Homeowners' insurance usually covers the following 3 areas:
1. Fire, windstorm or other physical damage; 2. Theft of personal property; 3. Legal liability for injury or damage arising from your negligence or that of members or your family.
There are six (6) types of homeowners' insurance policies; and each is tailored to give different amounts of protection. The six types are basically the same from company to company, although they may be titled differently.
The Basic Form (HO-1) This form protects your home and your personal property such as furniture, carpeting, personal effects, etc. The perils insured against are the following: fire or lightning; removal of property endangered by peril; windstorm or hail; vandalism or malicious mischief; theft; damage from vehicles and aircraft; explosion; riot or civil commotion; glass breakage; comprehensive personal liability.
The Broad Form (HO-2) In addition of benefits of the basic form (HO-1), this form also insures a home and personal property for the following: building collapse, freezing of or accidental discharge of water or steam from within plumbing, heating, air conditioning systems, or domestic appliances; falling objects; weight of ice, snow, or sleet; rupture or bursting of steam or hot water heating systems; comprehensive personal liability.
The Special Form (HO-3) This form covers your home for "all risks" except certain specified exclusions, such as earthquake and flood, for damage to or loss of the home (dwelling) or other structures such as a garage, and all perils covered by Form 2, for damage to or loss of personal property (contents) and comprehensive personal liability.
The Tenants Broad Form (HO-4) This form is a policy designed for tenants who rent, which covers only personal property for all perils covered under Form 2 (HO-2). There is no coverage for the dwelling as that is the owner's responsibility and should not be insured by a tenant.
The Comprehensive Form (HO-5) This form insures your dwelling and personal property for all risks except certain specified perils stated in the policy such as earthquake and flood. Because this policy covers so many potential losses, it is the most expensive homeowners' policy.
Special Condominium Form (HO-6) This coverage is specifically designed for condominium unit owners and is not offered by all insurance companies. It provides the usual coverage found in Tenants Form (HO-4) and it offers special protection needed by owners of condominium units. It insures only the interior of the owner's unit, not the apartment structure.
Any individual who purchases products or services for his personal use and not for manufacturing or resale is called a consumer. A consumer is one who is the decision maker whether or not to buy an item at the store, or someone who is influenced by advertisem*nt and marketing.
Primary consumers, mostly herbivores, exist at the next level, and secondary and tertiary consumers, omnivores and carnivores, follow. At the top of the system are the apex predators: animals who have no predators other than humans. Help your class explore food chains and webs with these resources.
-Fourth trophic level: Tertiary consumers come under the fourth trophic level of the food chain and are constituted by the top carnivores. So, the correct answer is 'tertiary consumer.
There are two main types of customer. These are: 1 external customers who come from outside of the business providing a product or service 2 internal customers who are in the same organisation as the person who is providing a product or service.
Be Aware. Gather all the information and facts available about a product or service, as well as, keep abreast of changes and innovations in the market.
A consumer is someone who is the final user of an item–a good or service. For example, when you eat, you consume the food. You are the final destination, the final user of the food, making you a consumer of food.
Consumers are the ones who cannot produce their own food. They depend on produce for food and energy. They constitute the upper tropic level in an ecosystem. Example: Human beings and animals, depend on plants or other animals for food while plants are the producers.
Examples of primary consumers are zooplankton, butterflies, rabbits, giraffes, pandas and elephants. Primary consumers are herbivores. Their food source is the first trophic level of organisms within the food web, or plants.
There are three types of consumers: herbivores, carnivores and omnivores. Herbivores only eat plants. Omnivores eat plants and animals. Carnivores eat only animals.
Introduction: My name is Patricia Veum II, I am a vast, combative, smiling, famous, inexpensive, zealous, sparkling person who loves writing and wants to share my knowledge and understanding with you.
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