Are Dog Bites Covered Under Homeowners Insurance

If you own a dog, you know there are expenses. You cover the cost of food, veterinary bills, boarding fees when you travel, and other things like toys and grooming accessories. You may also have a pet health insurance policy to help cover the cost of treating serious illness, but it is essential to have a policy that protects you and your dog in the event of a biting incident. Some homeowners insurance policies include liability for dog bites, but you should research your options to make sure you are well covered.

How important is having a policy to cover liability when somebody is bitten and injured? It is estimated that close to five million people in the United States suffer a dog bite each year. Not all of those injured are attacked by strange strays, either – often the victim is a friend or relative of the dog’s owner. The degrees of severity will vary, too, and not everybody will file a claim.

USA Today reports that dog bites constitute more than a third of the overall liability claims paid out in 2011. With almost $500 million paid to victims as a result, it comes as no surprise that dog owners may be expected to shell out for higher premiums, and that may deter you from getting the right insurance. This can be risky – you can insist your dog wouldn’t hurt a fly, but are you willing to take chances?

Are dog bites covered under homeowners insurance? This largely depends on the following factors:

1) The insurance company. Does the company of your choice include dog bite liability in their plans? If so, for how much money can you insure your pet should he/she strike? Consult with your agent with regards to your options.

2) Your dog. You may be denied certain coverage by virtue of your dog’s breed. Pit bulls, German Shepherds, and Rottweilers are among the breeds that some insurers will not cover.

If you encounter obstacles in obtaining insurance because of your dog’s breed or the cost of the premium, don’t feel discouraged. There are ways you can work toward getting the protection you need.

1) Enroll your dog in a certified obedience training program. Taking the initiative to condition your dog so he/she behaves around others may help your case when you look for insurance. A company may be willing to give you a policy if you can prove your dog has received the proper training.

2) Research umbrella policies. As the name implies, “umbrella” insurance is designed to cover a broader range of liability than offered by other policies. If your homeowners insurance does include dog bites, your umbrella policy takes over.

Depending on the type of dog you own and other factors, you can enroll in home insurance that covers pet attacks, and protect your pet and home. If you do not have insurance in place, consult with agents and find the right plan for your family.

Tips for Buying Concealer for Under Eye Bags

Concealers work wonders in lightening under eye bags, dark circles and other skin blemishes, dramatically improving your skin’s appearance. The best concealers provide cover without being visible. To get this effect, you do not apply concealer just to the discoloured areas.

The discoloration beneath the eyes is caused by blood vessels that appear blue or grey when they reflect light. To cover this area, you need to choose the right shade and texture. Concealer comes in various formulations and textures, and they are used on different problem areas. It is important to match the texture with the problem area.

For example, a concealer used to cover under-eye areas should always be moist and creamy, whereas a concealer designed to cover breakouts or broken capillaries should be much drier in texture so it will adhere better and last longer. Choosing a formula which is too moist will cause the concealer to slip into creases and fine lines, drawing attention to the discoloured areas which you do not want others to see.

You would need to spend some time experimenting to find the right formula for yourself for different problem areas.

Here Are The Top Three Concealers For Under Eye Bags:

1) Solid Cream Stick Concealers

Solid cream stick concealers give full coverage, but may be hard to blend. They are useful in hiding some of the more prominent blemishes and skin discoloration. They are great for minimizing under-eye circles. However, you need to make sure the consistency is creamy enough to blend well so as not to accentuate the fine lines.

2) Pot Concealers

Pot concealers contain more moisturizing ingredients, but are less thick while still giving good coverage. They work better for under the eyes. Drier, oil-free formulas can be used for other parts of the face.

3) Tube Concealers

These concealers have a creamier texture that is lighter and less likely to collect in fine lines. They are versatile and are great for mature skin. They can be easily mixed with moisturizer or foundation to create a perfect concealer for under eye bags.

When you choose a concealer for dark circles, be sure to choose the same shade as your foundation. If you have truly dark under-eye circles, choose a shade or two lighter. Bear in mind that the under-eye area contains fewer oil glands than anywhere else on your body. When shopping for an eye concealer, be sure to buy a high quality eye crème at the same time. Using eye crème will help your concealer adhere without clogging and caking.

Customized Vehicle Covers Can Discourage Thieves

Cars can be quite expensive, that is why proper maintenance is a must. Apart from annual vehicle check-ups, it is important to keep vehicles from damages that are brought about by the weather. The occasional scratches can also depreciate the value of a vehicle, and can make it look unattractive.

Almost every car owner is aware that they need to keep their vehicles safe, especially when they have to leave it parked for a few hours or days. Keeping a vehicle safe from the prying eyes of thieves is essential, and there are accessories that were designed specifically for this purpose.

An alarm system is perhaps one of the best vehicle protection around. Vehicles with stickers warning onlookers that they are equipped with an alarm system can easily disappoint thieves. As much as possible, thieves would want to steal an automobile that will not cause too much commotion or attract other people’s attention. They will always be looking for an easy, accessible target.

Apart from electronic devices such as alarm systems, there are other simple yet effective accessories that can protect vehicles from thieves. Vehicle covers which are typically used to keep automobiles safe from scratches and other damages caused by the weather are also great in keeping thieves at bay. Taking off the vehicle cover will take them some time, and this is not a luxury that thieves have. They are likely to get caught while still trying to remove it, which easily discourages them.

Unlike alarm systems that can be bought right away, it is recommended for vehicle owners to get customized covers. Most standard-sized covers do not offer the same protection as the customized ones, which can make them inefficient. An owner must know the specific needs of their vehicle before purchasing one.

Vehicles that are usually left under covered garages do not require as much protection as those that are parked outdoors. A car that is parked outdoors will have to endure the effects of the weather outside, and is likely to attract vandals. Those that are designed for outdoor use are made with weatherproof materials that last much longer than those made for indoors.

Another important thing to consider when buying car covers is if it fits the vehicle perfectly. This will help ensure that the cover will not fall off, exposing the vehicle to the weather. Form-fitting protection is the best way to go when leaving a vehicle parked for an extended period of time.