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HOME INS.—WHAT’S NOT COVERED
By Chuck Wells
The hot topic of conversation
today is the TV show American Dreams and what is not covered
under home insurance policies. Really. It is with insurance
agents.
As someone who grew up in the 60’s in Philadelphia, I can tell
you that I missed the opportunity of trying out for American
Bandstand as I did not want to wait outside in line for the
tryouts to get on the show. I was asked by my friends to go down
and try out but thought it was “dumb” and a waste of time. My
daughters are disappointed now when they watch American Dreams
as they could have seen me on the old black and white film clips
of American Bandstand. I would have been one of the nerds with
tight pants, white socks, and a pocket protector. The moral of
the story? If you have the opportunity to try out for American
Bandstand, do so.
And what about things which are NOT covered under most home
insurance policies? Here are a few:
- Animals, birds, or fish
- Flooding of basements
(unless from a broken pipe) and driveways
- Property of roomers or
boarders not related to you
- Tapes or CD’s while in your
car
- Motorized vehicles
(motorcycles, snowmobiles, stored cars, ATV’s) unless used for
the maintenance of your property
- Any lawsuits arising from a
business conducted in your home
- Liability from operating a
motorboat with more than a 25hp engine
- Medical bills for anyone
residing with you
- Clean up of trees which fall
in your yard and do not hit one of your buildings
- Campers parked on your
property
- Earthquake damage
- Vandalism if your house is
vacant for more than 30 days
- Payment of more than $1,000
for jewelry and $2,000 for guns stolen
If you have things of value
which you want replaced if they are stolen or destroyed, contact
your insurance agent and make sure you have the proper coverage.
Don’t wait until something happens and find out the bad news.
WELFARE REFORM MAKING PEOPLE ANGRY?
Welfare reform in the late 1990’s required people to work at
least 20 hours per week in order to collect food stamps.
Liberals said these poor people would starve.
In Syracuse, more than 500 people have “vanished” from the food
stamp rolls and the Salvation Army and food pantries said they
were surprised that the number of people coming to them did not
increase.
Michael Manney lost his food stamps because he refused to work
and finally “gave in” to his girlfriend and found a job washing
dishes at a Red Lobster.
Theodore Clark was sponging off his mother who said she could
“barely afford a sandwich at Wendy’s.” Clark refused to go to
work saying: “I ain’t going to kill myself for no food stamps.”
After “relentless pressure” from his mother and wife, he finally
went to work.
BOY RUNS OVER MOTHER
A 28 year-old Wichita, Kansas mother died after being run over
by her 12 year-old son. The boy and friend wanted to play
basketball in the driveway so mother gave him the keys to her
car and told him to back the car out while she directed him from
behind the car. The boy reluctantly agreed. The mother fell
backwards; the son panicked hitting the gas instead of the
brake, ran over mom and crashed into their house.
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