Best Law Now

Browsing Best Law Now blog archives for February, 2010.

Advice On How To Successfully Get Your Children To Bed

Many parents find trying to get their child to bed at night to be one big struggle. The child may play up, whinge and even cry. When in bed, the child may then repeatedly keep getting out of bed and coming downstairs. This article gives advice on how to successfully get your child into bed at night, without all of this fuss.

Some children even though they know that they are tired, do not want to miss out on any of the action or excitement. They want to spend as much time with mom and dad as possible. They can even see the fact that they have to go to bed before their parents as unjust and even cruel. These types of children will want to disrupt and even avoid going to bed at all cost.

I myself have two young children and have been through this experience myself. My daughter especially needs her sleep and can be very moody in the mornings, if she has not had a particular amount of hours of it. As a parent it can become very frustrating as well as upsetting when you see your child crying because they do not want to go to bed. Comments like, please dad just one more program on the television, were far too regular, and at times I felt like backing down.

I have now learnt via reading many books on parenting, how to best deal with this situation. Each child now has a set time when they have to be in bed by. This is a time that they have both agreed to!

They get changed into their pyjamas around half an hour before this time, and then can either spend that period of time playing with their toys or watching the television. If they want to play, we ensure that the games are relaxing ones and not too energetic.

If there is a program that is on later than their agreed bedtimes, I agree to video it for them, this way they know that they are not missing out etc.

I have agreed that I will read them a story at bedtime. This is something they both love and helps them to wind down and relax. They are also given a drink to go to bed with, therefore there is no need for them to keep coming downstairs. This drink is always a juice and should not be fizzy.

I have explained to each child the importance of sleep and that it should be something to enjoy and not to see as some sort of punishment. I have even gone as far as saying that I would love to go to bed at the time that they do, unfortunately their mother does not allow it.

I have tried to make their bedrooms their own little palace. A place that they want to spend time, a place which they find fun, relaxing and comfortable.

My son likes to hear music and therefore we play a tape of his favourite songs in his room. The volume is set quite low and this certainly helps him to get to sleep quite quickly.

These tips have helped to make our childrens bedtimes a pleasant experience, where it once was quite fraught. The children themselves are now into a routine, a routine they are happy with. I hope this advice proves useful to you as well. Good luck.

Homeowners Insurance- Choosing a coverage amount

Homeowners insurance was created to protect homeowners in the event of disasters that threaten their homes and possessions such as fire or theft. Although these events are occurrences that most people do not even want to consider happening to them, the fact is that they do occur often throughout the country and they must be properly prepared for. Homeowners insurance is the best way to ensure that you are protected from unforeseen damage to your home. If a major disaster does occur, you will be extremely happy that you have decided to insure your investments.

When you choose to purchase homeowners insurance, an insurance company will decide how much money will be allotted to you in your homeowners insurance policy. The amount will depend on the value of your home. Oftentimes homeowners do not understand why the coverage amount allotted to them is less than the price they paid for their home upon purchase. This is because the price you purchased your home for is based on the overall value of the home, the land, its location, and a number of other things. Your homeowners insurance only covers the structure of the home itself, since the land is not considered damaged in the event of any damage to your home covered by the insurance (please note: in the United States homeowners insurance does not cover earthquakes).

There are a few requirements for those who wish to get homeowners insurance. In order to qualify for a homeowners insurance policy, you must own the home you are insuring and also live in it. If you own the home and are renting it out, you will not qualify for homeowners insurance. If you are renting a home you will qualify for renters insurance but not homeowners insurance. When shopping around for the right homeowners insurance policy for you, you will find that there are a number of types of homeowners insurance, depending on what you would like to cover. Dwelling coverage covers your home and any attached dwelling areas that you do not live in, such as your garage.

Coverage for Other Structures will cover all dwellings on your property from large storage units to garages to guest homes. Other structures can also be defined as swimming pools, hot tubs, decks, patios and other structures on your land. Personal property coverage covers the contents of your home. With personal property coverage not only is your home covered in your insurance policy but all your possessions located within the house that could be stolen or damaged in the event of a disaster are covered as well. If you have a number of expensive items within your home, this is probably a very good investment for you since you would have a number of large investments at risk in the event of a burglary, fire or other unforeseen event. Loss of Use coverage is vital if your home is left damaged so badly that you can no longer live in it. In the event of a disaster that leaves you with no home to live in, this type of homeowners insurance will allot you a specific amount of money to cover bills for hotel stays, meals at restaurants, etc.

It is clear that there are a number of options for anyone who wishes to invest in homeowners insurance depending on what they wish to insure and how much money they wish to spend on a homeowners insurance policy. No matter what area of the country you live in or how much you home and its contents cost, homeowners insurance is truly a must for anyone who owns a home. In the event of a major disaster homeowners insurance can be your only saving grace in preventing you from losing major amounts of money and property. If you do own a home and do not have homeowners insurance get in touch with an insurance provider as soon as possible to make sure the unthinkable does not happen to you. If you have never invested in homeowners insurance before, most local insurance agencies will be happy to have an agent sit down with you and walk you through the logistics of homeowners insurance. It will be one investment you will surely be glad you made.

Accident Compensation – Why Bother With A Compensation Claim?

People are injured everyday, some worse than others. After a serious injury, many people are so thankful that they’re still alive and they fail to realise that the other party are responsible for their debilitation. Hit them where it’s going to hurt them with an accident compensation claim!

Many people brush off this fact and just want to get on with their life as it was, but soon find out that recovering is easier said than done. Unable to return to work, or even play with their kids in the back yard, the thought of filing a compensation claim becomes more and more plausible, and rightfully so.

How Do I Make Those Responsible Pay?

Simple enough, you file an injury compensation claim with a compensation solicitor, but it is always not so simple. Whether filing a claim against a business, insurance company or individual, you need someone who understands the details and is willing to go the extra mile to gain you the compensation you deserve.

Those responsible will have solicitors on their side, working hard as well, so choosing a representative for you will be the most important decision in the initial stages and can make all the difference in the world for your final outcome.

Is This Just About Money?

If your solicitor is only interested in the bottom line, then you’re in for a big surprise. It not just about money; it’s about make those responsible, responsible.

This may sound like an obvious statement, but it is very true. If there were parties or individuals whose negligence has caused you injury, then it is your absolute right to demand and receive full compensation for what you have been put through and an accident compensation claim is the way to do it.

There are plenty of solicitors out there, promising the big bucks, but they don’t understand their client’s troubles, and it is these solicitors who can cost you your maximum compensation. A solicitor who truly cares and wants to ease the suffering for their clients will inevitably fight harder and win bigger payouts with better verdicts.

Do You Deserve It?

Many people are weary of filing an accident compensation claim because they dont want to be though of as a ‘gold digger’ and see many of the solicitor’s as ‘ambulance chasers’, but reality couldn’t be further from the truth.

The truth is that you are injured, your injury has left you many number of life-altering challenges, rehabilitation is costly and takes time, and you wouldn’t be in this situation if it wasn’t for someone else’s stupidity.

The question isn’t ‘why do I deserve compensation for this’, but ‘why don’t you deserve compensation for this?’

You’ve been seriously hurt by someone and you are somehow left alone in the cold to deal with it yourself. Many people find themselves in this situation, and choose to take the path of injustice and not get the compensation they deserve.

Why???

Money Won’t Change Everything But Can Help

While a large compensation victory won’t take away the pain you have felt, or somehow cure you of your debilitation, but can take away one of the biggest stresses in this time of need…

The last thing an injured person needs to worry about throughout their recovery is money. Financial difficulties add enormous amounts of stress and can seriously undermine the recovery process. However, if known properly, you can place your compensation claim’s financial stress on a personal injury solicitor.

Any and all medical/physiotherapy bills, along with missed time at work and general mental anguish and family stress should not be on your shoulders alone to bear. After all, it’s not your fault you’re in this situation, so why should it be your responsibility to pay for it?

Do the right thing, and get what you deserve. Make today, the day you take back your life.

Homeowners Insurance – Frequently Asked Questions And Answers

It might happen that you are a new homeowner and want to insure your home but dont know about Homeowners insurance. You might take advice of an insurance broker, but at the same time you should also have some elementary knowledge as well.

Here are some frequently asked questions and their answers that might give you some guidelines about Homeowners Insurance.

Q.1 How can I find the right homeowners insurance?

Answer: Internet is the best option to get the right homeowners insurance. You can find online homeowners insurance quote and can make a comparative study to get the best deal.

Q 2. How can I find the best home insurance rates?

Answer: To find a right home insurance rate you should shop around. You are recommended to contact all local insurance agents or brokers to know their norms and terms regarding their area of coverage. You can even request for an online home insurance quote. A comparison of all collected information will help you great to find best homeowners insurance rates.

Q 3. How the security of my house affect home insurance rate?

Answer: Some of the home insurance companies are associated with security companies. If you install in your home modern security facilities like burglar alarms, home video camera, fire alarms and deck-bolt locks to assure additional safety, the insurance companies will give you discount on the home insurance rates.

Q 4. How smoking is related with premiums?

Answer: Smoking is the one of the main causes for residential fires. If all the family members are non-smokers then some insurance companies offer to reduce premiums.

Q 5. Can I get discount, if I am pensioner?

Answer: Yes, of course you can. Some home insurance companies provide discount for senior citizens of the country. If your age is more than 55 and you are a pensioner, then you are qualified for a discount of 10 to 15 percent.

Q 6. Can purchasing more than one insurance policy from the same company help me?

Answer: Buying homeowners insurance policy and auto policy from the same insurance will surely help you getting low rate insurance.

Q 7. Will my rate grow up if I file insurance claim?

Answer: One insurance claim will probably not affect the rate but more than one will surely grow up your rate.

About Fatherhood

For most of us, our first father is God. A large majority of the world considers God as their father; or rather call God as their father. God is father to all in such believing families. What about biological fathers? How does one become a good father? What are the yardsticks by which we measure the goodness of a father?

This is a subject for discussion and application of thought. Who is the final judge about the goodness of the father? The mother? The children? The society? What qualities should a man possess to be called a good father? These questions generate a bigger debate.

Can a mother judge her husband about his goodness as a father? That judgment can depend on so many probabilities. What are her yardsticks? How was her father? What are her beliefs? Do these beliefs match those of her husband? How much does she love her husband and her children? If it comes to taking sides, whose side will she take? Will it be a well thought-out decision or one colored by many other factors?

Can the father judge his own goodness? What may be correct according to him, may be wrong according to her children? The man carries his psychological baggage and many times may be prejudging and expecting responses. Generation gap plays a bigger role. As the world progresses, priorities, tastes, values, everything undergoes change. Therefore a man himself cannot pronounce himself as a good father. Children will contest that, if he does not accept their beliefs. Which child will call his father a good father, if the father has set ideas about partying, relationships, studies, etc.

Can the children judge their father? That is difficult to believe. The children surely wish for a father who not only agrees with their ideas, but supports them in all possible ways in enjoying life. What if a child is such that he believes that enjoying life is more important than studying for examinations?

If we think more about this subject, it will result into more confusion. What is to be thought about fatherhood and how does one become a good father? The best way out might be to accept the generation gap, listen to children before giving orders, have a fair debate on all important issues, and tell children exactly about values that will decide the final action. After doing all this, one should simply do one’s duty and leave the rest to prayers. And before attempting to become a good father, one should first become a good man. A drug addict can never become a good father, nor a habitual liar.

A Guide To Choosing The Right Toy For Your Childs

A Guide To Choosing The Right Toy For Your Childs Age

Choosing the right toy for your childs age is not just a matter of selecting a toy that will engage, entertain and educate them, it is also a matter of safety. If youve browsed the aisles of any toy store lately you probably know that selecting the right toy can be a difficult undertaking. Not only do you want a toy that you can rest assured will provide no danger to your child, but you also want to select a toy that will help your child develop their full potential.

Research indicates that children who are provided with age-appropriate toys that are stimulating will help children to more fully develop their physical, cognitive and creative abilities. By learning which toys are right for your childs age you can help them to stimulate the connections in their brains that are responsible for building your childs future intelligence.

Keep in mind that it is never to early to begin this all important process. Even the youngest babies can begin responding to bright colors, helping their vision to develop more quickly.

Children under Six Months:

Mobiles in bright colors will stimulate vision
Activity centers to encourage reaching for motor control development
Mirrors designed with baby safety in mind to encourage your child to explore faces
Rattlers and teethers that will introduce baby to new textures.
Board books-even at this young age reading to your baby will help them with beginning language development

6 to 12 Months

During this time period, it is important to begin focusing on interactive play with your child. This includes introducing the concept of cause and effect as well working on eye-hand coordination. Simple games such as peek-a-boo and pat-a-cake are fun ways to help your baby discover the wonders of their new world. In addition, look for these types of toys to further stimulate your childs development and learning:

Toys that are musical and make sounds
Baby gyms and activity courses to stimulate crawling
Bouncers to stimulate physical activity
Play telephones to encourage communication through mimicking
Soft dolls and stuffed animals for kids who love to cuddle
Wooden and soft blocks for stacking, filling and dumping games

12-18 Months

Around the time your child turns one he or she may begin to walk or experiment with taking those first steps. Toys at this age should focus on supporting your childs curiosity in exploration while further developing fine motor coordination.

Swing sets and safety trikes encourage physical activity and development
Building blocks for eye-hand coordination
Nesting cups and shape sorters to improve eye-hand coordination as well as problem solving skills
Storybooks/picture books for language and vocabulary development
Toddler appropriate videos and music

18-24 Months

By the time they are a 1 years old most children begin to use their imagination in play. This typically takes on the form of make-believe; however, in reality this type of play is helping them to develop problem solving strategies. Look for toys that support this important time of development by expanding their exposure to shapes, colors, ability to follow instructions and language. The important key to remember at this age is that kids are truly learning with hands-on play.

Costumes and dress-up to stimulate imagination
Push and pull toys that support both tykes that are beginning to walk as well as advanced walkers
Puzzles that are easy to manipulate with a small number of pieces
Playhouses and other scaled down objects that your child sees everyday will give them the opportunity to mimic the world around them.
Swing sets to develop physical skills

24-36 Months

At age two children begin to really focus on fine motor coordination, even though they do not realize it, of course. By this age kids can begin working with board games suitable for their age as well as craft type projects and toys. Most kids this age are also ready to begin playing with other kids, so you may also wish to look for games and toys that are more structured in nature that previous toys.

Simple board games and puzzles to encourage further eye-hand coordination and memory development.
Outdoor equipment such as swing sets, riding vehicles and tricycles to build physical skills
Beginner musical instruments
Playhouses
Sand boxes
Train sets
Dolls
Cars/trucks
Costumes/dress-up
Art sets
Storybooks for language development and vocabulary building
Videos and music, especially those that expose kids to numbers and the alphabet

By keeping in mind which toys are age-appropriate you will be in a better position to help support the lightening fast development of your childs brain and actually step up their learning and development.

Homeowners Insurance: Beyond the Home

Most people buy an insurance product – whether it is a homeowners insurance or another – without reflecting much over what they actually are buying. One thing is the premium or the price you pay for it. This is the single issue or part of the insurance purchase that seem to concern most people. When it comes to other elements of the insurance product they buy, their concerns are almost absent. Most people seem to take for granted that what the insurance you buy is the same, no matter which insurance company you buy it from. This attitude is based on a fundamental misunderstanding of what an insurance product is and how the insurance industry is functioning.

Of course it is important not to pay more for an insurance product than necessary as it is for any product. But sometimes we are unaware of what coverages we have with our homeowners insurance until we file a claim and find out too late that we weren’t covered for a particular loss. Owners of motorcycles, boats and motorhomes may be surprised to learn that neither their homeowners insurance nor their auto insurance covers them for any loss associated with these items.

Non-traditional (or inland marine as some policies are called) insurance is a custom sector of insurance dealing with properties and items that would not traditionally fall under a typical property or automobile insurance. Such items include boats, snowmobiles, ATV’s and person watercraft. You may find that your current insurance company does not even write policies for these types of goods, in which case you will need to check out a specialty insurance company.

Foremost Insurance of Caledonia, Michigan is just such an insurer. Insuring everything from motor homes to motorcycles Foremost offers a wide variety of policies that protect non-traditional goods that homeowners policies simply don’t cover. With agents across the United States, Foremost is a leader in issuing policies that cover losses against such goods. Foremost is part of Farmers Insurance Group, a trusted name in both homeowners and auto insurance throughout the U.S.

Accidents happen no matter if we are in our home, car or riding our ATV. By making sure you are covered you can prevent a small accident from becoming a financial nightmare by making sure you have the correct insurance coverage no matter what you might own.

911 Internet Savvy For Parents Part I

The internet could be considered an entry into a brave new world for this millennium. To be successful in this world you must have access and knowledge of how to use the internet. Children that are able to use the internet will be better prepared for high school, college and the job market.

Lawrence J. Magid of the National Center for Missing and Exploited Children states, millions of people are now going online to exchange electronic mail (E-mail) and instant messages; participate in chat groups; post and read messages in newsgroups, which are sometimes called bulletin boards; surf the world wide web; and many other online activities. Children are no exception in fact they are more likely to be online than adults. The internet is a powerful, educational learning tool that can also be extremely dangerous for children.

Tuesday, June 20, 2006, Austin American -Statesman reported that a teenagers , mother was suing http://MySpace.com for $30 million the suit filed in Travis County claims popular Internet site fails to protect children from adult sexual predators. The lawsuit includes news reports of other assault cases in which girls were contacted through MySpace. The real question here is should MySpace be held responsible for the safety of your child or is that your job.

MySpace is not the only social networking website just the largest boasting a membership of 70-80 million users, Bebo ranks 2nd with a membership of 23million users and other popular teen sites include http://WeeWorld.com, http://Friendster.com, http://Tagged.com, http://Xanga.com and http://Orkut.com. An article published on June 4, 2006 in Fairfield New Zealand Ltd., Stuff on, Social Networking Websites Target NZ Teens in Turf Battle by Kent Atkinson asserts that, children flock online to hang out with friends, express their hopes and dreams and bare their souls with often painful honesty mostly unbeknownst to their tech-clumsy parents.

All of theses incident have occurred within the last couple of months. There are so many safety features on the internet for parents to use that these incidents should not have happened. You would not send you child outside to play on a busy freeway because it is dangerous, well so is the internet. Parents are going to have to accept the responsibility of monitoring their childs usage on the internet. There are many tools to help the novice internet users and the expert internet users monitor there children.

INTERNET SERVICE PROVIDERS WITH PARENTAL CONTROLS

AOL Parental Controls

Monitor online activity with AOL Guardian

Opt for AOL Guardian “report cards” that show your kids’ Web surfing, e-mail and IM activity.
Limit their online time

Monitor how long your kids are online. Set controls by day, time of day or session length.
Approve e-mail contacts

Help your kids’ communicate with friends by creating a list of approved e-mail addresses.
Manage settings away from home

Manage Parental Controls remotely via http://AOL.com. You don’t have to be there to monitor your kids’ activity and Internet safety on AOL.

Limit access to other software, too

Prevent your kids from viewing inappropriate web content on an external browser (like Microsoft Internet Explorer) and block other Internet applications outside AOL.

Earthlink, Parental Controls

Web Blocking and Filtering

Limit your child’s Web surfing to EarthLink’s list of more than 15,000 kid-friendly Web sites, or let your kids visit all Web sites except for the 3 million sites that EarthLink has blocked. You can also create your own lists of approved and blocked Web sites. Even if a site is not specifically blocked by you or EarthLink, Parental Controls can automatically check the language on all Web pages your child visits and remove inappropriate language before displaying them. If the number of inappropriate words on a Web page is excessive, Parental Controls blocks the site completely.

CyberFriends

CyberFriends are the people you allow your child to communicate with online. You create a list of approved palsfriends and familyso that you don’t have to worry about your child being bothered by strangers. You can also define which features of the CyberFriends Communicator (email, chat, bulletin boards, instant messaging, etc.) your child can use.

Email Screening

If someone who is not a CyberFriend sends email to your child, Parental Controls locks that email so that you can review it first. You can then unlock the message so your child to see it, or simply delete it. Parental Controls also locks email that your child sends to non-CyberFriends; you can either unlock or delete those emails, too.

Time Limits

If you’re concerned about your child spending too much time online, you can restrict the hours per day, week, or month that your child can use the Internet.
SBC Yahoo Parental Controls

Parental controls to help you exercise control over the content your children can view on the Internet

AT&T Yahoo! High Speed Internet Parental Controls

Software allows you to control your childs time spent online, access to web sites, email addresses, and more. It even sends weekly report cards.

JUNO

Norton Parental Control Blocks access to Web sites and newsgroups that you consider unsuitable for children. It provides you with an option to set up different Internet access privileges for each person in your household and limit their browsing capabilities.

The list above represents ISP companies that specifically address parental controls. There are many Internet Service Providers that may have parental control check with your service provider to see if available to you.

SEARCH ENGINES WITH FILTERS

Googles SafeSearch

Many users prefer not to have adult sites included in search results (especially if their kids use the same computer). Google’s SafeSearch screens for sites that contain explicit sexual content and deletes them from your search results. No filter is 100% accurate, but SafeSearch should eliminate most inappropriate material.

You can choose from among three SafeSearch settings:

Moderate filtering excludes most explicit images from Google Image Search results but doesnt filter ordinary web search results. This is your default SafeSearch setting; youll receive moderate filtering unless you change it.

Strict filtering applies SafeSearch filtering to all your search results (i.e., both image search and ordinary web search).

No Filtering, as youve probably figured out, turns off SafeSearch filtering completely.

Yahoo! Family Account

Yahoo! Family Account is a free account that allows you to control the information your child shares with Yahoo! and to maintain and monitor their account on an ongoing basis. With your Yahoo! Family Account, you can:

Create separate Yahoo! IDs for each child under 13 in your family.
Modify your child’s account information and other information stored on Yahoo!.
Modify your child’s Yahoo! Mail Block List and Yahoo! Messenger Friend List and Ignore List.
Sign in as your child to modify any aspect of their account.
Protect your child from accessing certain age-restricted areas of Yahoo!.

Yahoo! Family Accounts also offers a set of resources to help your family learn to safely surf the Web.

Childrens Search Engines

These search engines are designed specifically for children and have built in filters.

YAHOOLIGANS
PEACHPOD
ASK FOR KIDS
KIDS CLICK

The only way that you can be sure that your child is safe on the internet is to monitor your childs activities. You must spend as much time reviewing and checking your childs internet surfing as you would teaching your child to hit a baseball. Surfing the internet safely is a skill that you will have to teach your child, it may also be a learning opportunity for you.

Homeowners Insurance

What is Homeowners Insurance?
Homeowners Insurance provides you with the coverage in case of a disaster. In the event of a disaster your homeowners insurance will provide you with financial protection. A homeowners insurance policy insures the home in which you live along with the possessions you keep in it.

Home Insurance is a Package Policy
Homeowners insurance is purchased in a package policy. A package policy means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or a member of your household cause to other people. Homeowners insurance also covers damage caused by household pets.

A homeowners insurance policy covers most disasters, however there are some exceptions such as floods, earthquakes and poor maintenance (Also known as wear and tear). If you want coverage for floods or earthquakes, you will have to purchase separate policies. However, maintenance related problems are the homeowners responsibility to take care of. In fact, keeping up with the maintenance of your home will help to reduce the likelihood of a loss in the future. A good example of this is the replacement of a roof that is showing signs of wear.

Overall it is very important to have homeowners insurance coverage that suits your specific needs. You never know when a loss is going to occur and you are going to need the money to fix it. Take Hurricane Katrina for example; there were many of people that were without homes because they didnt have flood insurance. That is why it is very important that you get the proper coverage.

Remember that standard homeowners policies do not cover flooding so you will have to purchase that separate through your homeowners insurance agent. Discuss all of the possible exposures with your agent, broker, or insurance company.

Replacement Cost
Replacement cost coverage is available for the structure of your home; This allows you to repair the home to the state that it was before the damage took place. Actual cash value coverage is replacement cost less depreciation. The older your possessions are, the less you will recover from the homeowners insurance company.

Renters Insurance
Not only is insurance coverage available for homeowners it is also available for the people who rent apartments or houses. If you rent a house and you have a renters insurance policy, you will be covered in the event of a loss. The coverage for a renter is relatively inexpensive and will cover your property, your liability, and loss of use of the home due to a covered loss.

Coverage Types
The standard homeowners insurance policy includes four different types of coverage.
1)The coverage for the structure of your home is offered by the homeowners insurance company. This means that they will repair or rebuild your home in the event of a covered loss.
2)The coverage for your personal belongings that you have in your home is also covered by the homeowners insurance company. This means in the event of a claim that is covered by your insurance policy, your personal belongings will be able to be replaced. Note: It is a good idea to carry replacement cost coverage for your contents. This way, your items are not depreciated if there is a loss. With replacement cost coverage, your property can be replaced with items of like kind and quality.
3)Liability protection covers you in case of a law suit against bodily injury or property damage that you are your family members caused to another party.
4)Additional living expenses if you are temporarily unable to live in your home because of an insured disaster.

There can be more to a home insurance policy and there are limitations for certain types of property. It is best to discuss these options with a representative at the time your are applying for coverage.