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What is the difference between an insurance contract and an insurance policy?

An insurance policy is simply a recitation of terms and conditions which do not attach to a particular person, item or interest. By contrast, an insurance...

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Latest insights and tutorials from the The Daily Horizon team.

What happened to New England Mutual Life Insurance company?

The boards of the Metropolitan Life Insurance Company and the New England Mutual Life Insurance Company agreed yesterday to merge, combining the financial...

What does a landlord have to provide?

A landlord is responsible for: repairs to the structure and exterior of the property, heating and hot water systems, basins, sinks, baths and other sanita...

What is a mortgage insurance certificate?

Certificate issued by HUD/FHA as evidence that a mortgage has been insured, and that a contract of mortgage insurance exists between HUD/FHA and the lende...

Can I put my girlfriend on my health insurance if she is pregnant?

Unfortunately, the answer is likely “no.” Most insurance plans require that you’re married in order to include a partner under your coverage, with some st...

What is a reasonable amount to pay for health insurance?

For example, the average cost of private health insurance for a Basic Hospital plan for a single adult living in NSW is between $109 to $303 per month, wh...

Can I claim on house insurance for leaking pipe?

Your homeowners insurance policy should cover any sudden and unexpected water damage due to a plumbing malfunction or broken pipe. However, most home insu...

Which types of investments are insured against loss by the Federal deposit insurance Corporation FDIC a government agency?

FDIC insurance covers all types of deposits received at an insured bank, including deposits in a checking account, negotiable order of withdrawal (NOW) ac...

How much is Achilles tendon surgery?

On MDsave, the cost of an Achilles Tendon Repair ranges from $3,689 to $13,055. Those on high deductible health plans or without insurance can save when t...

How much is an amputated toe worth?

A recent Jury Verdict Research analysis of jury verdicts found that the overall median award for the amputation of one toe is $119,008. The median award f...