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Consumer s Guide 9/06
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1 Consumer s Guide
3 A Consumer s Guide to HOME INSURANCE National Association of Insurance Commissioners
4 1993, 2006 National Association of Insurance Commissioners All rights reserved. National Association of Insurance Commissioners Insurance Products & Services Division Fax Printed in the United States of America No part of this book may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or any storage or retrieval system, without written permission from the NAIC. Executive Headquarters Securities Valuation Office Government Relations 2301 McGee Street, Suite Wall Street, 6th Floor Hall of States Bldg. Kansas City, MO New York, NY North Capitol NW, Suite Washington, DC
5 About the NAIC The National Association of Insurance Commissioners (NAIC) is the oldest association of state government officials. Its members consist of the chief insurance regulators in all 50 states, the District of Columbia and five U.S. territories. The primary responsibility of the state regulators is to protect the interests of insurance consumers, and the NAIC helps regulators fulfill that obligation in a number of different ways. This guide is one example of work done by the NAIC to assist states in educating and protecting consumers. Another way the NAIC lends support to state regulators is by providing a forum for the development of uniform public policy when uniformity is appropriate. It does this through a series of model laws, regulations and guidelines, developed for the states use. States that choose to do so may adopt the models intact or modify them to meet the needs of their marketplace and consumers. As you read through this guide, you will find several references to such NAIC model laws or regulations related to longterm care insurance. You may check with your state insurance department to find out if these NAIC models have been enacted in your state. National Association of Insurance Commissioners 2301 McGee Street Suite 800 Kansas City, MO (816) Fax
7 Table of Contents A Consumer s Guide to Home Insurance Introduction 1 Commonly Asked Questions 1 How Much Home Insurance Do I Need? 1 What Affects Home Insurance Prices? 1 What Deductible Should I Choose? 2 Basic Coverages Available 2 Property Damage 2 Additional Living Expenses 3 Personal Liability 4 Medical Payments 4 Insurance Forms 4 Home Insurance 4 Renters Insurance (HO-4) 5 Condominium Insurance (HO-6) 5 Optional Coverages You May Wish to Consider 5 Smart Shopping 7 Seek Unbiased Information 7 Loss Chart 8 Where to Shop 8 Price Quotations 9 For Your Protection 9 Your State Insurance Department 10 List of State Insurance Departments , 2006 National Association of Insurance Commissioners
9 A Consumer s Guide to Home Insurance Home insurance is an expensive purchase for many Americans. This guide provides information on how to make decisions that can lower the cost of your home insurance and increase the value you receive. Although home insurance is not required by law in most states, if your home is mortgaged, your lender may require the purchase of insurance on your home. To get the best value for your money, you must take responsibility for your home insurance purchase and make your own decisions. The coverages offered to homeowners are typically contained in a package of liability and property coverages. The Consumer Guide principally addresses the package of coverages found in a home-owners policy. It does not address the more limited offerings of fire and extended coverages. It does not address the state special programs established to meet special needs including availability. Contact your states insurance department for more detail about special conditions of programs in your state. Commonly Asked Questions Why Buy Home Insurance? Owners: to protect both your house and personal property. Tenants: to protect your furniture and other personal property. Everyone: protection against liability for accidents that injure other people or damage their property. How Much Home Insurance Do I Need? Property Protection: The better your coverage, the less you will have to pay out of your own pocket if disaster strikes. Most people will want to have sufficient coverage in place to rebuild their home if it is destroyed. Legal Self Protection: You need enough liability coverage to protect yourself from lawsuits resulting from your negligence. Lender Requirements: Your lender may require you to cover the house for at least the amount of the mortgage. This may be either too little or too much coverage for your individual circumstances.you are not required to purchase insurance from the insurer recommended by your lender. Policy Requirements: Insurers may impose some coverage requirements for replacement cost protection (see page 4). What Affects Home Insurance Prices? Type of Construction: Frame houses usually cost more to insure than brick. Age of House: New homes may qualify for discounts in some states. Some insurance companies either may not insure very old homes or offer a limited form of coverage. Local Fire Protection: Your home s distance from a fire hydrant and the quality of your local fire department determine your fire protection class. Introduction 1993, 2006 National Association of Insurance Commissioners 1
10 Basic Coverages Available A Consumer s Guide to Home Insurance Amount of Coverage: The amount of coverage you buy for your house, contents and personal liability will affect the price you pay. Deductible Amount: Your choice of a higher deductible will reduce the price for home insurance. Discounts: In some states, insurers offer lower prices for such things as insuring your home and car with the same company and installing dead-bolt locks or alarm systems. Credit Reports: In many states, insurers use your credit history as a factor in considering whether to sell you insurance and determine what price you will be charged. What Deductible Should I Choose? The deductible applies only to coverage on your house and personal property. It is the amount you have to pay out of pocket on each claim. A policy with $100 deductible will cost more than one with $250 deductible. Higher deductibles may be available at a reduced price. Basic Coverages Available Whether you own or rent, there are different packages of home insurance offered to protect your home and belongings. Each package protects against a specified number of perils. Perils are events that cause damage to property. Three examples are fire, windstorm and theft. In addition to coverage for named perils, each package policy usually contains four additional types of coverage: property damage, additional living expenses, personal liability and medical payments. Home insurance policies apply to most owner occupied single-family homes, and are modified slightly for apartments and condominiums. Property Damage Property damage coverage helps pay for damage to your home and personal property. Other structures such as tool sheds, detached garages, houses and their contents are also covered. You should check with your agent or your insurance company to determine if the amount of coverage on other structures is sufficient. Personal property is the contents of your home and other personal belongings owned by you or family members who live with you. Home insurance policies may provide limited coverage for small boats; however, most home insurance policies do not cover motorized vehicles unless they are unlicensed and used only at your home. Your insurance agent or your insurance company can help you find appropriate coverage for your car, boat, snowmobile or other recreational equipment. Some forms of personal property, such as, silverware, computers, guns, money, expensive antiques and jewelry, have limited coverage under your homeowner s policy and you may need to consider purchasing additional insurance. This coverage can be added to your policy as an endorsement. You can choose to insure your home and belongings for either replacement cost or actual cash value.these terms are explained below , 2006 National Association of Insurance Commissioners
11 A Consumer s Guide to Home Insurance Replacement Cost or Actual Cash Value? Replacement cost is the amount it would take to replace or rebuild your home or repair damages with materials of similar kind and quality,without deducting for depreciation. Depreciation is the decrease in home or property value since the time it was built or purchased because of age or wear and tear. Many insurers require homeowners to insure their homes for at least 80% of the replacement cost. If the homeowner fails to insure for atleast 80% of the replacement cost, a penalty is applied to partial losses. For example, if it would cost $50,000 to replace your home and it is insured for $40,000 (80% of its replacement value), and a fire causes $25,000 worth of damage, then your insurance company will pay the full $25,000. On the other hand, if your $50,000 home is insured for $30,000 (which is lets than 80% of its replacement value), and you suffer a $25,000 loss, your company would pay for only part of the loss. You would have to pay the balance out of pocket. Your company would pay for damages based upon the following formula: Amount of Insurance Carried =$30,000 Amount of Insurance Necessary =$40,000 to cover assets (80% of $50,000) = 3/4 or 75% Using these figures, your company will only pay for 75% of your $25,000 loss. Hence, 3/4 x $25,000 loss = $18,750 paid by the company. You would have to pay the balance: $6,250. As you can see, insuring your home for at least 80% of its replacement cost is very important. Check with your agent or insurance company to see what is required. You may wish to insure at 100% of replacement cost so you will have sufficient coverage in the event of a total loss. Actual cash value is the amount it would take to repair or replace damage to your home after depreciation. For example, if your roof has a 20-year warranty and is 17 years old, there would be a depreciation for the age and condition of the roof. Most standard home insurance policies cover the contents of your home (i.e., personal belongings) on an actual cash value basis. Many insurers offer an option for you to insure your belongings at replacement cost.the premium will be slightly higher for this coverage; however, you may want to consider the option. Whether your home is insured for replacement value or actual cash value,it is important to keep track of its value. For instance, the addition of a room, new insulation and yearly inflation all increase the replacement cost of your home, while the actual cash value of the home may decrease over time. Check with your agent or insurance company at least once a year to make sure your policy provides adequate coverage. Basic Coverages Available Additional Living Expenses Most home insurance policies provide additional living expenses that will pay some expenses if your home is damaged by an insured event to the extent that you cannot live 1993, 2006 National Association of Insurance Commissioners 3
12 A Consumer s Guide to Home Insurance there while repairs are being made, or if you are denied access to your home by government order. These expenses could include limited motel, restaurant meals and warehouse storage. Personal Liability This coverage protects you against a claim or lawsuit resulting from (non-auto and nonbusiness) bodily injury or property damage to others caused by your negligence. This coverage applies to you and all family members who live with you. You should check with your agent or insurance company to determine if the amount of personal liability coverage is sufficient. Insurance Forms Medical Payments Regardless of who is at fault, this coverage pays medical expenses for persons accidentally injured on your property by a member of your family or by your pets. Medical payments do not apply to your injuries or those of family members living with you or to activities involving your at-home business. You should check with your agent or insurance company to determine if the amount of medical payments coverage is sufficient. Insurance Forms An insurance form is another name for an insurance policy, and it specifies what perils your home and belongings are insured against. The following are descriptions of the various insurance forms available for homeowners, renters and condominium owners. Not all insurers use these exact terms to describe their home insurance forms; however, the coverage provided will be similar. Home Insurance The five homeowners package forms offered to owners of single family owner occupied homes are HO-1, HO-2, HO-3, HO-3 with HO-15 and HO-8. These policy forms insure your home and belongings against at least 11 named perils. The more perils your policy covers, the more you will pay for the policy. Basic Form (HO-1) insures your property against the first 11 basic perils shown in the chart on page 12 Broad Form (HO-2) covers the 18 perils listed in the chart on page 12. Special Form (HO-3), the most popular of all homeowner's forms, offers a broad range of coverage. This form provides comprehensive coverage on your home and broad named peril coverage on your contents. Comprehensive Form (HO-3 with HO-15) covers your home and personal property for everything that is not specifically excluded. This policy generally provides the broadest coverage available, but is not offered by all companies. It usually costs more. Modified Coverage Form (HO-8) is designed to provide package coverage to the owner-occupants of homes that do not meet all the requirements applicable to other homeowners forms. The HO-8 provides building and personal property coverage slightly , 2006 National Association of Insurance Commissioners
13 A Consumer s Guide to Home Insurance more restrictive than that of other homeowners forms for owner-occupants that include a replacement cost clause. The HO-8 is particularly well-suited for residences that have suffered extensive depreciation. Your home may not qualify for one of the five homeowners package policies; therefore, a company may offer you limited coverage on your house. This coverage may be Fire and Extended Coverage often called a Dwelling Fire Policy. your home and only your home would be covered for damage due to very specific perils or losses. Renters Insurance If you rent an apartment or a house, you are responsible for liability coverage and for insuring your personal possessions. Liability coverage protects renters the same as it would if you were a homeowner. The owner of the property is responsible for insuring the building and for obtaining his or her own liability coverage. Tenants Form (HO-4), or a renter policy, insures your household contents and personal belongings against the perils included in the home insurance Broad Form (HO- 2). (Please see page 12.) Like home insurance, it provides coverage for additional living expenses and includes personal liability protection. Condominium Insurance Your condominium association should purchase a policy that covers the building, including any common walls and grounds, including liability associated with common properties. You have a right to examine the association policy. To protect your contents and interior walls, you may purchase Unit-Owners Form (HO-6). An individual unit-owner policy is similar to home insurance and renters insurance. Condominium Unit-Owners Form (HO-6) will cover a unit-owner who wishes to insure his or her property or to cover any items not insured by the association's policy. A unit-owner policy will also pay for property damage to personal belongings, wall, floor and ceiling coverings, and any accessories not originally installed in the unit. It also provides personal liability protection. Insurance Forms Optional Coverages You May Wish to Consider Guaranteed Replacement Cost Coverage Guaranteed replacement cost coverage is the most complete coverage for your home. To obtain this type of coverage, you typically must meet specific underwriting rules and conditions of the company his may include increasing the amount of your insurance on a monthly, quarterly or yearly basis to keep up with the inflation rate. Check with your insurance agent to determine if an additional premium is required and if there are exclusions or conditions that apply. 1993, 2006 National Association of Insurance Commissioners 5
14 A Consumer s Guide to Home Insurance Inflation Guard Endorsement If the replacement cost of your home is increasing with inflation, your policy limits must be periodically increased to maintain your coverage at 80% or higher. Even though the amount of homeowners insurance you carry is at least 80% of your home replacement cost, this amount of coverage may not be enough in the future. To aid you in keeping coverage at an adequate level, some companies offer an Inflation Guard Endorsement. This endorsement will allow your insurance company to automatically change your policy limit during the policy period. Normally, the higher premium is not paid until the time of renewal.even if you have this endorsement on your policy,you should check your coverage limits periodically to make sure you are adequately, but not excessively, insured. Not all companies offer this endorsement, so check with your agent or company if you are interested in purchasing it. Insurance Forms Scheduled Personal Property Endorsement This endorsement is sometimes called a personal article floater. A personal article floater covers possessions such as jewelry, furs, stamps, coins,guns, computers, antiques and other items that may exceed normal limits in your regular home insurance policy. A personal article floater itemizes each article, gives a description of the article insured and lists excluded perils. It often provides coverage that is broader than the cover-age granted in the home insurance policy. There is typically no deductible applied to this coverage. Increased Limits on Money and Securities This endorsement increases the coverage on money, bank notes, securities, deeds, etc. Secondary Residence Premises Endorsement Homeowners coverage under this endorsement applies to a secondary residence (example: summer home). Remember that these secondary residences are not automatically covered by the home insurance policy on your primary or principal residence. Watercraft Endorsement Applicable to small sailboats and outboard motorboats, this endorsement broadens personal liability and medical payments coverage on them. Theft Coverage Protection Endorsement As a result of this endorsement, your theft protection is broadened. The contents of your motor vehicle, trailer or watercraft are covered without proof of forcible entry. This endorsement applies only to forms HO-1, HO-2, HO-3 and HO-4. Credit Card Forgery and Depositors Forgery Coverage Endorsement Loss, theft or unauthorized use of credit cards (with certain exceptions) is covered by this endorsement. Also covered is the forgery of any check, draft, promissory note, etc., again with certain exceptions. No deductible applies to this endorsement. Flood Insurance Standard home insurance policies do not cover flood damage. Depending on where your home is located, you may qualify for flood insurance through the National Flood Insurance Program.Some insurance companies also offer flood insurance. Your agent or insurance company can assist you with application forms for flood coverage. If your home is located in a flood plain, your lender should require flood insurance. Just because your home is not , 2006 National Association of Insurance Commissioners
15 A Consumer s Guide to Home Insurance in a designated flood plain don't assume you will never incur flood damage or that you are not eligible for flood insurance. For more information about federal flood insurance, contact the National Flood Insurance Program at Earthquake Insurance Earthquake insurance is available through most insurance companies at an additional cost. It is normally issued as an endorsement and attached to your home insurance policy. If you live in California, coverage is available from the California Earthquake Authority. Windstorm Coverage Most home insurance policies cover damage caused by windstorm and hail. However, in some areas of certain states, mostly coastal, this coverage is excluded from the standard policy. For more information, ask your insurance agent or insurance company if this peris covered by your policy. Smart Shopping The key to comparison shopping is to know what insurance coverages you need before you start and then to find out how much those coverages will cost from a number of insurers. Comparison shopping takes time but will save you money. Different companies charge different rates for the same coverage. No one wants to pay more for their home insurance than they absolutely have to. The only way you can make certain you are not paying too much is to shop around. Find out what different insurers charge or identical products and services. Seek Unbiased Information Information is available to consumers from a number of unbiased sources. These sources include public libraries, state insurance departments, the Internet, consumer groups and consumer publications. Because the insurance industry, like many other industries, has developed many words not commonly used by the average person, consumers may need to find a good glossary or dictionary of insurance terms from the public library. Consumers may also obtain a wide variety of information from their state insurance department.most insurance departments publish home insurance guides that contain information specific to that particular jurisdiction. Every state insurance department has personnel available to answer questions regarding home insurance coverage. Many state insurance departments help the citizens of their state to comparison shop by publishing premium comparisons. Premium comparisons survey the insurance companies with regard to their rates for a number of locations and typical policy-holders. The results of the survey are published for public use. If your insurance department publishes a premium comparison, it can only be used to give you a general idea of rates available in your state. For specific information, you must contact individual insurers. However, premium comparisons may help you to narrow your choice of insurers or agents you want to call. Insurance Forms 1993, 2006 National Association of Insurance Commissioners 7
16 A Consumer s Guide to Home Insurance Insurance Forms Where to Shop When you begin to contact insurers, there are anew things you should know about how insurance companies market their products. Most insurance companies and many agents advertise. Check the newspaper and yellow pages of the telephone directory for companies and agents in your area. In addition, contact your neighbors,relatives and friends for recommendations on insurance companies and agents. Ask them about their experience regarding price and service. In particular ask them what kind of claim service they have received from the companies they recommend. Consumers often rely on their insurance agent or company to tell them what kind of coverage they need. Insurance agents are paid on a commission basis. Remember, competition only works if the consumer shops for coverage , 2006 National Association of Insurance Commissioners
17 A Consumer s Guide to Home Insurance Price Quotations When shopping for home insurance, premium quotations are a useful tool for comparison of different companies products. When asking for price quotations, it is crucial that you provide the same information to each agent or company. To give you an accurate quote the agent or company will usually request the following information: description of your house; distance from the nearest fire department and fire hydrant; square footage; security devices; a picture of your home; the coverages; and limits you want. This information is necessary to the rating process described earlier in this guide. You should understand that not all insurance companies use insurance agents to sell their product. Insurance companies generally use one of three methods to market their product: direct marketing, independent agents or exclusive agents. The type of marketing method may be good or bad for a consumer, depending on the type of services offered. Therefore, consumers should be aware of each of the three methods and may want to consider them in their purchase decision. Direct marketers sell insurance over the Internet, through the main land by telephone. In some cases, consumers can save money with direct marketers because these companies do not have to pay insurance agents commissions to sell their policies. Companies can pass along some of these savings to the consumer. However, some consumers prefer to pay an additional premium for the opportunity to have a local agent available to them. If you decide to call agents for quotations, ask them how many companies they represent. Independent agents represent several companies; therefore,you can get quotes for more than one company from one agent. This is considered an advantage to many consumers. Some insurance companies sell coverage through agents that only represent their company. These companies call their agents an exclusive agency force. Exclusive agents can only offer you coverage from the company they represent; therefore, you can only get a quote from one company for each exclusive agent that you talk to. Sometimes exclusive agents may work for a lower rate of commission than independent agents. This is because companies do not have to give the agent an incentive to write their product over another company's product. The lower commission structure,especially on commissions for renewal business, can represent significant cost savings to the insurance company and often a portion of that savings is passed along to the consumer in lower premiums. Insurance Forms For Your Protection Once you have selected the insurance coverages you need and an insurance agent or company, there are steps you can take to make certain you get your money's worth. Before signing an application for any insurance coverage, call your state insurance 1993, 2006 National Association of Insurance Commissioners 9
18 A Consumer s Guide to Home Insurance Insurance Forms department and verify that the company and the agent you are dealing with are licensed in your state. It is illegal for unlicensed insurers to sell insurance. Business cards are not proof of a licensed insurance agent or company. If you do business with an unlicensed agent or company, you have no guarantee that the coverage you pay for will ever be honored. If you purchase insurance from companies not legally doing business within your state, you will not be protected by the guaranty fund should the company fail. Every state has a safety net to protect insurance consumers from financial loss in the rare instance that a company becomes insolvent. This safety net is called a guaranty fund. The guaranty funds are established by state law and are composed of licensed companies in the state. They pay the claims of policyholders and other claimants of an insolvent company. The money to pay the claims against the insurance company comes from assessments made against all of the insurance companies that are members of the guaranty fund. If you are contacted by an unlicensed agent or company, call your state insurance department immediately so that regulatory action can be taken.by doing so, you may protect someone less knowledgeable than you from being victimized. You should be aware that a home insurance policy is a legal contract. It is written so that your rights and responsibilities as well as those of the insurance company are clearly stated. When you purchase home insurance, you will receive a policy. You should read that policy and make certain you understand its contents. If you have questions about your insurance policy, contact your insurance agent or company for clarification. Keep your policy in a safe place and know the name of your insurer. If you still have questions, call your state insurance department. Your State Insurance Department Your state insurance department exists to serve you. State insurance departments can be a source of unbiased information and assistance to you. State insurance departments regularly publish written information valuable to the home insurance consumer. They may have additional consumer guides that outline your specific rights and responsibilities under your state s insurance laws and regulations. They also may publish premium comparison reports for your use in shopping for insurance. If you do not understand your insurance policy, you can call your state insurance department and ask questions. If you have a complaint against an insurer, it is always best to contact your insurance company first hand attempt to settle the matter. Most insurance companies have policyholder service offices set up precisely to handle such questions. If you still are not satisfied, contact your state insurance department.state insurance departments have complaint specialists to help you with your problem. Although they cannot represent you legally against an insurance company or adjustor, they can make appropriate investigation to potential violations of insurance laws or regulations based upon your complaint , 2006 National Association of Insurance Commissioners
19 A Consumer s Guide to Home Insurance List of State Insurance Departments Alabama P.O. Box Montgomery, AL (334) Alaska Department of Community and Economic Development 550 W. 7th Ave, Suite 1560 Anchorage, AK (907) American Samoa Executive Office Building Pago, Pago, American Samoa (684) Arizona 2910 N. 44th St, Suite 210 Phoenix, AZ (602) Arkansas 1200 W. 3rd St. Little Rock, AR (501) California 300 Capitol Mall, Suite 1700 Sacramento, CA (916) Colorado Department of Regulatory Agencies 1560 Broadway, Suite 850 Denver, CO (303) Connecticut P.O. Box 816 Hartford, CT (890) Delaware Rodney Building 841 Silver Lake Blvd. Dover, DE (302) District of Columbia, Securities and Banking Government of the District of Columbia 810 First St N.E., Suite 701 Washington, DC (202) Florida Florida Department of Financial Services Office of the Chief Financial Officer The Larson Building 200 East Gaines St. Tallahassee, FL (850) Georgia 2 Martin Luther King Jr. Dr. Floyd Memorial Building 704 W. Tower Atlanta, GA (404) Guam Government of Guam P.O. Box GMF, Guam (671) Hawaii Department of Commerce and Consumer Affairs P.O. Box 3614 Honolulu, HI (808) Idaho P.O. Box Boise, ID (208) Illinois 320 W. Washington St, 4th Flr Springfield, IL (312) Indiana 311 W. Washington St, Suite 300 Indianapolis, IN (317) Iowa 330 E. Maple St. Des Moines, IA (515) Kansas 420 S.W. 9th St. Topeka, KS (785) Kentucky Commonwealth of Kentucky P.O. Box 517 Frankfort, KY (502) (800) (toll-free) Louisiana P.O. Box Baton Rouge, LA (225) Maine Department of Professional and Financial Regulation 34 State House Station Augusta, ME (207) Maryland 525 Saint Paul Place Baltimore, MD (410) , 2006 National Association of Insurance Commissioners 11 State Departments
20 A Consumer s Guide to Home Insurance State Departments Massachusetts One South Station, 5th Flr Boston, MA (617) Michigan Office of Financial and Insurance Services P.O. Box Lansing, MI (517) (877) (toll-free) Minnesota Department of Commerce 85 7th Place East, Suite 500 St. Paul, MN (651) Mississippi P.O. Box 79 Jackson, MS (601) (800) (toll-free) Missouri P.O. Box 690 Jefferson City, MO (573) (800) (toll-free) Montana State Auditor s Office 840 Helena Ave Helena, MT (406) (800) (toll-free) Nebraska Terminal Building 941 O St, Suite 400 Lincoln, NE (402) Nevada 788 Fairview Dr, Suite 300 Carson City, NV (775) (800) (toll-free) 12 New Hampshire 21 Fruit St, Suite 14 Concord, NH (603) (800) (toll-free) New Jersey Department of Banking and Insurance 20 W. State St. P.O. Box 325 Trenton, NJ (609) (800) 446-SHOP (toll-free) New Mexico P.O. Box 1269 Sante Fe, New Mexico (505) (800) (toll-free) New York 25 Beaver St. New York, NY (212) North Carolina 1201 Mail Service Center Raleigh, NC (919) (800) (toll-free) North Dakota 600 E. Blvd Ave, 5th Flr Bismarck, ND (701) (800) (toll-free) Ohio 2100 Stella Ct. Columbus, OH (614) Oklahoma P.O. Box Oklahoma City, OK (405) (800) (toll-free) Oregon P.O. Box Salem, OR (503) (800) (toll-free) Pennsylvania 1326 Strawberry Square Harrisburg, PA (717) Puerto Rico P.O. Box 8330 Fernandez Juncos Station San Juan, Puerto Rico (787) Rhode Island Department of Business Regulation 233 Richmond St, Suite 233 Providence, RI (401) South Carolina P.O. Box Columbia, SC (803) South Dakota Department of Revenue and Regulation 445 E. Capitol Ave Pierre, South Dakota (605) Tennessee Department of Commerce and Insurance Davey Crockett Tower, 5th Flr 500 James Robertson Parkway Nashville, TN (615) (800) Texas P.O. Box Austin, TX (512) (800) , 2006 National Association of Insurance Commissioners
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text:
Hon. Agnes M. Kafula, The President of ALAN
|Hon. Agnes M. Kafula, The President of ALAN, in collaboration with His Worship Hon. Charles M. Matengu hereby announces that the Katima Mulilo Town Council will be hosting the BI _ ANNUAL ALAN Congress scheduled for November 14 – 15, 2013 at the Ngweze Community Hall. The Congress, under the theme "Local Authorities a Key Partner in Decentralization and Social Development" brings together counterpart Associations, Development partners and stakeholders to deliberate on policy and legislative issues affecting the effective and efficient service delivery by Local Authorities.
Hon. Charles M. Matengu
|The Katima Mulilo Town Council in partnership with Association of Local Authorities in Namibia (ALAN) is proud to host the ALAN Bi – Annual Congress, from 13 – 15 November 2013 in Katima Mulilo. As the hosting Mayor, I am pleased to on behalf of the Council and the people of Katima Mulilo invite you all to this important gathering, so that together as local authority leaders and partners; take stock of our successes and setbacks; and map out strategies aimed at enhancing the quality of life of all our people. We are greatly honoured to play host to this historic event and are looking forward to successful deliberations.
BI Annual ALAN Congress
Submitted by admin on 7 November 2013 - 12:19pm

subset: commoncrawl


text:
The next match featured Tajiri taking on Jonathan Coachman. Coachman made his way to the ring first wearing a red headband and a cut off T-shirt. They showed footage of Tajiri spewing mist into Coachman's face backstage at Raw several weeks back and the subsequent incidents between the two. Coachman hit an armdrag takedown at the bell. He reversed a waistlock and evaded a kick. Coachman tried to mock Tajiri but got kicked in the quad. He tried to kick Coachman in the head but he escaped to the floor. Tajiri followed and threw a kick on the floor. Coachman ducked and Tajiri kicked the ringpost. Coachman followed it up by slamming it into the ringpost. Coachman lept down on the leg while it was draped over the ropes. Coachman locked in a leglock and began yelling at Tajiri that he shouldn't mess with him. Coachman backdropped Tajiri but he turned it into a sunset flip attempt for a near fall. Coachman went back to the leglock and used the ropes for leverage. Jerry Lawler said someone was obviously coaching Coachman and guessed it was Al Snow. Tajiri made his way to his feet but Coachman went right back after the leg. Coachman climbed the ropes but Tajiri kicked them and Coachman was crotched. Tajiri began unloading on Coachman, who fell into the ring hanging on the turnbuckles. Tajiri hit his old baseball slide kick into the back of Coachman's head. Fans at ringside chanted "ECW." Tajiri began unloading with kicks and punches on Coachman in the corner. Coachman took him down and tried to get the pin with his feet on the ropes but only got a two count. Tajiri locked in the Tarantula on Coachman, who thought he had won. Garrison Cade ran out and jumped on the apron, punching Tajiri in the face while the referee attended to Coachman. Coachman rolled him up for the pin. Your winner, Jonathan Coachman! Coachman left with Cade.
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text:
Welcome to Colin Wallace Railway Photography!
Here I wish to share with you my passion for photography that I have. My main interest is Steam Railway photography which I have had an interest in for many years but I do shoot the odd diesel too.
I am not a professional photographer, just a very keen amateur so please feel free to leave feedback, positive or negative on how I can improve my photography.
All photographs within this website are available to purchase. Please do not hesitate to contact me if you need any further information or to discuss your requirements.
This website will be updated on a regular basis with new photographs so please 'bookmark' us for future use.
I hope that you enjoy looking around my site.
© The copyright of all photographs on this website belongs to Colin Wallace. Please do not copy or use any photographs without prior permission, thank you.


text:
Aquasys India Ltd is a Chennai, Tamil Nadu based renowned Water Management Company. We entered this business in the year 2006 engineering capabilities to take on and implement turnkey solutions for water and waste water ...
Aquasys India
F - 20, Magestic Gardens, No. 48, Arcot Road, Sali
Chennai, TN 600093
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text:
Kinder Historic Locations
The following historic locations are located in Kinder, Louisiana. Please select a historic place in Kinder to view detailed information including address information, historical signifiance, and much more.
Louisiana Historic Places
|Genius Brothers Building
Jct. of 8th St. and 4th Ave.
Kinder, LA
Specialty Store
|St. Paul Baptist Church--Morehead School
772 Hickory Flats Rd.
Kinder, LA
Religious Structure
Louisiana Historic Places


text: I just wanted to see if my son, Eli, could get his picture as a headline on the website here. He wanted to show his support and love by putting on his FAVORITE outfit. And I swear, its his choice, not mine. He is looking forward to Botcon... told me he wanted a MISB Goodbye Megatron set... kids these days.


text:
If you're a small business in the big, bad world, you should be more worried about your security than anyone else
At the end of 2007, a Websense State of Security survey stated that small business and SoHo owners are rather confident of the state of their security. The survey also stated that they had no reason to be. Despite more than 95 per cent claiming that they have installed antivirus and antispyware programs, more than 70 per cent of the businesses surveyed didn't use measures to block peer-to-peer (P2P) software, instant messaging (IM) or USB Flash drives—the new wave in security breaches. And the bad news doesn't end there, either.
"[SoHos and small businesses] are prime targets for attackers, as enterprises are hard to break thanks to mature security implementations. With growing penetration of broadband and the introduction of WiMAX and 3G services—especially for SMBs—it is a matter of concern that awareness of security is very still limited," Mahendra Lalwani, Country Manager, ZyXEL, tells us. It doesn't end at just installing security software.
What You're Up Against
These are new times, and if you're setting up a new business, you don't even need a physical office! With online office suites and collaboration tools in this new broad(ish)band-enabled country, there's nothing stopping you building a team that's spread across the country. But we digress.
Solution vendors are moving from product sales to annual subscriptions to reduce the total cost of ownership of their solution"
Sunil Chandna,CEO, Stellar Information Systems
One side effect of the distributed office is that laptops and smartphones are a common sight, and the amount of work-related data you could find on them is shocking. What's worse, this (potentially sensitive) information is easily accessible once you get your hands on them. The loss or theft of your device can lead to a lot of trouble for your company—according to a McClatchy-Tribune study, around 57 per cent of corporate crime starts at a stolen laptop. You may not necessarily have to deal with a crime in such a case, but there will be the palpable embarrassment to come to terms with, at least.
And then, there's the common oversight that Sunil Chandna, CEO, Stellar Information Systems points out: "Small businesses have data distributed across desktops, laptops and servers—this increases their risk. Usually, data created by server applications is backed up, but the desktop / laptop data is left unattended."
Then, of course, there's the threat to your network. The Internet and e-mail continue to be the biggest threats—more importantly, it's the way employees use them that matters. In Websense's 2007 State of Security India survey, 35 per cent of the IT managers surveyed believed that employees were a great threat to security—sending work-related documents to personal accounts, clicking links that come from unknown sources and so on. Thirty per cent of the professionals surveyed admitted that they surfed aimlessly—no wonder IT managers worry so much. Not very encouraging, is it?
What You Need
To address the threat to your networks, Lalwani recommends a "multi-layer" defence—at your Internet gateway, on your servers and on every client. "Spam can be addressed with a good server-level filtering mechanism which should be supplemented by gateway-level filtering," he says, "and the defence you design should address all applications used in the organisation, including IM, P2P, VoIP and other wireless systems.
To protect your data from untoward incidents like hard disk crashes, accidental deletion and the like, you need an automated backup solution installed on all your clients and servers. The data on your laptops and smartphones should be backed up to a secure location on your network both before they're taken out of the office and after they're returned.
If these are company-owned laptops, you should also be able to manage them remotely—disable their USB ports and / or DVD writers and so on. To secure laptops from theft, you first need to raise a physical barrier—laptop locks can prevent access to your laptop without a key or combination. You also need a way to track the laptop on the Web, and in the event of a theft, even help recover it.
|In your quest for a security solution, you're bound to encounter and obscene number of three-letter acronyms (TLAs)—we know we did. To ease the pain, here are some:
VAR: Value-added Reseller. These are software resellers who will also offer you support and added services for the products you buy.
SOC: Security Operations Centre. If you've opted for managed security, the Security Operations Centre is where your network will be monitored from. SOCs may operate during regular office hours, but you can pay extra for 24-hour service as well.
CPE: Customer Premises Equipment. This is the opposite of the SOC. Instead of a third party providing you with a security solution, you do it yourself with your own equipment, in your own premises.
UTM: Unified Threat Management. This is the term given to firewalls (usually hardware) that have a bunch of features built into them—spam filters, intrusion detection and so on.
NSA: Network Storage Appliance. A fancy term for a Network Attached Storage (NAS) box. These are locations on your network meant specifically for backing up important data.
What Everyone's Doing
Lalwani tells us what one of his sales executives encountered once—"He had approached the R & D unit of a large business group. It was a small network of around sixty users. A scientist is in charge of the IT setup, and the Accounts Manager acts as the System Administrator."
Few (if any) small businesses have a dedicated IT staff, so this is usually the case—people adding IT administration to their regular jobs. To get this load off their employees, small businesses all over the country are moving towards managed security solutions—in other words, outsourcing. Security software will be deployed on your network, and administered from a Security Operations Centre (SOC), from where your network is monitored for any suspicious activity.
Security software vendors themselves are waking up to the needs of the small business and have begun to offer solutions that specifically target your needs, and more importantly, aren't dauntingly expensive. You can purchase software licenses for groups as small as three people—a welcome change from the times when business licenses were for a minimum of 25 people and cost a bomb. Their approach has changed, too—instead of selling you the product once and forgetting about it, they now offer you yearly maintenance contracts—in the long run, this can save you a lot of money.
A lot of software vendors have a well-established presence in India, and Indian software developers have started to build their own solutions too. For the international vendors that don't have Indian offices, there are several franchisees that provide sales and support.
Securing The Network
Let's consider the multi-layer defence we spoke of earlier—the first layer is the Internet gateway. Your gateway stands between your network and the Internet, so securing this level makes securing the rest much easier. Instead of just a router, you could invest in an Internet Security Appliance (ISA)—which is, simply put, a router with security measures like a firewall, access rights and an anti-virus built in. Prices start at Rs 10,000, and depending on how much you're willing to shell out, you can even get access control to IM and P2P applications. You can get one of these from ZyXEL, Trend Micro and Cyberoam, among others.
To secure your servers and clients, you're better off with a managed security solution. You could either approach larger vendors like Sify, or strike up a deal with your local software reseller—some will install and maintain security software for you. The latter will likely come cheaper, and more importantly, will work better for you if you're in a small town. As for the software itself, take your pick—Norton, McAfee, Trend Micro, BitDefender, QuickHeal—anyone you want. Of late, both Trend Micro and BitDefender (through Unistal, an Indian security software vendor) have taken an active interest in the Indian small business, so you might find the features and prices more to your liking.
Securing Your Data
This one's really a no-brainer, but is unfortunately easily ignored. Backing up data can be as simple as setting up an automatic backup with Windows' own backup tool. While this is easy for one or two PCs, for many clients, you'd want to ensure that data being backed up regularly, and that you can trigger a backup whenever you wish. These solutions have something of a management console that runs on a server and keeps track of the clients on your network and the files and folders on them that need to be backed up regularly, and a client service that runs on each desktop or laptop that's on your network. Bacula is an open source backup solution that runs on a Linux- or Unix-based server and Windows or BSD-based clients—perfect for businesses on a tight budget. To make sure that your backup is safe, you can use software like Stellar Smart, which monitors your hard disk's performance and warns you if a crash is imminent—you can then take your backed-up data to a new location before the crash occurs.
Many backup software vendors also offer software that'll recover your data in the event of a crash or corruption—both Stellar and Unistal have impressive tools to recover data from corrupt hard disks, damaged Outlook PST files, Word files and many more.
If you have the bandwidth, you could consider using an online backup service like JungleDisk (www.jungledisk.com) or BingoDisk (www.bingodisk.com). Both offer high levels of security and redundancy—something that would cost you an exorbitant amount to implement in your own office—and are priced rather reasonably too. One thing we like about JungleDisk is that you only pay for what you store—$0.15 (Rs 6) per GB—but for larger amounts of data, BingoDisk might work out cheaper. You can visit JungleDisk to calculate your expenses based on how much storage you require and how much data you'll be uploading every month.
Finally, secure your laptops. Unistal offers a tool called Locate Laptop, which runs stealthily on your laptop and reports its IP address to a personal tracking page only you have access to. If your laptop is stolen, law enforcement officers can use this IP address to track it every time the thief uses it to connect to the Internet. At Rs 3,000, it's a welcome addition to any laptop.
The Real Secret
While installing a lot of security software can give you peace of mind, there is one flaw in our reasoning—your team. Even though IT managers believe that employees are a huge threat to your data, they also admit that it's the employees, and not the software, that are the key to keeping your data safe. No software can compete against educating your employees about your security policies and brainwas...er...inculcating the habit of following them. If employees are aware of the damage that your company's reputation could take in the event of a security breach, they'd probably pay more attention to what they're doing online.
It's a tall order, but in the long run, it'll save you money, and more importantly, will give you the time to catch up on your FreeCell skills.


text: The rooms are large and clean with comfortable beds and the bathrooms are large with big walk-in showers. And because this is a new hotel, the room had lots of outlets for charging electronics. Our room faced a busy road but we didn't hear any road noise because the windows were double- or triple-paned. The staff here was friendly. The... More


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Aging adults concerned about bone health, bone strength and integrity, and osteoporosis risk might be interested in a new, carefully formulated line of dietary supplements available at OsteoNaturals.com.
What is unique about this set of bone health supplements is the quality of their ingredient formulation, which was personally designed (after extensive research) by an experienced chiropractic physician and former Olympic competitor, Keith McCormick, D.C..
Dr. McCormick was a Modern Pentathlon athlete in the 1976 Olympic Games in Montreal, and more recently has competed in triathlon and ironman competitions.
But his inspiring athletic trajectory was once seriously interrupted by a bone illness involving severely compromised bone density and bone integrity leading to multiple fractures. Dr. McCormick describes this bone problem in some detail on a "Welcome to Osteo Naturals" YouTube video and on the "About Us" page of the OsteoNaturals.com website.
After passionately motivated research on osteoporosis, bone metabolism, and natural approaches to bone strengthening, Dr. McCormick published his book, The Whole-Body Approach to Osteoporosis, in 2009, which reviews in detail findings of scientific research in this area and integrates the data for lay and advanced readers alike.
In a natural progression, Dr. McCormick decided to improve the quality of dietary supplements currently available in the US by formulating his own. The result of his efforts is the newly-released set of Osteo Naturals supplements. OsteoStimTM is a unique blend of phytochemicals/herbals and select antioxidants and vitamins, including two "longer-acting" forms of Vitamin K2. OsteoSustainTM is a broader spectrum vitamin & mineral supplement for bone health that uses special chelated minerals from Albion. OsteoMineralBoost contains the microcrystalline hydroxyapatite form of calcium balanced with magnesium and enhanced by a red marine algae extract rich in trace minerals. Rounding out the line is Osteo-pHBalance, and the alkaline OsteoMineralWhey drink that uses free range goat whey (low temperature processed).
For more details about these scientifically and Olympian-designed bone health dietary supplements, visit OsteoNaturals.com.


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Robert Gordon University is based in Aberdeen in North East Scotland. We are ranked as a Gold institution for teaching in the Teaching Excellence Framework and offer a range of subject areas. Our areas include health sciences, oil and gas engineering, business, computing and technology, social sciences and law.
Aberdeen has a population of 229,000 is one of the safest cities in the UK. Aberdeen benefits from an international airport meaning it well connected around Europe and the rest of the UK with most major cities being less than 90 minutes away.


text: New Search Back to Search Results 9235 Share Profile Jeffrey Messinger, MD Specialty Pediatrics (Board Certified) Phone (714) 282-5437 Address 478 S. Anaheim Hills Rd. Anaheim Hills, CA 92807 Get Directions Accepting New Patients Primary Office Address 478 S. Anaheim Hills Rd. Anaheim Hills, CA 92807 Get Directions Phone (714) 282-5437 Fax (714) 282-8724 Hours Mon - Fri: 8 a.m. - 5 p.m. Secondary Office Address Corona Pediatrics 802 Magnolia Ave. Suite 205 Corona, CA 92879 Phone (951) 739-5944 Fax (951) 739-7480 Hours Mon - Fri: 8 a.m. - 5 p.m. More Information Medical Groups & Affiliations St. Joseph Heritage Medical Group St. Joseph Hospital Affiliated Physicians Video The patient rating score is based on responses and comments from Press Ganey. Responses are measured on a 10 point scale, with 10 being the best score. These scores are then translated to a 5 point scale in order to display results in a 5 Star rating. Comments are also gathered from the same survey and displayed in their entirety with the exception of any language that may be considered libel, or may contain private health information, or is unrelated to the provider being reviewed. Learn more about Press Ganey star rating calculations Meet The Doctor Specialties & Education Primary Specialties Pediatrics (Board Certified) Education & Training Medical School Jefferson Medical College, PA - 1996 Residency University of California- Irvine - 1999 Insurance Accepted Insurance Accepted Insurance ID Numbers Aetna: *408450 Blue Cross: 1M1018 Blue Shield:00A639042 CIGNA: 9232772040 CIGNA Select: 9232772042 Health Net: 3203092527 Health Net Senior: n/a SCAN: n/a United Healthcare: *0183460155 *Provider ID is the same for both HMO and Medicare Advantage Plans Back to Search Results


text: apartments for rent in Fishers IN Welcome home to Reveal on Cumberland, a Luxe Living Apartment community, featuring Chic Living and Stylish Floor Plans. With our impeccable design, and generous amenities, you can find something for everyone. With efficient 24-hour maintenance and superior customer service, Reveal on Cumberland offers a better apartment community than the rest.Just minutes away from Indianapolis, in one of the most emerging neighborhoods in the country, you can explore delicious local dining, specialty luxury shopping and world class culture. Welcome Home – This is Luxe Living.


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Patients may request specific product information by contacting the Global Medical Information department. Please consult your physician or pharmacist for medical advice.
In processing your personal data, Actelion will fully comply with internationally recognized standards of data protection. In doing so, Actelion ensures compliance of its staff with strict standards of security and confidentiality.


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Embrace a sleek look with the petite Raye Jacket, engineered to showcase the curves of the silhouette. This beautiful tailored jacket is instantly flattering. The jacket features a single button fastening with full sleeves, slim line lapels and a nipped-in waistline. Pair with any piece from the Raye collection to create a powerful workwear look.
Model details: Height: 5'4, Model wears: UK Size 10


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Good Morning My Divine Friends!
Card of the Day ~Manifestation~ You have manifested new opportunities and abundance. Know that you can experience these gifts right now! Your hoped-for aspirations are on their way to you. They may arrive in a different fashion than you expected, but the rewards that you truly desire-such as feelings of peace, security, and happiness –are manifested exactly as you requested. Ask your angels to help you have faith in your ability to manifest. With this faith, you and God can do anything!
This is the process by which all thoughts transform into tangible form: First, they begin as an idea, born of Divine sources. Then the idea meets with a feeling. If the feeling is loving and nurturing, the idea and the feeling newborn idea by believing in it and by following the step-by-step guidance that God and the angels give to you through your feelings, dreams, and visions.
Here's to manifesting all your dreams and ambitions. Have a wonderful day. I love you all!
Peace & Love
~Tina Starkey~
Psychic-Medium Metaphysical Counselor


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...Alison Bahmuller!
With thanks to everyone who entered their names. A free Kindle edition of the novella, The King's Pardon, Part IV in my Robin Hood series, will be winging its way to Alison just as soon as its ready! I'm currently about a quarter of the way through it, and with luck and a following wind Robin should be springing back into action next month.
|Alison, say hello to Robin
I have lots of plans for 2015, including the re-release of The Best Weapon, the fantasy novel I co-wrote with my good friend Martin Bolton, the rest of The White Hawk series, and a (very) long-delayed sequel of sorts to The Half-Hanged Man...
Happy 2015 everyone!