Don't go near this place.
Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy. Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items.
The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance. Property insurance also may cover certain major events outside of your control.
These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program.
Your lender may require this if you live in a flood-prone area. Health Insurance To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty.
Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible.
On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law. Life Insurance When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost.
Life insurance comes in two basic types: With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing.
Universal life covers your entire life, and usually delivers a minimum benefit at death. Travel insurance Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations.
Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover.
But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy. To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company.
The basics of the process are straightforward, but can vary depending on the type of insurance. Claims Adjusters and Examiners A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided.
An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call first. The safety and health of yourself and others takes precedent over insurance. If you're involved in an accident, you need to call the police right away and have them document the situation.
You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process.
Once you have this documentation, call your insurance company right away. In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim.
Once an adjuster has made their own report, review it for accuracy. Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate.
With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim. Insurance is a wise investment, but it can make a dent in your monthly budget.
These factors are similar to those you might use to determine which business to select from a local Yellow Pages directory, including proximity to where you are searching, expertise in the specific services or products you need, and comprehensive business information to help evaluate a business's suitability for you.
YP advertisers receive higher placement in the default ordering of search results and may appear in sponsored listings on the top, side, or bottom of the search results page.
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Called and told them to refund my money. Don't go near this place. We have been getting take out. Food is always warm and fresh! The service is friendly and one is greeted promptly. We've had pizza and Caesar's salad, both were very good. Atmosphere is relaxed and welcoming.
There is plenty of seating and parking available. After trying out other pizza places, Demetrios has become our favorite. We visited Sarasota during a period of "Red Tide" and were staying on Longboat Key where the air was pungent with bacteria and dead fish odors. There was almost no one on the beaches, at St Armand's square, and other outdoor venues near the water Except no regular Nordstroms. A good range of shops including Apple. Not an outlet mall so we didn't find too many bargains.
All the shops you need and customer service at its finest. Great for kids also. Very nice mall to walk in the air conditioning. Good selection of stores - most popular is the Apple Store! You can always find something to take home in one of the many stores. A great selection of stores to chose from, most high level.
Amazing restaurant selection for lunch, dinner and happy hour. Each week a different theme with crafts, gifts, shows, music, face painting- all at no cost! We are looking forward to next summer! Thank you so much for your positive feedback on our Summer Fun kids program! We are so happy you've enjoyed the kids events throughout the summer season, and look forward to hosting again next year! Spoke to one of the vendors who was renting a small kiosk in the walkway. Malls are shutting down all over the country because people cannot afford to pay what the retailers are being forced to charge them Thank you for your feedback.
There are many factors that go into our retail leasing; if you would like to speak to someone directly about it we will be happy to put you in touch with our Leasing Department.
Please give the Mall Management office The Mall at University Town Center, or the Mall at UTC as it is usually called, is so big that before the more than stores open for business at 10 o'clock in the morning dozens of joggers and walkers exercise along the walkways of Flights Vacation Rentals Restaurants Things to do.
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Westfield Sarasota Square is located in Sarasota, Florida and offers 56 stores - Scroll down for Westfield Sarasota Square shopping information: store list (directory), locations, mall hours 3/5(1). 87 rows · Westfield Sarasota Square Stores and Hours Located on Florida’s thriving west coast . Enjoy world class fashion and dining in Sarasota at The Mall At UTC.