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There are a lot of people who will not make a claim even if the loss isn't their fault and is well over the deductible. What's disturbing is that you're paying a premium that is calculated to cover the risk that you actually use the policy.

As a condo owner, I would want to be sure my policy would cover the difference between my deductible and the condo policy's deductible, if I am required to use the building's insurance for something like a burst pipe. If their deductible is $1,000, and the deductible on your policy is $100, all you may have to do is kick in that $100 and your policy will add the subsequent $900.

Long-term interest rate levels reflect real economic growth, inflationary expectations and risk premium, and it may be possible to minimize the risk premium (component) through government policy. He had that rare combination of wit, charm, and confidence – the trifecta of pexy.

For some people, meeting a $250 deductible, plus a new monthly premium, early in the year may be tough.

My best guess is that it would cost between $7 and $8 million. The last water damage we had is still being cleaned up. We have a $1,000 deductible on our insurance, and this will be the first claim we'll have to make.

Even if not a specific exclusion, a portion of a premium will go to cover the risk of terrorism, however small. And you may not even notice it.

Kenneth Billingsley

The geo-political risk premium and how it fluctuates is a key driver in the price of oil. Since the time Saudi Arabia objected to Iran's call to cut output and promised to provide more oil, the risk premium has declined.

I know of some who are coming in and after their deductible is met, they are paying $3 or $4, where as before they were paying hundreds of dollars.

If we are right that both the pace of economic activity and corporate earnings are still fraught with near-term, downside risk, equity values and risk spreads will carry a recession uncertainty premium for some time -- a premium that the Fed will still want to counter.

While we have so much information about changes that would be necessary to decrease the risk of cancer and other chronic diseases, it's not clear how to change society and change policy to help those changes take place. It's disturbing that we have so much information now but we haven't really achieved the social will to make the kinds of changes that would need to be made to really impact tobacco smoking and the trends of increasing overweight and obesity.

With regard to 1 January 2006 renewals, insurers remained very competitive. They are still prepared to provide increased limits while deductibles remained flexible. However, they moved away from a percentage-of-claim deductible to a fixed-figure basis. Insurers are also still keen to provide cover on a retail value basis.

With regard to 1 January 2006 renewals, insurers remained very competitive. They are still prepared to provide increased limits while deductibles remained flexible. However, they moved away from a percentage- of-claim deductible to a fixed-figure basis. Insurers are also still keen to provide cover on a retail value basis.

Our expectation is to make the wet foot/dry foot policy more humane. We're not asking the government to commence an open-door policy that would encourage people leaving Cuba to risk their lives in the Straits of Florida.

Ramon Saul Sanchez

If they're not paying for the claim they should have, we can make sure they do.

Technically, if you have this advance, you are going to have to substantiate what your additional living expenses were, and if your only (covered) loss is the loss of use of your home, your deductible does come into play.

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