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   A contract of Insurance comes into being when a person seeking insurance protection enters into a contract with the insurer to indemnify him against loss of property by or incidental to fire and or lightening, explosion, etc. This is primarily a contract and hence as is governed by the general law of contract. However, it has certain special features as insurance transactions, such as utmost faith, insurable interest, indemnity, subrogation and contribution, etc. these principles are common in all insurance contracts and are governed by special principles of law. According to S. 2(6A), "fire insurance business" means the business of effecting, otherw    According to S. 2(6A), "fire insurance business" means the business of effecting, otherwise than incidentally to some other class of insurance business, contracts of insurance against loss by or incidental to fire or other occurrence, customarily included among the risks insured against in fire insurance business ...

 Pipes:  Insurers prefer copper or plastic plumbing - maybe it is a good idea to upgrade your galvanized / lead pipes during your next renovation cycle. Wiring:  Some wiring types are more Forever21$750 or cheaper than others to insure. Make sure you have approved wiring types, and by all means avoid aluminum wirings which can be really expensive to insure. Not all insurers will cover houses with aluminum wirings, and those that would, will require a full electrical inspection of the house. New Home:  Check if insurer has a new home discount, some insurers will have them. Mortgage insurance:  Getting mortgage insurance when you have enough coverage in Life insurance is not always necessary: mortgage insurance is another name for a Life/Critical Illness / Disability insurance associated with your home only but you pay extra for a convenience of getting insurance directly when lending the money. For example a Term Life policy large enough to pay off your home is...

Politics: Why has this become political, like so many, apparently, common sense, issues, have? There is a huge difference between a viable solution,and well - considered, plan, as opposed to blaming and complaining, denials, and stubbornness! Mandate resistance: Although we have seen public health mandates, in the past, it seems we are experiencing the most polarized nation, in recent memory! Just because one doesn't agree, does not mean, he knows more than the experts! Either, we proceed, in a more unified manner, or we prolong the horrors. Wake up, America , before many others, lose this battle! It's up to, each of us! Conspiracy theories: For some reasons, some prefer to believe unfounded, opinions, and accept them, instead of facts. It began with denials, transformed to accusations, and created harmful resistance. Is there anyone, who has not witnessed or experienced the loss of someone close? While, everyone is entitled to an opinion of their own, they are not, to their o...

  Will you trust God to teach you in the way you should go? Rewards US - Cash $750 You need wisdom to live for His righteousness, His love and devotion to Christ Jesus. You see, you have to develop the habit of listening to God. He may give you direction you have never had before. Like what? God wants you under the influence of His Word. God wants you to live by godly principles in His Word . God wants you to give Jesus first place! This is vital for your Christian walk! Jesus is your connection to the throne of God. You see, in this world, it is very easy to become distracted from God. Many people follow some other path apart from God's will. But the foundation of all spiritual truth is obedience to God through the power of the Holy Spirit. The Bible tells you to praise the Lord! He is truly worthy of worship. Love no one not even yourself - more than you love God. Every morning you should be asking God to fill you with His presence. You want to be filled by the Spirit so that yo...

TIP #1: Read the Bible Like Any Other Book My first suggestion is to embrace what I call "A Better Way to Read the Bible." Simply put, a better way to read the Bible is to read it like any other book, which means we read the whole thing. Think about the last time you read a book that you truly enjoyed and from which you benefitted greatly. Did you read it all, or just a portion? Did you read only a few sections, or did you start at the beginning and go all the way to the end. I'm stating the obvious, but to truly understand a book, isn't it best to read it in its entirety? TIP #2: Read the Bible Like No Other  Bookmen  second suggestion is to pray... before, during and after you read the Bible. Here's one of my favorite Bible reading prayers: "Open my eyes that I may see wonderful things in your law" (Psalm 119:18). The word "law" can mean "instruction" or "teaching." The Word of God, like no other book, contains the instru...

  Let's get back to the statistics. Out of 1,000 people aged 30, 125 will die prior to the conclusion of a 25 year mortgage. And surprisingly, despite having this fantastic name to this very important plan there are thousands of families lacking protection and leaving their dependent families open to the risk of losing their homes. I am certainly glad that due to the plans aggressively marketed by the banks, many families are protected. Or else, there would be thousands of unprotected families who would end up homeless. Therefore, getting advice and signing an extremely important document which can affect your entire family's financial future is something you have to take really seriously. An Insurance Advisor, on the other hand, is qualified to give you better advice on insurance related issues