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Homeowners Insurance
Home insurance, also commonly called homeowner's insurance (often abbreviated in the US real estate industry as HOI), is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. Additionally, homeowner's insurance provides financial protection against disasters. A standard home insurance policy insures the home itself along with the things kept inside. Overview Homeowner's policy is a multiple-line insurance policy, meaning that it includes both property insurance and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. This means that it covers both da ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Homeowner Association
A homeowner association (or homeowners' association, abbreviated HOA, sometimes referred to as a property owners' association or POA), or a homeowner community, is a private association-like entity often formed either ''ipso jure'' in a building with multiple owner-occupancies, or by a real estate developer for the purpose of marketing, managing, and selling homes and lots in a residential subdivision. In the United States, the developer will typically transfer control of the association to the homeowners after selling a predetermined number of lots. Generally any person who wants to buy a residence within the area of a homeowners association must become a member, and therefore must obey the governing documents including Articles of Incorporation, CC&Rs (Covenants, Conditions and Restrictions) and By-Laws, which may limit the owner's choices in exterior design modifications (e.g., paint colors). Homeowner associations are especially active in urban planning, zoning and land use ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Lock (security Device)
A lock is a mechanical or electronic fastening device that is released by a physical object (such as a key, keycard, fingerprint, RFID card, security token or coin), by supplying secret information (such as a number or letter permutation or password), by a combination thereof, or it may only be able to be opened from one side, such as a door chain. A key is a device that is used to operate a lock (to lock or unlock it). A typical key is a small piece of metal consisting of two parts: the ''bit'' or ''blade'', which slides into the keyway of the lock and distinguishes between different keys, and the ''bow'', which is left protruding so that torque can be applied by the user. In its simplest implementation, a key operates one lock or set of locks that are keyed alike, a lock/key system where each similarly keyed lock requires the same, unique key. The key serves as a security token for access to the locked area; locks are meant to only allow persons having the correct key to ope ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Earthquake
An earthquake (also known as a quake, tremor or temblor) is the shaking of the surface of the Earth resulting from a sudden release of energy in the Earth's lithosphere that creates seismic waves. Earthquakes can range in intensity, from those that are so weak that they cannot be felt, to those violent enough to propel objects and people into the air, damage critical infrastructure, and wreak destruction across entire cities. The seismic activity of an area is the frequency, type, and size of earthquakes experienced over a particular time period. The seismicity at a particular location in the Earth is the average rate of seismic energy release per unit volume. The word ''tremor'' is also used for Episodic tremor and slip, non-earthquake seismic rumbling. At the Earth's surface, earthquakes manifest themselves by shaking and displacing or disrupting the ground. When the epicenter of a large earthquake is located offshore, the seabed may be displaced sufficiently to cause ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Riot
A riot is a form of civil disorder commonly characterized by a group lashing out in a violent public disturbance against authority, property, or people. Riots typically involve destruction of property, public or private. The property targeted varies depending on the riot and the inclinations of those involved. Targets can include shops, cars, restaurants, state-owned institutions, and religious buildings. Riots often occur in reaction to a grievance or out of dissent. Historically, riots have occurred due to poverty, unemployment, poor living conditions, governmental oppression, taxation or conscription, conflicts between ethnic groups ( race riot) or religions (sectarian violence, pogrom), the outcome of a sporting event (sports riot, football hooliganism) or frustration with legal channels through which to air grievances. While individuals may attempt to lead or control a riot, riots typically consist of disorganized groups that are frequently "chaotic and exhibit herd be ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Vandalism
Vandalism is the action involving deliberate destruction of or damage to public or private property. The term includes property damage, such as graffiti and defacement directed towards any property without permission of the owner. The term finds its roots in an Enlightenment view that the Germanic Vandals were a uniquely destructive people. Etymology The Vandals, an ancient Germanic people, are associated with senseless destruction as a result of their sack of Rome under King Genseric in 455. During the Enlightenment, Rome was idealized, while the Goths and Vandals were blamed for its destruction. The Vandals may not have been any more destructive than other invaders of ancient times, but they did inspire English poet John Dryden to write, ''Till Goths, and Vandals, a rude Northern race, Did all the matchless Monuments deface'' (1694). However, the Vandals did intentionally damage statues, which may be why their name is associated with the vandalism of art. The term ''Va ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Smoke
Smoke is a suspension of airborne particulates and gases emitted when a material undergoes combustion or pyrolysis, together with the quantity of air that is entrained or otherwise mixed into the mass. It is commonly an unwanted by-product of fires (including stoves, candles, internal combustion engines, oil lamps, and fireplaces), but may also be used for pest control ( fumigation), communication ( smoke signals), defensive and offensive capabilities in the military (smoke screen), cooking, or smoking (tobacco, cannabis, etc.). It is used in rituals where incense, sage, or resin is burned to produce a smell for spiritual or magical purposes. It can also be a flavoring agent and preservative. Smoke inhalation is the primary cause of death in victims of indoor fires. The smoke kills by a combination of thermal damage, poisoning and pulmonary irritation caused by carbon monoxide, hydrogen cyanide and other combustion products. Smoke is an aerosol (or mist) of solid particl ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Explosion
An explosion is a rapid expansion in volume associated with an extreme outward release of energy, usually with the generation of high temperatures and release of high-pressure gases. Supersonic explosions created by high explosives are known as detonations and travel through shock waves. Subsonic explosions are created by low explosives through a slower combustion process known as deflagration. Causes Explosions can occur in nature due to a large influx of energy. Most natural explosions arise from volcanic or stellar processes of various sorts. Explosive volcanic eruptions occur when magma rises from below, it has very dissolved gas in it. The reduction of pressure as the magma rises and causes the gas to bubble out of solution, resulting in a rapid increase in volume. Explosions also occur as a result of impact events and in phenomena such as hydrothermal explosions (also due to volcanic processes). Explosions can also occur outside of Earth in the universe in events s ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Hail
Hail is a form of solid precipitation. It is distinct from ice pellets (American English "sleet"), though the two are often confused. It consists of balls or irregular lumps of ice, each of which is called a hailstone. Ice pellets generally fall in cold weather, while hail growth is greatly inhibited during low surface temperatures. Unlike other forms of water ice precipitation, such as graupel (which is made of rime ice), ice pellets (which are smaller and translucent), and snow (which consists of tiny, delicately crystalline flakes or needles), hailstones usually measure between and in diameter. The METAR reporting code for hail or greater is GR, while smaller hailstones and graupel are coded GS. Hail is possible within most thunderstorms (as it is produced by cumulonimbus), as well as within of the parent storm. Hail formation requires environments of strong, upward motion of air within the parent thunderstorm (similar to tornadoes) and lowered heights of the freezing l ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Storm
A storm is any disturbed state of the natural environment or the atmosphere An atmosphere () is a layer of gas or layers of gases that envelop a planet, and is held in place by the gravity of the planetary body. A planet retains an atmosphere when the gravity is great and the temperature of the atmosphere is low. A s ... of an Astronomy, astronomical body. It may be marked by significant disruptions to normal conditions such as strong wind, tornadoes, hail, thunder and lightning (a thunderstorm), heavy Precipitation (meteorology), precipitation (snowstorm, rainstorm), heavy freezing rain (ice storm), strong winds (tropical cyclone, windstorm), wind transporting some Chemical substance, substance through the Earth's atmosphere, atmosphere such as in a dust storm, among other forms of severe weather. Storms have the potential to harm lives and property via storm surge, heavy rain or snow causing flooding or road impassibility, lightning, wildfires, and vertical and horizont ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Lightning
Lightning is a naturally occurring electrostatic discharge during which two electric charge, electrically charged regions, both in the atmosphere or with one on the land, ground, temporarily neutralize themselves, causing the instantaneous release of an average of one Joule, gigajoule of energy. This discharge may produce a wide range of electromagnetic radiation, from heat created by the rapid movement of electrons, to brilliant flashes of visible light in the form of black-body radiation. Lightning causes thunder, a sound from the shock wave which develops as gases in the vicinity of the discharge experience a sudden increase in pressure. Lightning occurs commonly during thunderstorms as well as other types of energetic weather systems, but volcanic lightning can also occur during volcanic eruptions. The three main kinds of lightning are distinguished by where they occur: either inside a single Cumulonimbus cloud, thundercloud (intra-cloud), between two clouds (cloud-to-cl ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Fire
Fire is the rapid oxidation of a material (the fuel) in the exothermic chemical process of combustion, releasing heat, light, and various reaction Product (chemistry), products. At a certain point in the combustion reaction, called the ignition point, flames are produced. The ''flame'' is the visible portion of the fire. Flames consist primarily of carbon dioxide, water vapor, oxygen and nitrogen. If hot enough, the gases may become ionized to produce Plasma (physics), plasma. Depending on the substances alight, and any impurities outside, the color of the flame and the fire's Intensity (heat transfer), intensity will be different. Fire in its most common form can result in conflagration, which has the potential to cause physical damage through burning. Fire is an important process that affects ecological systems around the globe. The positive effects of fire include stimulating growth and maintaining various ecological systems. Its negative effects include hazard to life and pr ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
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