A home insurance policy in the US typically includes coverage for damage to the home and the owner's belongings, certain legal claims against the owner, and even a small amount of coverage for medical expenses of guests who are injured on the owner's property.

They also may not write insurance that is typically available in the admitted market, do not participate in state guarantee funds ( and therefore policyholders do not have any recourse through these funds if an insurer becomes insolvent and cannot pay claims ), may pay higher taxes, only may write coverage for a risk if it has been rejected by three different admitted insurers, and only when the insurance producer placing the business has a surplus lines license.

While on the surface it appears the broker represents the buyer ( not the insurance company ), and typically counsels the buyer on appropriate coverage and policy limitations, in the vast majority of cases a broker's compensation comes in the form of a commission as a percentage of the insurance premium, creating a conflict of interest in that the broker's financial interest is tilted towards encouraging an insured to purchase more insurance than might be necessary at a higher price.

According to Puglisi, in the post-1960 period the Times displays a more symmetric type of watchdog behaviour, just because during presidential campaigns it also gives more coverage to the typically Republican issue of Defense when the incumbent President is a Democrat, and less so when the incumbent is a Republican.

* Tanga, a type of panty featuring full back and front coverage, but string-like sides that are typically thicker than those found on a string bikini.

On the consumer level, loans against securities have grown into three distinct groups over the last decade: 1 ) Standard Institutional Loans, generally offering low loan-to-value with very strict call and coverage regimens, akin to standard margin loans ; 2 ) Transfer-of-Title ( ToT ) Loans, typically provided by private parties where borrower ownership is completely extinguished save for the rights provided in the loan contract ; and 3 ) Non-Transfer-of-Title Credit Line facilities where shares are not sold and they serve as assets in a standard lien-type line of cash credit.

Part B coverage begins once a patient meets his or her deductible ($ 140 in 2012 ), then typically Medicare covers 80 % of approved services, while the remaining 20 % is paid by the patient.

Homeowners and renters insurance policies typically provide liability coverage from US $ 100, 000 – 300, 000 for injuries inflicted by dogs ; however, some insurance companies limit their exposure to dog bite liability claims by putting restrictions on dog owners that they insure.

Hockey Night in Canada coverage typically begins 30 minutes prior to the opening faceoff of the first game with the pregame show called Scotiabank Hockey Tonight.

Non-clear channel stations typically have reduced coverage at night, due to noise and a mish-mash of other stations propagating in via skywave after dark.

It is submitted to the state by an auto insurance company to serve as proof that a driver has the minimum liability insurance that the states requires. SR-22s are typically filed with the respective State's DMV, and in some States must be carried by the licensed driver, or in the registered vehicle ( particularly if the licensee has been cited for coverage lapses, DUI or other administrative infractions ).

If the angle of coverage of the lens does not fill the sensor, the image circle will be visible, typically with strong vignetting toward the edge, and the effective angle of view will be limited to the angle of coverage.

In the UK there are also community broadcasters, there are now 228 stations with FM broadcast licences ( licensed by Ofcom ) Community radio stations typically cover a small geographical area with a coverage radius of up to 5 km and run on a not-for-profit basis.

Used more loosely, it is the lead ship in a fleet of vessels, typically the first, largest, fastest, most heavily armed, or, in terms of media coverage, best known.

* From to, ABC's Monday Night Football coverage began at 9 p. m. EST / EDT, with game kickoff typically coming seven minutes after the hour.

A coverage is a special kind of geographic feature, with the distinguishing characteristics that other features have one particular value associated ( such as a road number, which remains constant over all the road's extent ) whereas a coverage typically conveys different values at different locations.

Historically, " coverage " is the term typically applied to the legacy Arc / INFO format developed by ESRI.

Commercial paging transmitters typically radiate 1000 watts of effective power, resulting in a much wider coverage area per tower than a mobile phone transmitter, which typically radiates around 0. 6 Watts per channel.

A cornerback's skillset typically requires proficiency in anticipating the quarterback, back-pedalling, executing single and zone coverage, disrupting pass routes, shedding blockers, and tackling.

In terms of defending passing plays, a corner will be typically assigned to either zone or man-to-man coverage.

* Howland and Baker islands, includes coverage of the Howland-Baker EEZ

: Year One: Old Testament ( also includes some coverage of related topics in the Book of Moses and Book of Abraham from the Pearl of Great Price )

The law includes health-related provisions to take effect over the next four years, including expanding Medicaid eligibility for people making up to 133 % of the federal poverty level ( FPL ), subsidizing insurance premiums for people making up to 400 % of the FPL ($ 88, 000 for family of 4 in 2010 ) so their maximum " out-of-pocket " payment for annual premiums will be from 2 % to 9. 5 % of income, providing incentives for businesses to provide health care benefits, prohibiting denial of coverage and denial of claims based on pre-existing conditions, establishing health insurance exchanges, prohibiting insurers from establishing annual coverage caps, and support for medical research.

* Howland and Baker islands, includes coverage of the Howland-Baker EEZ

Generally, an insurance contract includes, at a minimum, the following elements: identification of participating parties ( the insurer, the insured, the beneficiaries ), the premium, the period of coverage, the particular loss event covered, the amount of coverage ( i. e., the amount to be paid to the insured or beneficiary in the event of a loss ), and exclusions ( events not covered ).

For example, a homeowner's insurance policy will normally include liability coverage which protects the insured in the event of a claim brought by someone who slips and falls on the property ; automobile insurance also includes an aspect of liability insurance that indemnifies against the harm that a crashing car can cause to others ' lives, health, or property.

* Baseball Think Factory is a web forum that includes extensive coverage of and commentary on baseball, usually from the perspective of sabermetrics.

Lines to the North of the country use HaMifratz Central Bus Station and their coverage includes most towns in the North of Israel.

Part B coverage includes physician and nursing services, x-rays, laboratory and diagnostic tests, influenza and pneumonia vaccinations, blood transfusions, renal dialysis, outpatient hospital procedures, limited ambulance transportation, immunosuppressive drugs for organ transplant recipients, chemotherapy, hormonal treatments such as Lupron, and other outpatient medical treatments administered in a doctor's office.

The Canada Health Act requires coverage for all medically necessary care provided in hospitals or by physicians ; this explicitly includes diagnostic, treatment and preventive services.

The Towson Times expands coverage beyond the Towson area and includes Baltimore County government and politics.

The social security system, which expanded rapidly during the prosperous 1950s and 1960s, includes a medical system, unemployment insurance coverage, child allowances, invalid benefits, and other benefits and pensions.

It has four editions and includes extensive coverage of the local sports scene.

This criticism includes accusations of biased coverage, conflict of interest, and controversies with individual broadcasters and analysts.

SEC coverage is primarily provided by CBS and the ESPN family of networks, which includes ESPN, ESPN2, ESPNU and ABC.

** While the last inning and a half of Game 2 is missing from the Major League Baseball / NBC copy, the Andrews plays ( totaling about 60 seconds of coverage ) survived because after the World Series, NBC put together a 20-minute presentation tape narrated by Curt Gowdy to submit to the Peabody Awards in order to get consideration for an award for their coverage by the committee ; the tape includes the two Andrews plays with Gowdy and Tony Kubek's calls and analysis of them.

The museums coverage includes items from South and South East Asia, Himalayan Kingdoms, China, the Far East and the Islamic world.

Responding to criticism of the newspaper's coverage during the run-up to the 2008 presidential election, Howell wrote: " The opinion pages have strong conservative voices ; the editorial board includes centrists and conservatives ; and there were editorials critical of Obama.

Local programming with viewing area coverage includes:

# Medical coverage, for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Many marine insurance underwriters will include " time element " coverage in such policies, which extends the indemnity to cover loss of profit and other business expenses attributable to the delay caused by a covered loss.

In addition, below-the-line costs include production insurance, errors and omission coverage ( E & O ) insurance and other unforeseen expenses under the heading " contingency ", which usually begins at around 10 %.

This can cover medical expenses of individuals involved in the accident as well as restitution or repair of damaged property, all of which would fall into the realm of casualty insurance coverage.

During the coverage of leaked Parliamentary expenses details in 2009, it was revealed that Henderson claimed £ 800 for telephone calls from a house in Anstruther, Scotland in 2007 / 08.

During its extensive coverage of the United Kingdom parliamentary expenses scandal, The Daily Telegraph published the story that Simpson had claimed £ 185 for light bulbs over a period of four years.

Many financial advisors or other experts, such as Dave Ramsey, commonly recommend term life insurance as a means to cover potential expenses until such time that there are sufficient funds available from savings to protect those whom the insurance coverage was intended to protect.

Specifically, the Act expanded the Medicare program to provide protection against catastrophic medical expenses and for the first time, provided coverage under the Medicare program for prescription drugs.

Their goal is to obtain coverage for expenses like laboratory and surgical fees.

For example, some policies will offer a " no lapse " guarantee, which states that if a stated premium is paid in a timely manner, the coverage will remain in force, even if there is not sufficient cash value to cover the mortality expenses.

Following the grounding of the Torrey Canyon in 1967, coverage for the liabilities, costs and expenses arising from oil spills became an increasingly important aspect of P & I insurance.