer of 2007, Alaska saw 1.7 million visitors bring in over $1.8 billion.
Visitors can be divided into roughly two groups: cruise guests and independent travelers
The majority of Alaskan travelers arrive by cruise. Most cruises tour the inside passage with possible stops in Ketchikan, Sitka, Juneau, Skagway, Glacier Bay National Park, Valdez, Seward, Anchorage, and more. These cruises are a great way to see Southeast Alaska and the wide variety of marine animals and beautiful scenery it has to offer.

The other large segment of guests are "independent travelers." Traveling outside of guided groups, these guests tour the mainland as well as marine areas that can't accommodate large cruise ships. Popular destinations for this segment include Anchorage, Denali National Park, Fairbanks, and other large state recreational areas. Transportation is via rental car, motorcoach, train, or air. Often, these independent trips are taken before or after a cruise.

With pristine wilderness becoming increasingly rare in the lower 48 and throughout other parts of the world, Alaska's unique, preserved, beautiful places are becoming increasingly precious. The Alaska tourism industry is here to help the world appreciate the state's unique beauty while keeping its people and economy healthy and secure.

                                                         

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Health Insurance:At its simplest, health insurance is an agreement made between a person and an insurance company. The person, or the insured, must pay a regular fee (called a premium) to the insurance company. In return, the insurance company will pay all or (usually) some medical expenses needed when the insured becomes injured, ill, or otherwise hospitalized 

 

Health insurance is critical, especially to those living in areas where the costs of hospitalization are high. Most developed nations offer government subsidized medical care, which makes it less critical to have health insurance.
In the US, however, medical care is exteremly expensive, and is not paid for by the government. Therefore, it is wise for all Americans living in the US to have good health insurance policies.

Health insurance can be bought on an individual basis or on a group basis. Health insurance bought on a group structure usually is through an employer, as many employers provide health insurance coverage to their employees. And this is now becoming a big problem for Americans, with unemployment running so high; if you lose your job, not only do you lose your income - you are often also left without health coverage as well.

Double Trouble: Losing Your Job And Health Insurance:Losing your job and becoming unemployed in any economy is never easy. For many people, in fact for most people, losing your job also means losing your health insurance coverage. The effect on the family can be devastating. Not only has an income been lost, but replacing the health insurance coverage for the family without an income as a double negative effect. As job losses continue to mount, the number of people who find themselves in this situation is staggering. 

 While the debate on healthcare reform continues to rage on, relief for those affected and who fall victim to the health care crisis, won't be coming anytime soon. People who are affected by this crisis need to be proactive about securing health insurance for themselves and for their families. There are some short-term strategies that you can apply if you find yourself in this situation.The ideal situation if indeed you lost your health insurance, would be to be added to your spouses health insurance policy. That being said, this option is not available to everyone. Your second option would be to enroll in COBRA. What is cobra? COBRA, The Consolidated Omnibus Budget Reconciliation Act is a federal law that was passed in 1986 to require companies with 20 or more employees to continue offering health insurance at group rates to former employees and their family members. The coverage can be extended to 18 months from the time you leave your job. If the company that you were employed by goes out of business, they are not required to provide COBRA coverage. Finally your third option is to search for an insurance policy on your own.

For many people the cost of continuing coverage through COBRA is prohibitive. Employers generally pay a percentage of the cost of family health coverage for their employees. If you lose your job, you are on the hook for the full amount. Since you just lost your job and your income being able to afford COBRA, isn't really an option.
Even the most disciplined of persons, who saved money for the rainy day that they are now experiencing, this is difficult. Health insurance premiums can quickly wipe out an emergency fund long before you either find another job or the 18 months that you can qualify for COBRA expires. 

One of the benefits of COBRA is that you can be rejected because of your health. So for those with pre-existing medical conditions COBRA becomes the best option, because affordable health insurance coverage is generally not readily available for pre-existing conditions. The key is affordable health insurance coverage. There are many insurance companies who will cover pre-existing conditions if you are willing to pay exorbitant premiums and accept exclusions in your policy.
As for the second option of being added to a spouses health insurance plan, this is a great way to deal with the loss of your health coverage. However, not everyone is fortunate enough to have an option of choosing between two health insurance policies. However, if you do have an option like this, you would do well to take advantage. 

The third option of shopping for individual policy on your own is the scenario most people have to deal with. Affordable health insurance coverage is as difficult to find as any insurance coverage on the market. Again you are dealing with no income and potentially creating another family budget expense. The key to finding affordable coverage is diligence in your shopping.
If you are healthy and young you should not have any trouble finding health coverage. If you are older and have pre-existing conditions, you may be forced to reduce coverages in order to afford the premium. If you are rejected by private insurers most states offer high-risk pools. Again, the premiums for such coverage will not be inexpensive. 

                                                                       
Choose from a list of health insurance companies that provide coverage in your area. Decide whether you want to shop for the coverage on your own or to employ the services of an insurance broker. An insurance broker generally represents several companies and knows the markets and what is available in the way of insurance coverages. Insurance brokers are very helpful in this regard. Essentially you can let the insurance broker do all the work and all that would be left for you is to choose a company based on your needs. Shopping for health insurance coverage online has made it somewhat easier for individuals to compare and choose the best policies for their families. She gets a health insurance coverage that you are trying to buy is a stopgap type coverage until you get another job, you may consider getting health coverage that will pay for catastrophic illnesses. The more expenses that you are able to pay for out-of-pocket, the less premium you can expect to pay for health coverage. 

                                                                
As you can see the victims of job loss sometimes suffer double trouble, losing their health insurance coverage as well. These will be most stressful times for you and your family. In the United States it is estimated that 25 million people are without health insurance coverage. That number is more or less depending on whom you obtain your data from. The remedy for seems to be sometime in the future. Until then, individuals will have to be diligent, frugal, and creative to find affordable health insurance quotes or coverage for themselves and their families.

                                             

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Accident Insurance:Accident insurance provides a cash cover to a policyholder when s/he suffers injuries as a result of an accident. While insurance helps a policyholder pay off hospital and medical bills in case of accident injuries, it provides cash benefits to family members if the policyholder dies in the accident. This insurance, applicable 24 hours a day, 365 days a year, is also commonly referred to as personal accident insurance.

There are eight common types of personal accident insurance policies:
Individual: This policy can be taken by any individual. The benefits usually enclose partners and children. Since several activities are excluded from this policy, it is not as useful for people who love adventurous sports, like mountaineering and rock climbing.Children:
The purpose of this policy is to provide financial help to parents if they are unable to work or if they incur expenses as a result of an accident.     

Group: This policy is used by companies to cover employees for expenses related to accidents.
Self-employed: Since self employed individuals are not eligible for employee benefits, they are worse off when injured in an accident.
Team: Through a team accident insurance policy, organizers can seek cover for all the members of a sports team.

Professional: This policy is specifically for self employed professionals, such as a sportsperson, actor, lawyer or doctor, who have special requirements.
Over 50: This policy targets people over 50 years of age, as accidents can cause more grievous injuries to them.
Travel accidents: This policy offers benefits in case the policyholder meets with an accident while traveling.

 

New York Insurance, New York Health Insurance, New York Auto Insurance, New York Life Insurance Company:New York insurance is a big business in one of the most expensive cities in the United States and also in the entire world. Many of the top insurance companies the world over have their homes in New York City. For example, Metropolitan Life and New York Life are both headquartered in this great American east coast city. According to statistics taken in the year 2000 the state of New York boasts 103 health and life insurance companies and 222 casualty and property insurance companies. It is the New York State department of insurance that regulates the insurance industry throughout the entire state. 

All types of New York insurance are important but here we take a look at auto insurance. If you drive a car in New York then you must have the minimum of insurance protection which includes Personal Injury Protection and Uninsured or Under Insured Motorist Coverage. If you do not have at least the minimum then under New York law you will be unable to get your car registered.

The mandatory insurance coverage in the state of New York includes:

•    Bodily injury liability coverage
•    Property damage liability coverage
•    Personal injury protection coverage (PIP coverage)
•    Uninsured or under insured motorist bodily injury coverage

Let us take a look at the first type mentioned in the list- the bodily injury liability coverage. This type of coverage pays for injuries in the event that a policyholder is involved in an accident and there are damages or injuries to a third party. This type of coverage compensates for a variety of things. These include lost income, medical expenses, pain and suffering and the legal costs associated with a lawsuit if one is instigated by the third party. 

New York insurance is such that every person who drives a vehicle must purchase at least $25,000 worth of bodily injury liability coverage per person. The more people on the policy the higher this number becomes (it ends up being at least $50,000 per person). This is the very minimum that is required. A policyholder can go higher if he or she chooses to do so. In fact the more you purchase the better off you will be in the event of a severe and/or tragic accident. A really bad accident can equal huge financial losses which can work to your detriment. You want to protect yourself to the best of your ability when you drive on the roads. One of the ways to do this is to be prepared for the possibility that an accident could occur.