Home Insurance

Home insurance, also commonly called hazard insurance or homeowners insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its 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. It requires that at least one of the named insured occupies the home. The dwelling policy (DP) is similar, but used for residences which don't qualify for various reasons, such as non-occupancy or age. It is a multiple line insurance, meaning that it includes both property and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. Standard forms divide coverage into several categories, and the coverage provided is typically a percentage of Coverage A, which is coverage for the main dwelling. The cost of homeowners insurance often depends on what it would cost to replace the house and which additional riders—additional items to be insured—are attached to the policy. The insurance policy itself is a lengthy contract, and names what will and what will not be paid in the case of various events. Typically, claims due to earthquakes, floods, "Acts of God", or war (whose definition typically includes a nuclear explosion from any source) are excluded. Special insurance can be purchased for these possibilities, including flood insurance and earthquake insurance. Insurance must be updated to the present and existing value at whatever inflation up or down, and an appraisal paid by the insurance company will be added on to the policy premium. Fire insurance will require a special premium charge, plus the addition of smoke detectors and on site fire suppression systems to qualify.

Poker Draw

Playing Draw Poker

Draw Poker is played with a standard 52-card deck. Standard poker rankings apply. Players are dealt five cards face down, one at a time, in rotation. A round of betting begins (check, bet, call, raise, or fold). The remaining players may discard any number of their original cards and have the same number of cards replaced by the dealer. Another round of betting occurs. The player with the highest ranking five-card poker hand wins. In the event of a tie, the pot is split equally.

Check

A check passes the action to the next player. If all players check, the next card is turned and the player's options repeat.

Bet

Initiating action by placing a bet.

Fold

You fold when the cards that you hold are so lousy that to remain in the game would spell certain doom. Correct way to fold: You gently place your cards in front of you face down on the table. Incorrect way to fold: You launch into a string of superlatives and demonstrably throw your cards into the air while pushing yourself away from the table in tears.

Call

In order to "call" you are required to contribute the equivalent amount of chips as the other players since your last bet. The player to the left of the dealer has the ability to "check" because the value of the pot has not been established. This is applicable on the first round of betting.

Raise

Similar to a "call" except this time you get to increase the value of your bet when the chance to do so arises since the last time you bet. This is a good strategy if you feel that you have a strong hand or want to see who's "bluffing" and who's not. There is generally a maximum limit that you can raise per round.

Indian Poker

Blind man's bluff also called Indian poker, or squaw poker or Indian head is a version of poker that is unconventional in that each person sees the cards of all players except his own.

The standard version is simply high card wins. Each player is dealt one card that he displays to all other players traditionally stuck to the forehead facing outwards- supposedly like an Indian feather. This is followed by a round of betting. Players attempt to guess if they have the highest card based on the distribution of visible cards and how other players are betting.

Other versions forehead stud are variations on stud poker, in which one or more of the hole cards is hidden from its owner, but shown to all other players, as above. During its coverage of the 2004 World Series of Poker, ESPN showed a Blind Man's Bluff version of Texas hold'em.

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