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Twice a year I give an insurance company money to cover me if I’m involved in an accident that is due to negligence on my part. I’m not the typical insurance customer, having decided a long time ago that a broadform policy best suited my needs and checkbook. The policy is cheap, and insures me, not my vehicles, so I only pay for one policy. Saved me a ton of money over the last 50 years.
Anyway, I just renewed my policy, and have printed a new proof of insurance card. These things are never the right size for a wallet.
GAP insurance for cars from See Compare Buy. GAP insurance is available for all kinds of new, leased, used, self-owned, or business-owned vehicles. Considering that there are different types of GAP insurance policies, comparing them helps in ensuring that you take out a suitable one. seecomparebuy.co.uk/bicycle-insurance/
Now known as The Royal. It was built in 1907 and designed by Howell and Stokes using Georgian ornamentation on the brick, terra cotta It was an 11-story office building and now houses 46 luxury condos. The marble and stone of the entryway, lobby, and interior stairway were imported from Europe. They were all renovated and preserved while retaining the historical integrity of the entire building.
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In the hybrid vehicle market, insurance is an important part of the process. Cheap Car Insurance Indianapolis : Auto Insurance Agency has always offered specialist car insurance to a wide range of vehicles, including high performance, classic and modified cars. Our respresntative are able to provide hybrid and electric car owners to get cheaper Car insurance in Indianapolis for their hybrid car.
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Most policies for Home insurance, House insurance, building insurance or property insurance within the UK include Subsidence insurance.
CRAIG SMITH INSURANCE GROUP
PO Box 222133 Great Neck NY 11022 United States
917-740-1895
craigsmith@csmedicare.net
Craig obtained his license in 2000 after watching friends and family battle a Medicare maze of finding the proper doctors, hospital, and drug plans. This led to Craig entering the field of Medicare to help seniors.
Craig Smith is dedicated to helping the Senior Marketplace throughout the nation. With the aging of America, the Baby Boomers are looking for assistance with their Health Insurance and Financial needs. I take great pride in being that unbiased resource to accomplish their individualized needs.
One of the major concerns a person has when they do retire or turn 65 is how to cover or cap their medical costs which can be catastrophic. That is exactly what Craig Smith will accomplish for you by finding the most comprehensive, suitable yet affordable plan tailored for you.
It is important to learn about the benefits you may be entitled to for your healthcare. Whether you are on Medicare or newly eligible to Medicare there are various options to choose from and each has specific features and benefits.
Do you know the difference between them?
Medicare Supplements
Medicare Advantage Part C plans
Prescription Part D plans
With hundreds of choices, this can be a very complex process for an individual to handle.
Craig Smith is YOUR SOLUTION!
Let us help you with your Medicare plan.
Our service is free and you will have the same, great coverage – just at the right price.
Our phone number is 917-740-1895
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In the 1700's and 1800's, if you didn't hold a fire insurance policy, the fire department did not attempt to save you house/building or its contents.
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Buy Two-Wheeler Insurance and Bike Insurance online in 4 easy steps. Bajaj Allianz provides two wheeler insurance with hassle free 24/7 claim settlement support.
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Find best classic car insurance for your luxury & expensive cars from the best car insurance providers.
Integrity Insurance Group
The Integrity Insurance Group was formed with one purpose in mind: To offer people a True, Friendly and Personalized experience when shopping for their insurance needs. Comprised of insurance and business professionals with a combined industry experience of over 60 years, The Integrity Insurance Group offers our customers a friendly, one on one experience when discussing their insurance.
Address: 5182 N Oceanshore Blvd, Suite A-1, Palm Coast, FL 32137, USA
Phone: 386-259-1000
Website: www.iigfl.com
Health Insurance safegaurds you and your family against rising healthcare costs & unexpected medical expenses in event of an illness, injury or disability. There is a compelling case of getting some form of medical insurance that should cover more of your hospital bill beyond your Medisave withdrawal limits, plus the other medical bills you can’t use Medisave on.
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Auto insurance fraud is a serious crime that affects everyone, leading to higher premiums and financial losses. By understanding the common tactics used by fraudsters and knowing how to protect yourself, you can help prevent scams.
The insurance requirement of every business is different. At Insurance Tiger we first understand your business operations and risks your business face and then provide solutions that suit you the best.
Don't get confused, call our agents anytime!
For more information:
Visit: www.insurancetiger.ca/
Call: 1-800-930-4940
Email: info@insurancetiger.ca
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www.kcplumb.ca/does-homeowners-insurance-cover-replacing-...
Does Homeowners Insurance Cover Replacing a Sewer Line?
Why the question comes up
Few household problems create as much disruption as a failing sewer line. When wastewater backs up into a basement or yard, the urgency is immediate and the repair costs can be staggering. Depending on the method used, homeowners may face bills anywhere from $6,000 to $15,000. Understandably, many people turn to their insurance policy hoping for relief. The reality is more complicated, and knowing where coverage begins and ends can make a big difference.
What standard policies usually exclude
Homeowners insurance is designed to protect against sudden, accidental damage. It does not typically cover issues that develop slowly over time. Sewer lines are buried underground, exposed to soil pressure, tree roots, and natural wear. When a pipe corrodes or collapses after decades of use, insurers classify this as a maintenance problem. Routine deterioration, rust, and root intrusion are excluded because they are considered preventable with regular upkeep.
A homeowner who discovers a blockage caused by grease buildup or a pipe that has simply aged out of service should not expect reimbursement. Insurers view these scenarios as part of the responsibility of owning property, much like replacing a worn roof or repainting siding.
When coverage may apply
There are situations where insurance does provide relief. If a sewer line is damaged by a covered peril, such as fire, explosion, or impact from construction equipment, the policy may pay for replacement. For example, if a contractor accidentally breaks a buried pipe while digging a foundation, the homeowner can often file a claim. Similarly, if a natural disaster like an earthquake or flood is included in the policy, related sewer line damage may be covered.
The distinction lies in whether the damage is sudden and external rather than gradual and internal. Insurers draw a firm line between unexpected accidents and predictable wear.
Service line endorsements
Recognizing the gap in coverage, many insurers now offer service line endorsements. These optional add-ons extend protection to underground utility lines, including water, sewer, electrical, and gas. For a modest annual premium, often between $30 and $100, homeowners can secure coverage limits that reach $10,000 to $20,000. This can make a significant difference when faced with excavation costs, pipe replacement, and landscape restoration.
A service line endorsement typically covers repairs due to root intrusion, corrosion, and collapse. It may also pay for related expenses such as sidewalk or driveway removal if those surfaces must be disturbed. Homeowners with older properties, especially those built before the 1970s when clay or cast iron pipes were common, often find this endorsement worthwhile.
Preventative steps
Insurance is only part of the equation. Preventative maintenance reduces the likelihood of costly failures. Homeowners can schedule sewer camera inspections every few years, especially in older homes with mature trees nearby. Hydro jetting clears roots and buildup before they cause blockages. Avoiding grease disposal down drains and planting trees away from sewer lines also helps.
A short checklist can clarify practical steps:
Schedule periodic camera inspections for older sewer lines.
Use hydro jetting or professional cleaning to remove buildup.
Avoid planting trees directly above or near sewer routes.
Dispose of grease and wipes properly, not through drains.
Ask your insurer about service line endorsements.
Balancing costs and risks
Paying for an endorsement may feel unnecessary until a failure occurs. Yet the math often favors coverage. Spending $50 annually for ten years totals $500. If a sewer line collapses during that period, the endorsement could save $10,000 or more. On the other hand, homeowners with newer PVC lines in areas without large trees may decide the risk is low and prefer to self-insure. The decision depends on property age, soil conditions, and personal tolerance for risk.
Evaluating your policy
Reading the fine print is essential. Policies vary widely, and some carriers include limited service line coverage by default. Others exclude it entirely unless purchased separately. Homeowners should ask their agent specific questions: Does the policy cover sewer line damage? What are the limits? Are excavation and landscape restoration included? Clarifying these details before a failure occurs prevents unpleasant surprises.
Local considerations
Regional factors also matter. In areas with heavy clay soil, pipes are more prone to shifting and cracking. In older Canadian neighborhoods, cast iron and clay pipes are common, both vulnerable to root intrusion. Municipal regulations may require homeowners to maintain the portion of the line that runs from the house to the street connection. Understanding these local responsibilities helps frame the insurance discussion.
Homeowners insurance does not automatically cover sewer line replacement. Standard policies exclude gradual wear, corrosion, and root damage. Coverage applies only when damage results from sudden, external events. Service line endorsements fill the gap, offering affordable protection against common failures. Preventative maintenance remains critical, reducing the chance of emergencies and keeping costs manageable. By combining careful policy review with practical upkeep, homeowners can protect themselves from one of the most disruptive and expensive household repairs.
KCs Plumbing, Heating & Drain Services
17 Fawcett Rd Coquitlam
(604) 873-3753
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