Does Your Homeowners Insurance Really Protect You at All?

Fire damage

There are numerous, cruelly contradictory loopholes that can allow a home insurer to deny fire damages claims. Some insurers will only pay out if your home or belongings were damaged or destroyed by fire. Insurers may refuse, however, to pay a claim for damages caused by smoke, even though fire caused the smoke.

Some policies may be exempt from payout because someone died in a fire due to smoke inhalation but not necessarily because they were burned alive. Or, if the fire department ruins items due to use of water those may not be covered, even though a fire necessitated such actions. If a home has been vacant for over 30 days when a fired occurred, a claim can be denied.

Small-cap winners galore

The big stock market winners share one common attribute: Near the beginning of the ascent of their shares, the companies offer revolutionary products or services, are market leaders in their respective industries, or both. Some big stock market winners that possessed the attributes outlined above are Netflix (NFLX), which we recommended to investors in October 2002; Intuitive Surgical (ISRG), which we bought and recommended in July 2004; Baidu.com (BIDU), which we bought and recommended in August 2006; and MercadoLibre (MELI), which we recommended to investors in October 2010. Get up-to-date small-cap stock picks from David Frazier, editor of Small-Cap Profit Confidential.
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Smarter cryptocurrency investments

The stock market crash of 2008 was the catalyst for his journey into alternatives. And interestingly, it was the impetus behind the creation of Bitcoin and the blockchain technology behind it. Keene Little wasn’t ready to risk his money yet but he was very curious, so he began charting Bitcoin’s technical patterns. What finally convinced him to dip a toe into digital currencies was seeing that they followed familiar price patterns that could be analyzed and successfully acted on. Now he shares those insights with subscribers to the Crypto Wealth Protocol.
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