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What Is a Vacant Homeowners Insurance Policy?

There is a special type of insurance known as the vacant homeowners insurance. Most homeowners around the globe have very little awareness about the insurance needs of their home. Usually, most individuals are not aware that their home is in need of a special insurance coverage if it becomes unused, vacant or leased, causing someone else to live inside the house.

Why does a person need a vacant homeowners insurance policy?

Limited to people’s understanding, the insurance plan you got for your home does not include accidents or damages incurred in the event that the house is vacant. This means that the limitation of one’s home plan coverage also includes the situation when you no longer live in your home. Most of the insurance companies (most probably the one you have for your house right now) do not include coverage for empty homes; Those that do, however, offer little, if not very limited, coverage for damages incurred at this state at very expensive rates and charges.

However, just because a home is vacant does not prevent the possibility of dangers from happening. The possibility of risk is just as high as it was when you were living in the house. This begs the need to have it protected round the clock. Getting a vacant homeowners insurance is just as important as getting a regular insurance quote.

In order to ensure that your vacant home is safe when you are not around, check with your insurance company and look for available premiums that you might avail in order to include the necessary protection your house needs. A friendly customer service representative is sure to assist you and give you the proper advice on what to do. You must be able to figure out which policy will work best for you and your family. The situations of families leaving their homes will vary. Insurance companies are sure to take into consideration these variations when it comes to special situations. Inquire about the adjustments when it comes to the time you will be away from your home.

In looking for a vacant homeowners insurance policy, it is important that you look into the corporate image of the company. Be sure that they are able to deal with the damages incurred when a disaster happens. This could be assessed in relation to the number of years a company has been in service. The longer they have served as an insurance company, the higher the possibility that they turn out to be a stable company.

It is also important that you take a look into the possibility of having vacant homeowners insurance as a supplement to an already existing plan. Usually, when you purchase a secondary insurance quote, you are offered benefits and price cuts based on your previous purchase. Inquire about these things with your current insurance provider. You might be able to save a lot on insurance quotes by getting the plan as a supplement to an existing one.

Get a vacant homeowners insurance policy today.

Can Rabbits Change Gender / Sex?

I have seen this question on many forums and over heard breeders discussing the fact that their rabbit changed gender. In fact rabbits that have won awards at ARBA conventions as a doe, have been shown later only to find out it was actually a buck. Does this mean that a rabbit has changed sex?

Amazingly in nature there are some instances where an animal can change its gender. Take for example a clown fish. Clown fish live in schools. Within that school is a leadership structure led be a female clown fish. When that clown fish dies, the highest male in leadership takes over for the female and changes gender including reproductive functions. This is however a rarity for this type of biological change to take place. In fact there are even more rare cases of humans that have changed gender as a result of either 5-alpha-reductase deficiency (5alpha-RD-2) or 17-beta-hydroxysteroid dehydrogenase deficiency (17beta-HSD-3).

Rabbits do not fall into that strange and rare category of animals that change gender. A rabbit born a buck, will be a buck at 6 months, will be a buck at a year. A rabbit born as a doe will be a doe and 6 months, will be a doe at a year.

At young ages it can occasionally be difficult for experienced breeders, and even more difficult for inexperienced breeders to sex a rabbit. The majority of “sex changed” rabbits are actually the result of rabbits mis-sexed by the breeder. We have rarely made this mistake. You can usually trust a breeder who has been breeding for several years.

There are other factors that can contribute to a mis-sexed rabbit. A buck with a split penis will often be sexed as a doe. Using unreliable techniques to determine the gender of a rabbit will often result in mistakes. We will soon have an article on how to properly sex a rabbit.

The bottom line is that it is genetically impossible for a rabbit to change gender. Next time you hear that, remember, its a rabbit that was not properly sexed.

Rob Usakowski

Small Block Chevy 350 Engine

Some believe this is when the history of fast cars was made, when GM put the Chevy 350 motor into the Chevy Camaro. 1967 is the year GM introduces the Chevy 350 motor during the might of the muscle car era. Originally this motor was used in the Chevy Camaro and next in the Nova, two years later. Since the days when we could hear the jingle- “Baseball, apple pie and Chevrolet”, Chevy has been the marquee of the General Motors Corporation. The Chevy 350 engine is a small block motor common to several models of Chevy by 1969. This is the motor which is responsible for ushering in the era of the crankshaft. It is by far, the most widely used small block of all time.

The Chevy 350 small block engine was not the original small block V8 created by Chevrolet. It takes its place at the front of a line of V8 motors originally designed as a series by the Chevrolet Division. They used the same basic engine block for many designs starting back in 1955 with the 265 cubic inch motor. The largest small block motor that developed was the 400 cubic inch motor which came out in 1970. By 1979, the Chevy 350 engine was introduced across the entire Chevrolet product line, eventually becoming a GM corporate standard. Now, every American General Motors division except Saturn uses the Chevy 350 engine or its derivative in their automobiles. Today, this motor is still being manufactured at the GM Toluca plant in Mexico. It is used in everything from cars, trucks and boats. In a highly modified version, the Chevy 350 engine is even used in some airplanes.

The Chevy 350 engine is sometimes referred to as a 5.7 liter engine by some. It owes its success to the V-shaped design which optimizes efficiency and sound. The V8 engine contains an equal number of cylinders positioned in a straight line on either side of the block. These cylinders share a common crankshaft. Chevy’s 350 cubic inch power- plant is able to produce 270 horsepower by means of its revolutionary two- bolt block design. It will yield 200 HP (horse power) at 4000 RPM’s (rotations per minute) from its 64 cc cast iron cylinder heads. The design allows for stronger durability and greater adaptability, making it a favorite among racing enthusiasts.

Today’s series the Chevrolet 350 motors enjoy the technology of performance driven engineering. The Chevy ZZ4 is GM’s most recent version of the original 350. This highly evolved example of engineering puts out 350 HP compared to its original 270 HP and delivers 400 ft- pounds of torque. This is made possible by the means of angle-plugged cylinder heads, roller cams and screw in rocker plugs with light weight valve retainer springs. The roller cam features a camshaft design that has.474″ intake and.510″ exhaust valve lift. Machined from high quality aluminum, the heads of this motor are a highlight of modern engineering. With 1.94 inch intake valves, 1.50 inch exhaust valves combined with 58 cc of combustion area, this engine generates an outstanding compression ratio of 10 to 1. These wonderfully engineered features combine together to enable this motor to yield 355 HP at 5,250 RPM’s.

GM did not cut corners when putting together the top of the Chevy 350 ZZ4. A HEI distributor offers an ignition timing advance that is built for performance. The engineers compliment the distributor with a dual-plane intake manifold built to receive a square bore carburetor. The water pump for the ZZ4 is crafted from high quality cast iron to accommodate the greater temperatures of the high performing motor. Other performance enhancing features include an 8″ harmonic balancer and a 12.75″ automatic transmission flex plate.

The real kicker in the deal is that all of this modern technology can be delivered right to your door- straight from the factory floor of General Motors! Who could ask for a better motor to place in the hot-rod that is just begging to leave your shop?

Do You Know If Your House Insurance Plan Includes Homeowners Liability Insurance?

Whenever the majority of us think about the insurance that we get on our house we generally think about protecting ourselves from disaster. For instance, we would want to ensure that our policy covers us in case of a flood, fire or other natural disaster. However, what many of us do not realize is that there are other types of plan that are available and we would want to make sure that we have these included in our insurance bundle.

Homeowners liability insurance is an example of such a plan.

It is advisable to have this sort of insurance policy quite simply because we are responsible for what goes on in our home. This form of liability insurance would cover you if something should happen to go wrong, either inside your property or even outside of your property. For example, if someone trips and falls at our home as a result of negligence on our part, or any other reason, you may be held liable for their misfortune in a court of law. This type of insurance plan will provide you with cover in this situation.

Of all of the different forms of cover that you are likely to have on your home this is likely the one that is most frequently overlooked. However, the majority of mortgage companies are going to require you to have homeowners liability insurance as part of your policy in order to keep in line with the terms of your mortgage agreement. Naturally, there will be varying degrees of liability cover available to homeowners so you will need to discuss this with your insurance agent in order to determine what would be best in your individual case.

By being covered with homeowners liability insurance you will not only have protection at law in case a person should happen to sue you when they are injured on your property but will also have cover for any medical expenses which may be incurred as a result of the injury. Despite the fact that we all certainly hope that instances such as these would not arise it is clearly possible so you want to ensure that you are covered just in case.

Medical Payments Coverage in Auto Insurance Policies

How exactly does the medical payments coverage section of your auto insurance policy work? What does the medical payments cover and not cover? How does the medical payments coverage coordinate benefits with your health insurance policy?

Automobile insurance is necessary if you want to operate a motor vehicle in every state of the United States. Because the need for insurance varies from person to person, automobile insurance and its rates can be very different depending on the type and amount of coverage that you decide to purchase. Usually, people that own new models in cars would be required to pay a higher rate due to the fact that the car can be more expensive to fix in case of an accident, while people that own old cars usually only get the minimum coverage that the state requires. Although most people think of automobile insurance as covering the car and allowing them to get their car fixed in case of an unfortunate accident, it is important to highlight that car insurance policies in all the states also require you to have a minimum medical insurance coverage (even if you have health insurance).

This is very common due to the fact that Americans and cars do not mix well together. In 2005 there were an estimated 6,420,000 automobile accidents in the Unites States. Out of these disastrous car accidents, 2.9 million people were injured and approximately 42,636 people killed. Statistics are assumed to only get worse through 2006 and what has gone by of 2007 because more and more Americans are hitting the roads making automobiles a necessity in this country. Overall there are an estimated 243,023,485 automobiles in the United States which makes this country the highest vehicle market in the whole world.

Although some people may argue that they do not need medical coverage within their automobile insurance policies, the fact of the matter is that it’s required by every single state in the nation. All of the states require the driver to purchase a minimum amount of Personal Injury Liability and Property Damage, but what some states are missing is making the Bodily injury Liability (the coverage that doesn’t protect you, but the other party involved in the accident) a required one. An example of the states that do not make the Bodily Injury Mandatory is the state of Florida. Because of this lack of regulations, residents of this state are subject to high risk of subrogation in the case that they do not have Bodily Injury and the accident is their fault.

Medical coverage in automobile insurance policies is necessary because it can add to the treatment you will receive if you are injured in an automobile accident. Usually what this type of coverage gives you is the security of paying for your medical expenses if you are injured and funeral services in the unfortunate event that you are killed in the accident. It is also important to note that this coverage can assist you in case of an injury when you are riding in another vehicle and it can also cover the family members enrolled in the policy (wife and teenage drivers) in the event that they get injured while being the passengers of another vehicle or even while walking somewhere.

Currently there are 12 states in the United States of America not counting Puerto Rico that have no-fault auto insurance laws. It is important to note that with this type of insurance has a form of medical insurance included in the actual automobile insurance policy. This type of coverage in those twelve states is called Personal Injury Protection or PIP. In addition to covering what is revealed by the name (“Personal” it covers you) it can protect you from such things as lost wages, child care and other stuff related to it. The best thing about it, is that combined with your health insurance coverage, this can cover you for 100% of the medical related expenses.

People think that they have enough coverage with health insurance, but they don’t realize that the medical part of your automobile insurance is key when it comes to an unexpected automobile accident. One important thing to highlight is that depending on the amount of money you pay monthly, the higher or lower your coverage will be. With higher deductibles, the out of pocket expenses after an accident would be more costly. If on the other hand you have no deductible or a low deductible the more you will be covered in case of an accident.

What to Look For in a Car Insurance Company

Not knowing what to look for in a car insurance company can leave you vulnerable to customer dissatisfaction, inadequate coverage and high prices. With a little research and some comparisons between providers, you can get the coverage you need with relatively affordable prices. In order to find a reliable provider, there are 5 main things you should look for.

1. Look for high customer ratings. Your best bet is to check out the J.D. Power and Associates website. Here you can find collected data from nationwide policyholders, including ratings on pricing, policy offerings, billing and payment, contacting the insurer and overall experience.

2. Make sure the insurance company has financial strength. The bottom line is this-if the company isn’t financially secure, they won’t be able to cover your claims. Above all else, this should be the main thing to look for in a car insurance company. The last thing you need is paying ridiculous prices out of pocket, leaving you as much in the hole as your insurance provider is. Two great websites to visit for current information are A.M. Best and Standard & Poor’s.

3. Lean toward providers that offer multiple types of coverage. While teaming up with a company that offers gap insurance, collision, liability and uninsured motorists protection is great, a company that offers life and fire insurance is even better. Getting a package deal can really give families peace of mind.

4. Work with someone you can build a relationship with. In other words, find an agent. Having an agent that is dedicated to building a good foundation with you is more beneficial than you may think. A big bonus of working with an agent is that this is someone who has a vested interest in your protection. On top of that, many agents reward loyal customers with discounts. Many times, these breaks here and there can save you hundreds of dollars per year.

5. Get your policy from a provider licensed in your state. Not every insurance company is licensed in every state. In order to fully protect yourself, it’s wise to make sure your provider is licensed in your state. This means, that if a problem arises, you can depend on your state insurance department for help. As a general rule, researching a license should be pretty high up on your list of what to look for in car insurance companies.

To sum it all up, figuring out what to look for in an auto insurance company shouldn’t cause you a lot of distress. Just doing some basic research will save you both time and money in the long run. Using the five tips above as a guide while shopping for auto insurance will make the task of finding the right provider less daunting.

Above all else, trust your gut instinct. If a certain car insurance company or car insurance agent makes you feel uncomfortable, then there’s probably a reason behind it. You, above anyone else must feel safe and secure with your choice. Now that you know what to look for in an auto insurance company, get to it. Compare quotes from at least 5 different auto insurance companies side by side in order to find the best value.

All About Insurance for the Trucker and the Trucking Company

Attention all individual truckers and associated hauling companies! We don’t have to tell you that your line of business is open to numerous risks. You know that already. What we can supply you with is the info necessary for comprehensive protective coverage, tailored to your specific needs.

A qualified independent insurance agency will be able to come up with an elite packaged policy for the related indemnity, such as:

Commercial liability insurance coverage

Commercial auto liability insurance coverage

General liability insurance coverage

Workers compensation

This insurance applies to trucks used and hired to transport cargo. This includes commercial trucks, such as:

– the box cargo type

– the cement carrying variety

– Dump types

– Garbage trucks

– Refrigerated box types

– Roll-on

– Semi

– Straight

– Tank trucks and

– Tractor trailers

Tractor Trailer insurance coverage incorporates the following types of cargo trucks:

1. Auto hauler

2. Bottom dump

3. Bulk commodity

4. Tank

5. Lowboy

6. Dry freight

7. Dump body

8. Flatbed

9. Tilt

10. Pole trucks

11. Gooseneck trucks

12. Livestock trucks

13. Logging trucks

14. Utility trucks

15. Refrigerated varieties

The Scoop on Trucking Operations Coverage

Related insurance is a specialty one for any tractor-trailer trucks or heavy load trucks that transport cargo from one place to another for others and covers auto liability as well as physical damage. Insurance for the bobtail type of truck, interchangeable agreements and motor truck industry is also available.

Then there is the workers comp aspect that trucking companies may be responsible to provide to their trucking contracts.

All about Related Occupational Accident Insurance

Also known as Workers Compensation, this kind of indemnity protection is usually arranged by the trucking corporations for the individual owner or operator of their contracted trucks. After buying the insurance coverage from the associated agency representing the insurance carrier, the trucking company passes on the cost of the premium to the trucker. Some American states make workers comp a mandatory coverage that trucking companies must provide to their truckers while other states do not.

Of course each company, and owner or operator has their own insurance requirements. This is why every associate should discuss the particulars with a knowledgeable insurance specialist. In general, it is the independent insurance agent that is appointed to do business with many of the top carriers will be able to offer the best package deal at a cheaper quote than others.

Analysis of the True Meaning of Magnolia

Warning: This article is an analysis of the movie Magnolia and contains many spoilers.

Everyone who has watched the much-praised film “Magnolia” undoubtedly walked out of the theater with maybe a feeling of awe, but most likely an overwhelming confusion over its ending, especially the scene with the shower of frogs.

A key aspect to interpreting the true meaning of this film lies in its many references of Exodus 8:2 from the bible. The most obvious reference was in the scene right before the start of the Quiz show. A woman is seen holding a sign that clearly has the words “Exodus 8:2” written on it, but is promptly escorted out of the audience by security.

Below are other examples of references to the numbers 8 and 2 in the movie, as listed in the trivia section of imdb.com

o weather forecast: 82% chance of rain

o a gambler needs a 2 in blackjack but gets an 8

o the coil of rope when the boy commits suicide

o the first temperature reading

o the movie poster at the bus stop on Magnolia Blvd

o the placard on the hanged convicts

o Jim Kurring’s box number at the date hotline

o Sydney Barringer’s mother and father’s apartment number is 682

o the forensic science convention starts at 8:20

o Delmer Darion flips over a stack of cards to reveal the 8 through 2 of diamonds

o right after Jim Kurring sees Donnie Smith climbing up the building, you can see a flash of a sign on the side of the road that says “Exodus 8:2″ (it’s visible again when the frogs fall and hit Kurring’s car)

o the number on the firefighter’s plane.

o in Marcy’s mugshots, her criminal record number is 82082082082

o in the bar scene there is a chalkboard with two teams, the frog and the clouds, the score is 8 to 2

o spray painted on the cement as graffiti next to the boy.

o member of the game show crowd holds a placard with Exodus 8:2 written on it

o the kids were two days away from entering their eighth week as champions.

o Quiz Kid Donnie Smith won his 100 000 dollars on 28 April 1968

o The first two numbers of the Seduce and Destroy Hotline (1-877-TAME-HER) are 82.

o one of the hanged men has the 82 on his clothes

o Jim says he gets off work at 8:00, and Claudia suggests they meet 2 hours later for a date

And here is Exodus 8:2 –

And the Lord spake unto Moses, Go unto Pharaoh, and say unto him, Thus saith the Lord, Let my people go, that they may serve me.

And if thou refuse to let them go, behold, I will smite all thy borders with frogs.

Another important piece of the puzzle comes from Dixon, the young boy who raps to Jim after his discovery of the murders. The following is an excerpt from Dixon’s rap:

Check that ego, come off it, I’m the Prophet,

You’re living to get older with a chip on your shoulder.

He’s running from the devil, but the debt is always gaining,

When the sunshine don’t work, the good Lord bring the rain in.

Dixon calls himself the “Prophet” but he could be interpreted an extension of god. He takes Jim’s gun after it was lost, yet during the frog shower, the gun falls from the sky along with the frogs – a sign that the boy had some control over the events.

The second and third lines of the rap are warning Jim that he’s living to move higher (“to get older”) yet there is something burdening him. Dixon is telling Jim that what he is doing isn’t right and warning him to stop. However, Jim doesn’t listen to the rapper just like how the Pharaoh of Egypt did not listen to Moses. This message is not only meant for Jim, but it also symbolizes the wrongness in the lives of all the other characters. The last line warns that if God is ignored, he will bring on the rain.

An important key note is that the characters all admit their wrongs but can’t seem to get past them. Claudia, for example, is addicted to cocaine but can do nothing to stop, Linda feels terrible guilt for cheating on Earl and attempts to take her name off his will but can’t, and even Earl uses his final breaths to admit his mistreatment of his son and wife and pleads for forgiveness from Frank but he does not receive one.

The rain of frogs signifies God’s wake-up call to everyone. The rain of frogs – the extremely strange, almost absurd situation – was a way for God to tell everyone that they have done wrong and sinned. However, the shower is his message that he is always watching over the world and can intervene to help when help is needed. After the rain of frogs, the characters appear to either make peace with their problems and have succeeded or, in the example of Jimmy Gator’s death, failed. This shows that although god is there to help, not everything always works out perfectly and there are always the ones who are punished instead of saved.

Please note that this is not an official interpretation and the scene of the frog shower is among the most debated topic in the movie world. Accept my interpretation at your own discretion and form your own opinions on the matter, which is most likely what the writer P. T. Anderson had intended.

Booby Trap Bond (Bad Surety Bond Wording)

Booby Trap Performance Bond

“The Surety, for value received, hereby stipulates and agrees that if the Contractor has been declared in default by the Obligee, and there has been no uncontested failure, which has not been remedied or waived, of the Obligee to pay the Contractor as required under the Construction Contract: (i) The Surety shall promptly remedy the default… “

Waaaa?! We read this over and over to understand the implications. Is this just another boring bond form, or is there a Booby Trap, an elaborate effort to gain an advantage over the surety?

Every bonding company has their own standard Performance and Payment Bond forms. For us, we prefer to use the AIA A-312 unmodified P&P bond. This is a well balanced, widely accepted form. Whenever we receive a special bond form, we must review it carefully. Why did the obligee spend the time and money to devise this? There must be some advantages – for them.

Last week we received an obligee’s mandatory bond form on a private contract and a key phrase is stated above. Our client is the GC / prime contractor. Sometimes the unique bond forms are not too bad. Let’s pick apart this one. Maybe you’ll run into it some time.

This language is very important because it concerns the Obligee’s responsibility under the contract. In order for the Obligee to be entitled to make a performance bond claim, they must fulfill their end of the bargain, which is to PAY for the work. Is a bond claim for lack of performance reasonable if the Obligee has failed to pay the contractor? Of course not! They can’t work for free.

What are the implications of the wording in that special bond form? Let’s use the A-312 as a benchmark. (Owner means Obligee) It says:

“If there is no Owner Default under the Construction Contract, the Surety’s obligation under this bond shall arise after… ” And in the definitions it goes on to say:

“Owner Default. Failure of the Owner, which has not been remedied or waived, to pay the Contractor as required under the Construction Contract or to perform and complete or comply with other material terms of the Construction Contract.”

Pretty simple. If the owner fails to pay for the work, and then makes a bond claim, the surety has an appropriate reason to deny the claim. So how does it work in the Booby Trap Bond? Instead of the convoluted lawyer talk, let’s turn it into plain English. It says…

Conditions for failure of the Obligee:

  1. Neglected to declare the Contractor is in default (an official written statement) and,
  2. There must be an unremedied or unwaived failure to pay the Contractor that the Obligee has not contested

Ugh… that last part. Assume that in every case, the Obligee will contest an allegation that they have failed. When they do, the surety has no claim defense even if the contractor has not been paid.

What a trap for the unwary bond underwriter! It would have been more fair if the bond said “Obligee is entitled to make a bond claim even if they don’t pay for the work.” But then people would understand…

Special bond forms can be benign or Booby Trapped. We just have to read every one to find out.

Affordable Dental Insurance – The Pro’s And Con’s Of Dental Insurance

Are you looking for an affordable dental insurance plan for yourself or your family? It’s hard to determine which is the best plan, isn’t it? Many people are confused about buying dental insurance because they’re not sure if it’s a better plan than a discount dental plan or exactly what it covers. Let’s take a brief look at both plans.

Discount Dental Plans

Discount plans offer you reduced costs on most dental care procedures for simply joining a plan and visiting a participating provider within the network of the plan. These plans have been around since the early 1990’s and have enjoyed some success. Most plans offer savings on both preventive dentistry, such as regular cleaning and check-ups to other major dental care, such as crowns, root canals, dentures and braces. Some discount plans even offer substantial savings on cosmetic dentistry.

Pro’s – No restrictions, save money on every visit, see any dentist within the network nationwide, very inexpensive to join.

Con’s – You may not be able to continue seeing your current dentist, unless they take steps to become a network provider. This is very easily done, if the dentist is willing. You must pay cash at the time of your appointment. There are no claim forms and no payment plans. It’s cash in full. This can be good or bad, depending on your budget.

Dental Insurance

Dental insurance is much more expensive than it used to be in the past. I’m talking about a “decent” policy, not one of these $8.00 per month things that are filled with exclusions. A decent dental insurance plan can run upwards of $100.00 per month for a family, which is extremely high. This, of course, depend upon where you live.

Pro’s – Honestly, not many. These plans are designed more for preventive dental care than they are to provide major coverage, especially in the early stages of ownership.

Con’s – They don’t cover pre-existing conditions. This means that if you already have a mouthful of cavities when you buy a plan you’re on your own. The plan won’t pay one cent. You’ll have to wait one year before you’ll have any help at all from your insurance and even then you’ll have to pay the premiums and deductible.

Summary – I’m not biased in any way, but facts are facts. Discount dental plans win by a landslide. If you’re looking for affordable dental insurance for yourself or your family, I suggest you take a good look at a discount plan before you buy insurance. You may be doing yourself a big favor in the long run.