For anyone of us, mere mortals, whose look and health might be affected for a short time, this kind of the accident will leave bad memories and, maybe, scars. But what if your nose is your working equipment?

 
And what job could it be, you might ask? Actually, it’s something we all do once in a while: wine tasting. Remember? First thing you do is gently swish the wine in a glass and then slowly inhale the complex (hopefully) bouquet of the scents and flavors.

 
The Associated Press brings to light the case behind (or in front) of the leading European winemaker and tastemaker Ilja Gort, who had his nose insured for $8 million by the Lloyd of London. If this man injures his nose, it may diminish the feeling in his nose, which may lead to a loss of smell. He also will loose the job he loves, the income he enjoys and diminish the level of service he provides to people by doing his job well.

 
By the way, the insurance policy has some restrictions, too: he is not to engage into a motorcycle rides, he is not allowed boxing, he can’t be a knife thrower’s assistant or a fire-breather. O, and he has to be very careful choosing a barber, so his nose is not to get nicked or scratched. No, I don’t know about diving.

 
Now, keep in mind, that this is nothing to sneeze at. (If you were to pay through the nose, you would impose your own harsh rules, too).

 
If you read the story published at msnbc.msn you’ll find out more about the celebrities, such as Marlene Dietrich, America Ferrara and others, who had their famous body parts appraised and insured.

 
This information was provided to you as reminder: keep your nose out of troubles, your insurance – current, and your lawyer’s phone number – handy.

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This excerpt is from Liberty Mutual Insurance company’s page:

 
“New Car Replacement – If your new car is totaled or stolen within the first year and the car’s first 15,000 miles, we’ll reimburse you for the full value of your car, less the deductible if you are covered under Collision, Limited Collision, or Comprehensive Coverage. You’ll lose nothing in depreciation. A total loss specialist will even help you choose your new car.”

 
Check www.libertymutual.com for more information or find an agent near you.

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If you own a house, you have a homeowner insurance. Read it. You might find out, that your policy is not what you expected it to be. Call your agent and ask questions.

 
What if you live in the rented apartment or house? What will you do, if the place gets robbed or your neighbor leaves the stove unattended and your apartment becomes a wreck, including the furniture, ruined by the team of the firefighters and the art collection, covered with a soot?

 
Your answer is: rental insurance.
Here are the quotes from the article I read the other day in San Francisco Chronicle: “The problem is that most people don’t have it, and they don’t know how exposed they are,” said Michael Finney of “ABC-7 On Your Side.” “If you’re a working adult, it’s probably something you should have.”

 
“…most don’t realize that renters insurance will come into play in other instances as well – if someone steals something from their car, or out of their hotel room while vacationing in Bangladesh, or even from their son or daughter’s college dorm room.

 
Renters insurance also protects policyholders from liability: If someone slips on a wet kitchen floor during a party, the dog bites a neighbor or a passer-by trips over a hose left on the sidewalk and sues, the policyholder is covered up to the limits of the policy. One major carrier’s basic policy offers $100,000 of liability coverage. Additional liability coverage is available.

 
“There is usually a limited amount of medical coverage included in a renters insurance policy as well. If a guest cuts her finger preparing food, needs medical care and doesn’t have insurance of her own, renters insurance will pay – usually from $1,000 up to $5,000 – for treatment.”
“While the cost of renters insurance is determined by a number of factors, including ZIP code, safety features such as sprinklers and security system, as well as size of the apartment, an average policy offers about $25,000 worth of coverage on personal possessions and costs about $200 to $300 a year.”

 
Those are just a few answers to your questions.
You may read the article in its entirety here: www.sfgate.com.

 
For more info click the following link: http://www.insure.com.

 
Now, ask your friends if they can recommend an agent or call any insurance agency and obtain your renters insurance and a piece of mind, as well.

 
Have a happy and save Holiday Season.

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(Via Sacramento Bee)
www.sacbee.com

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moneycentral.msn.com

www.911auto-insurance.info

The sites shown for the informational purpose only. Choose your own company, preferably in conjunction with your home insurance policy.

 
Website of the Day
The Teaching Company – The Great Courses
“Museum Masterpieces: The Louvre” 12 lectures. $199.00 (check for promotional price).
www.teach12.com

Best University Courses without going to Class
www.teach12.com
It’s the adventure of learning without the homework or exams.

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companies offer it and not all agents know it). It will cost you approximately $25 to $50 annually. Talk to your insurance agent.
www.statesman.com
 

 
Gift of the Day
Flip Video Ultra Series Camcorder, 60-Minutes $148.53-$179.99

www.amazon.com

Make Video of your home’s valuables.

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This site is shown for the informational purpose only. Choose your own company, preferably in conjunction with your automobile policy.

 
Gift of the Day:
Toaster and Microwave Combo $124.88
www.Amazon.com
It’ll fit into a rental unit’s kitchen better, then 2 separate items.

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Home-Based Business Insurance
If you have a home-based business, consider a comprehensive business insurance package.
Read more here:
www.insure.com
This site is shown for the informational purpose only. Choose your own company, preferably in conjunction with your automobile insurance policy.

 
Gift of the Day
Cherry Finish 6 Shelf Bookcase $49.99
Shop at www.Amazon.com!

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