How to Conserve Water During a Drought

August 31st, 2014

conserve-water-stop-drought

Many areas of the western United States are experiencing a particularly nasty drought right now. This is making water into a valuable and precious resource in those areas. No one knows how long the drought will last, or how bad it will get before it’s done. Even when it is over, it will take a long time for the area to recover its water levels.
It’s important to know how to save water during a drought, because every drop counts when rain is scarce. Do your part to help keep the faucets flowing by following these water-saving tips.

water-conservation-devices

1. Install Low-Flow Water Devices on Your Toilet, Shower, and Washing Machine

Everything will get just as clean with low-flow devices as it will without them. In fact, most of our water-using appliances are configured to use much more water than is necessary. By installing low-flow devices, you are keeping water usage reasonable, helping the environment, and saving money on your water bill, too. You may have to get used to taking showers with a little less water pressure than you’ve previously been used to, but the overall benefits to the earth are worth it.

2. Stop Watering Your Grass

One of the biggest water wasters out there is lawn maintenance. Those automatic sprinkler systems use a ton of water that could be saved and used to help people who need drinking water. Even using a hose to water your lawn uses more water than you may think!

We’ve all become attached to our nice green lawns. In fact, some cities have ordinances that require them (though most places will lift this requirement if there is a serious drought). The best way to have a nice looking lawn while avoiding watering it is to either install realistic looking faux grass, or to landscape your yard with drought-resistant plants and rocks. None of these things require watering, and your lawn will still look beautiful.
dont-use-water

3. Don’t Wash Your Car

Much like a green lawn, a shiny car is just something most of us have gotten used to having all the time, even though it is not a necessity. Washing your car at home or at a car wash uses more water than can be spared for such things during a drought. If it’s driving you crazy not to have a clean car, there are a number of waterless cleaning treatments at your local auto supply store.

 

The important thing to remember in a drought is that every drop of water saved is precious. That water can go for drinking, bathing, and sanitation, rather than frivolous things. Do your part to help your community, the earth, and even yourself by using these water saving tips if you’re living in drought conditions.

water-conservation
The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

 

Wedding Insurance 101

August 29th, 2014

wedding-insurance

Most couples spend months, or even years, planning the most important day of their lives right down to the last detail. However, no matter how well you plan there are always unexpected issues that can arise, turning your big day into a big disappointment. While you may not be able to stop a tropical storm from derailing your outdoor ceremony, you can be reimbursed for the costs associated with it. Purchasing wedding insurance protects you financially from scenarios just like this and it well worth the cost.

What Does Wedding Insurance Cover?


wedding-cake-insuranceWedding insurance policies are highly customizable, but essentially reimburse the couple for financial losses. These losses may be due to the cancellation of the wedding, or other factors such as having to hire a last-minute limo replacement at double the original cost. These polices replace clothing, venues, photos, videos and vendors who don’t show up. They can even help replace lost or damage wedding rings or stolen gifts. There are some things that these polices don’t cover, such as replacing diamond engagement rings or wedding cancellations due to cold feet.

Couples planning to invite a large number of guests may want to consider adding liability coverage to their wedding insurance. This protects them from being sued if a guest injures themselves while on the dance floor or at any other time during the wedding or reception.

Common Scenarios Where Insurance Can Help

Consider the following scenarios where one of the comprehensive wedding insurance policies that we offer can protect both your money and your wedding.

  • You booked the perfect wedding or reception venue but it burns down two weeks before the wedding. You find a new location but it costs twice as much as the first. A wedding insurance policy pays this additional cost.
  • The bride, groom or an immediate family member becomes injured or critically ill before the ceremony, requiring a postponement. Wedding insurance reimburses the couple for every dollar, allowing them to reschedule the wedding for a later date. This even applies in the case of an unexpected military deployment.

wedding-disaster-insurance

Buying Wedding Insurance

Wedding insurance is very affordable when compared to the overall cost of a wedding. Couples should purchase a policy as soon as they start paying deposits to vendors. We offer a variety of packages and deductibles that cover everything from simple ceremonies to elaborate multi-day nuptials. Before purchasing a policy, talk with each of your vendors to determine if they have insurance coverage. This prevents you from purchasing a policy that contains the same coverage that already exists. For example, your caterer may already have policy that covers the cost of a cake that is accidentally destroyed.



The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

 

Five Things Super Parents Always Carry

August 27th, 2014

super-parents

Are you a super parent who’s prepared for anything? Besides saving money in an emergency fund and owning a life insurance policy, you need a bag that’s ready for whatever life throws at you. Here are five tools that can keep you prepared:
super-parent-flash-light

Flashlight:

When you come home with your kids after a late night soccer game or have to run a sick child to the doctor in the middle of the night, you’ll be thankful for your flashlight. It illuminates dark sidewalks, helps you find dropped keys and deters late-night attackers. In a pinch, your flashlight will also comfort your kids if they’re scared in a dark movie theater or during a power outage.

First Aid Kit:

No one can predict when a medical emergency will strike! Carry pain reliever, cough drops, bandages, anti-itch ointment, burn cream and allergy medicine in a small first aid kit and make sure to update the supply medicine as you use items or after they expire. Be sure you always carry your family’s insurance cards in your purse, too, because even though you’re a super mom, you probably can’t remember the insurance details for all your family members.

super-parent-multi-purpose-toolMultipurpose Tool:

Available in pink, stainless steel and a variety of other colors, multipurpose tools contain almost everything you need to fix a wardrobe malfunction, remove painful splinters and change batteries in electronic gaming devices. Choose a large or small multipurpose tool, depending on the size of your purse, and make sure your model of choice includes all the tools you think you need. They could include pliers, a knife, Phillips and straight head screwdrivers, a bottle or can opener, tweezers and a toothpick.

Spare Car and House Keys:

Lock yourself out of your car or house once, and you vow never to do it again! Especially if one of your children happens to be on the other side of the locked door. You can successfully avoid this problem – and the expense of a locksmith – in the future when you carry spare keys in your purse.
super-parent-emergency-snacks

Emergency Snacks:

You might wonder why we put snacks on a list of essential supplies to carry in your purse. Rather than run through an unhealthy drive-thru, keep some healthy and filling snacks likes nuts or fruit bars in your purse with you.

Turn your bag of any size into an emergency kit when you stock it with these five items. You’ll be known as the super parent who’s always prepared, and your family will thank you.

 

 

The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Back to School Safety Tips

August 22nd, 2014

back-to-school-safety-tips

The start of the new school year is almost here, which means it’s time for students to start gathering up their pencils, books and laptops. It’s also time for everyone to review basic safety tips, as back-to-school time also creates a number of safety challenges, from traveling on the roads to taking care on the playground. Protect your child’s health and wellbeing, as well as the health and wellbeing of others by following these tips.

Keep Kids Safe on Buses

back-to-school-stop-bus-sign
Every state has a number of rules designed to keep students safe when they are getting on and off school buses. It’s important that all drivers know and follow these rules. For example, it is against the law to pass a bus that is stopped to let students on or off.
Today’s school buses feature an extending stop sign and red flashing lights that are lit when it stops to let children on or off. If you see red lights on a bus, stop, and don’t start driving again until the lights turn off and the bus starts moving again. When you do stop, make sure you give the students plenty of room to cross the street safely. The National Safety Council recommends leaving at least 10 feet of space between your car and the bus.

Go Over the Rules of the Road With Your Child

back-to-school-look-both-waysWhether your child walks part of the way to school or waits for the bus at the end of your driveway, back-to-school is the ideal time to go over road safety with him or her. In the days leading up to the first day of school, teach your child how to cross the street or remind him or her of the best way to do it, by looking left, right and then left again, to make sure no cars are coming. Remind your child to look before crossing even if a bus is stopped for them.
Remember that sidewalks are the safest place for your child to walk on the way to the bus stop or school. If there are no sidewalks, teach your child to walk on the side of the road facing traffic, so that he or she can see oncoming cars and the drivers of them can see your child.
back-to-school-safetybackpack

Lighten Your Child’s Load

Your child’s backpack could cause severe injury. Doctors treat more than 7,000 backpack injuries a year, according to the US Consumer Product Safety Commission. If your child looks slouched while wearing a bag or has trouble taking it off or putting it on, it’s too heavy. Try to keep the weight of the bag to no more than 20 percent of your child’s total weight. That can mean leaving some school supplies or books at home. If your child’s backpack is consistently heavy, you might want to have a word with the teacher about the number of things he or she needs to carry each day.

As school gets off to a start, remember to think safety first. You not only want to keep an eye out for your own child, but for other kids who are traveling to and from school.



The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

How to Protect Your Home From Intruders

August 13th, 2014

protect-your-home

Across the country, there were more than 2 million estimated burglaries in 2010, according to the FBI’s Uniform Crime Reports (UCR) Program Crime in the United States report. Overall, the average cost of a home invasion was just over $2,000 per home in 2010, according to the FBI. There are steps you can take to protect your home from a break-in or burglary. Learning the common methods burglars will allow you to protect your home.
home-protection-door

How They Get In

While the majority of home invasions do involve breaking down a door or window, nearly a third of break-ins in 2010 were non-forcible, meaning a burglar simply walked into the home or was invited in. An alarming amount of thieves simply walk through unlocked doors. Some also get in by walking into an open garage or by climbing through an open or unlocked window. In some cases, a burglar might pose as a utility company employee, which is why you should always ask of identification when a stranger comes to your door.
home-protection-motion

Safeguard Your Home

Make your home less of a temptation for potential burglars by placing anything valuable out of view of the windows. A thief might target your home if he or she can see jewelry, expensive electronic equipment and other valuable objects from the window. The same is true of any items you keep in the garage. Keep golf clubs, sporting equipment and ATV vehicles out of sight.

Lighting can also protect your home. Install motion activated lights by the doors and windows of your home, so that they will switch on anytime someone passes by the entryway. While it seems like this goes without saying always be sure to lock ALL your doors and windows.
alarm-system-home-protection

Tricking the Burglars

One way to reduce the risk of home invasion when you’re away is to make it look as though someone is home at all times. Use a programmable timer to turn the lights inside the home on and off at certain times. Have a friend collect your newspapers and mail or call the post office and paper and ask them to pause or hold your papers and mail while you’re away.

An alarm system can provide an extra layer of security, both while you’re away and when you’re home. Choose a system that contacts the police if it is not disarmed within a set amount of time. For extra security, you may want an alarm that makes plenty of noise when it’s triggered, so that it gets the attention of your neighbors.



The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

How to Prepare for an Earthquake

August 11th, 2014

earthquake-insurance

Everyone who lives in an area that is prone to earthquakes needs a good earthquake disaster plan. You also want to minimize the damage done to your house and your belongings, and be sure you’re able to replace anything that gets broken.

Here are the best things you can do now to prepare for an earthquake.

generator-earthquake

1. Get a Generator

If the power goes out due to the earthquake, you don’t know how long it may take to get the power back on. If you have a generator, you can keep your house running as normally as possible. This includes keeping your refrigerator running so your food doesn’t spoil, and your oven or microwave on so you can cook your meals.






Earthquake-Mount

2. Secure Anything That Might Get Broken or Cause an Injury

Non-slip mats can help heavy furniture to stay in place in the event of an earthquake. Heavy picture frames and mirrors should be hung away from beds so they don’t fall on anyone. Large, heavy things should always be put on lower shelves, and shelves themselves, as well as tall furniture should be affixed to the wall with brackets. Home improvement stores often sell TV straps to keep your larger TVs from toppling off of mantles or TV stands at a decent price. Finally, install shatterproof glass on your exterior windows.

3. Have a Disaster Plan

Make sure your family knows what to do if there is an emergency. Children and adults should have the cell phone numbers of all friends and relatives who can help during an earthquake on speed dial, as well as the number for emergency services. If people are away from home when the earthquake hits, there should be an agreed upon place for the household to meet (which is especially helpful if the phone service goes down).
earthquake-kit

4. Have a Disaster Supply Kit

Keep a supply kit filled with necessary tools, a first aid kit, non-perishable food that can be eaten with little to no preparation, bottled water, extra pet food, spare clothes and sleeping bags, extra doses for anyone who takes a daily medication, plastic spoons and forks, flashlight, extra batteries, matches, and a can opener should all be kept in a safe place in the house, ideally all in one large box or over-sized plastic container. All of these items can help you and your family in the aftermath of a disaster.



Conclusion

It’s important to be prepared for an earthquake. While most are minor and will not cause much damage, you never know exactly what could happen so it is best to be prepared. Part of being prepared also includes having a comprehensive earthquake insurance policy for your home, so once things in the area are back to normal, you won’t have to be concerned with how you will pay for repairs to your house or to replace things that were broken. Give AIS a call today about earthquake insurance with one of our specialists.

earthquake-insurance-policy

 

The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Summer Time Activities

August 10th, 2014

Summertime-Activities

Summer is here, which means plenty of free weekends to get out and enjoy life. Make this summer one full of memories by trying a new activity or putting a new spin on an activity you love. While you’re out having a great time, remember to think safety first.

1. Car Camping

AIS-Camping
Car camping doesn’t involve sleeping in your car. It means bringing your car and gear to the campsite and setting up there, instead carrying it in on foot. One of the joys of camping is going for a hike in nature. Just be sure to wear sturdy shoes and to bring and wear insect repellant and sunscreen. Learn to recognize and avoid dangerous plants on your hikes, such as poison ivy, to avoid getting a rash.

2. Camping in an RV

If the idea of sleeping in a tent or cabin doesn’t appeal to you, RV camping might be just the thing. Your RV can feel like a palace compared to a small tent. Plus, plenty of RVs let you enjoy the comforts of home, such as satellite TV and a shower. Before you set out on your camping trip, be sure to secure everything in the RV, including kitchen cabinets and drawers. You don’t want to hit a bump in the road on your trip and have items go flying.

3. Jet Ski

AIS-Jet-Ski
A jet ski offers the excitement of water skiing or boating in a compact form. On a jet ski, you get to glide across the water, feeling it spray in your face. If you’re just learning how to use a jet ski, take things slowly. You can still enjoy the ride, even if you’re only going 5 miles per hour. Steer clear of swimmers and other boats in the water and remember to wear your life jacket.

4. Water Skiing or Wakeboarding

Water skiing, and its newer, slightly trendier cousin, wakeboarding, are fun ways to enjoy a day out on the water and to make good use of a motorboat. Both are slightly thrilling yet generally safe experiences that are easy enough for beginners to try. Remember to wear a life jacket when skiing or wakeboarding, or any time you climb on a boat. Have someone act as spotter, too. A spotter will tell the driver when you’ve fallen or if you’re ready to stop.

5. Going Off-Road

An ATV, also known as a four-wheeler, lets you travel places you can’t get to in a car or on a bike. Since you’re traveling over dirt and rocky terrain, it’s a different way of exploring the great outdoors. Always wear a helmet when riding and follow the directions in the owner’s manual, to prevent the ATV from tipping.

Off-Roading

No matter where your summer takes you, remember to wear sunscreen and follow any safety advice given to you by lifeguards or park rangers.

 

The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Boating Insurance Tips

August 8th, 2014

Boat Insurance Coverage

When warm weather arrives, boat owners are itching to get out on the water. However, in the rush to hit the open waves, many neglect to perform some routine preparation tasks that can lead to mechanical failures or legal issues. Take a few moments to review our list of boating tips before taking your watercraft out for the first time.

clean-boat-insurance

Boat Upkeep

Cleaning the exterior of the boat is critical to remove any mold or mildew that may have developed during winter storage. Simply fill a bucket with warm water and add 1 to 2 tablespoons of mild liquid detergent. Scrub the deck and hull using a soft, long-handled scrub brush, then rinse it thoroughly with a hose. After all of the water evaporates, apply a thin coat of wax to all painted surfaces to protect them from water and sun damage.

Check for Damage

Inspect the entire boat closely for damage that may have occurred in storage or last season. Repair any chips or cracks with sealant to prevent them from getting worse. In addition, refill the motor with gasoline and oil, as it is empty from draining it before storage. If the motor wasn’t drained before storage, do it now and refill the motor with fresh fluids.

boat-insurance

Insurance

While not all states require boat owners to purchase insurance, there are many reasons why we advise clients to never get on the water without it. Additionally, those who are still making payments on a boat are required by their bank to purchase insurance. Liability insurance protects the owner if one of the passengers is injured while on the boat. Property damage insurance pays for damage that the owner causes to other boats, docks, or water craft such as jet skis. This insurance also pays to repair the boat if the driver hits something or runs aground. Comprehensive coverage insures the boat against other occurrences such as theft, fire and vandalism, which may occur on land as well as in the water.

Safety Tips

Boat-Safety-KitVerify that all required safety equipment is still in good working order. These items include life jackets, fire extinguishers, whistles, flares and any other equipment that the state may require. Locate the updated boating registration papers and place it in the boat too. Some may prefer to place the registration with the boat key instead.

It’s also a good idea to review local boating laws to ensure there haven’t been any changes over the winter. Verify that you have taken all required boating classes and have registered it properly. In addition, verify the state’s age requirements for children to drive boats by themselves.

If you have more questions or are interested in boat insurance contact one of our AIS agents to get started today!

 

The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Child Car Seat Guidelines

August 6th, 2014

Car Seat Tips

One of the most confusing aspects of parenthood can be choosing and installing the right car seat. These important safety devices come in a myriad of styles, shapes and sizes, making it difficult for parents to determine which one is right for their child. Other questions arise as well, such as how to install them and if they are suitable for all ages. To clarify the confusing world of car seats, we have compiled a few basic tips that parents can follow.

Choose the Right Car Seat

child-seat-tips

Car seats are available in different sizes that suitable for different ages. Each of the following sizes is installed differently and will accommodate different weights:

  • Rear-Facing Seats- All infants up to 1 year of age should be in a rear-facing car seat.

  • Forward-Facing Seats- Once a child reaches 1 year of age, they can transition to a forward-facing car seat.

  • Booster Seat- Between the ages of 4 and 7 children can safely sit in a booster seat rather than a car seat.

These age ranges are good basic guidelines, but parents should refer to the height and weight requirements for each seat before transitioning to the next size up.

Proper Installation

car-seat-installation-tipsRead the installation instructions carefully when installing the seat, as they vary among manufacturers. Proper installation can be tested by rocking the car seat from side-to-side and from front-to-back. If the seat moves more than 1 inch in either direction, it is not installed correctly. Tighten all of the seat belts and straps and retest the seat.

Rear-facing seats have an additional installation step, as they must be installed at an angle. Examine the seat carefully and look for an angle indicator or adjuster, which helps parents install the seat properly.

Inserting Children Into Car Seats

Having a properly installed seat isn’t enough if the infant or child isn’t positioned properly in it. Once the child is seated, ensure that the chest strap and other belts lie flat and are not twisted. The chest strap, for both forward and rear-facing seats, should cross the center of the shoulder and attach securely to the buckle at the child’s opposite side near the waist. If the seat has a chest clip, such as for infants, it should be centered on the chest at armpit level.

Registration

car-seat-registration-tipsCar seat manufacturers are constantly verifying safety features on their products and sometimes recall them if they are found to be unsafe. One of the first things that parents should so after purchasing a car seat is to register it because this is the best way they receive notification of any recalls and are informed on how to return or adapt the seat for safe usage.

The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

15 Penny Saving Tips for Vacations

August 4th, 2014

vacation-budget

Whether you want to enjoy an exotic family vacation or take your kids to a fun theme park, you need money to make your travel plans a reality.

Don’t let your limited budget keep you from making memories with your family; instead try 15 penny saving tips that help you save money on your next vacation.

1. Kayakvacation-budget-kayak

Be flexible with travel days: You might have a departure date in mind, but leaving a day earlier or a day later could save you cash- check discount websites such as Kayak (www.kayak.com) to find the best rates.

2. Compare Flights

Although they’re not as convenient as flying straight through to your destination, they are often cheaper, plus you get a chance to stretch your legs during your layover.

vacation-budget-packages3. Package Deals

A flight and hotel combo might be cheaper than booking both separately- many hotels and airlines have deals with vacation planning sites like Travelocity that can save you money for booking packages.



4. Travel Light

Some airlines charge for extra or oversized bags, so only pack essentials and choose clothes that mix and match.

5. Check Drop Off Prices

Pick up and drop off your car rental at the same spot: Check with your car rental company to see if the price changes based on the drop off location, often times there is an extra cost to return at a different location.

vacation-budget-public-transportation6. Public Transportation

Taxi’s are generally not cheap! Take the bus, subway, or walk to get around town.

7. Stay in a Hotel Next to Town

You’ll still be close to all the hot tourist destinations, but everything from hotels to food will cost less if your right outside of the popular area.

8. Book a Two-Room Suite

Got kids? Traveling as a group? It is usually cheaper to book a suite rather than booking two separate rooms.

9. Rental Houses

They’re more spacious and cheaper than a hotel, plus they offer you an option to cook at home rather than eat out every night. AirBnB is a great way to find a rental house at a great deal.

vacation-budget-group10. Go in a group

Not only will you have plenty of help with your kids, but most attractions offer discounted group rates!

11. Take Advantage Pricing

Most places offer discounted rates for kids, and you may even get in for free on certain days- always check the website or give the customer service line a call to find out!

12. Talk to Locals

They can direct you to affordable restaurants, cheap entertainment and free events, plus offer you a “real” experience in the location, not just the tourist hot spots.

13. Shop at Grocery Stores

You can save some cash on family-friendly snacks and beverages.

vacation-budget-groupons14. Search for Coupon

A quick Google search can find coupon codes for everything from flights to restaurants.

15. Sign up for Groupon and Living Social Alerts

These sites offer discounts on entertainment, activities and restaurants.

Don’t let a tight budget restrict your travel plans! These tips can save you money without limiting the experiences and fun with your family.



The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.