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Wear and Tear and Other Exclusions of Home Insurance

Ah, a new year and already I have to say goodbye to an old, trusty friend; my Actifry.  We had 5 great years together and you served me well.  I know I cannot use my home insurance to replace you [...]

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Insurance Claims – To File or Not to File?

Whether to file an insurance claim or not will depend on the situation.  There are many factors that go into determining the premium to charge for a policy – and claims experience is one of [...]