Redacted Insurance Policy: Fill & Download for Free

Given that it is relatively inexpensive, you probably should get renters insurance. Below is an excerpt of what I have in my notes on renters insurance that I intend to distribute to all tenants.Renters insurance:Typical renters insurance policies cover named insureds, or those individuals listed on the insurance policy when it is purchased. Rule of thumb: a renters insurance policy automatically covers losses suffered by everyone living in your home AND related to you by marriage, blood, or adoption. If you’re not officially married, or in a legally-recognized civil union, your policy will not cover your significant other by default. But no worries – you can add them as an “additional insured” for an extra cost. If you go down this route, just keep in mind that it may be cheaper (and easier) for each of you to get your own insurance policy. And if added as additional insured, you share coverage limits, and you share claims histories if a claim is ever made.Most renters policies use a standard Insurance Services Office (ISO) HO-4 policy form. You can see a sample of that form in the link below.https://www.uuinsurance.com/z_Agent_PDF_Forms/Policy%20Jackets/HO4%20Renters.pdfAn explanation of the contents of the HO-4 is in the link below.HO4 Renter Insurance PolicySome additional coverages for the tenant to consider are:Additional Living Expense - this endorsement reimburses the tenant for out-of-pocket expenses over and above their normal expenses due to the property being uninhabitable from an insured loss.Damage to Property of Others caused by an insuredMedical Payments in the event a third party is injured on the premisesFlood Coverage for Tenant's personal contents (not offered to renters except as a separate endorsement)Burglary Property Damage coverage (not offered to renters except as a separate endorsement)All Physical Risk rental policy has coverage for just about anything (most tenant policies are Named Peril, not APR)List of some renters insurance providers, AKA personal property insurance providers (list is in no particular order):<list of providers is redacted since including that here would likely get this marked as spam>Article discussing how much coverage is needed:Shai Wininger's answer to How much renters insurance do I need?——- end of what I send to tenantsThanks to Shai Wininger for that last link that discusses how much coverage to get; I send the tenants that link too.And I think that I might include the information from this next link too:Steve Babiak's answer to If you have renters insurance and your stuff gets stolen, how can you prove what you had?

Clearly Mueller has been careful to plan for this contingency—but honestly it’s too late to fire him, the vast majority of his evidence is amassed and at this point it wouldn’t simply disappear. Mueller is rumored to have secured sealed indictments against certain principle targets some time ago as an insurance policy while he works to flesh out the cases in detail. While the public can’t know the truth of this for sure right now it’s the kind of shrewd maneuver/basic precaution that would make perfect sense.On the other hand, Mueller is most certainly operating under the assumption that Trump will continue to try to undermine public and political support for the investigation by any means available. Mueller is no doubt running a tight ship in the certain knowledge every crumb of his work will be scrutinized under a microscope when he concludes, especially if his eventual conclusions point to impeachment. Cohen’s plea to false statements attests to Mueller’s discipline—no one in the press or in the White House saw that coming before it dropped. The deal didn’t leak, and that in itself was enough to freak out Trump and his allies.There’s no question additional charges will be forthcoming, the only question is who, when, and for what. Otherwise Mueller’s sentencing memos would not have been so heavily redacted.

I personnally have a hard time dealing with the constant juggling between administrative, pedagogical and caregiving tasks. While I can actually manage the last two hand in hand most of the time (though it is significantly more exhausting in earlier levels with very young students), the first one is eating my brain out and I seem to be forever running behind and overwhelmed with it.See in France, most elementary schools have but one administrative assistant. That’s better than nothing, but given that most head teachers still have to complete from 75% and up to 100% of their teaching service anyway, the admin assistant’s schedule is filled up from the get-go with supporting the head teacher in all tasks that are absolutely necessary to the functionning of the school.At the end of the line, teachers are left with the responsibility of running current administrative tasks for lack of any support position. Some of them seem to more naturally pertain to the teacher’s job, such as filing in grade reports, compiling standardized tests results or tracking student’s files across levels and schools.Others just are a plain pain in the neck, such as updating student’s proof of insurance policy, managing donations and funding, keeping up the attendance registry and calling families to check in with them, dealing with everything logistics regarding any ongoing project or upcoming event, redacting all kind of follow-up forms or documentary evidence to archive in student's file… all tasks as such that aren't overly complex, but of course have to be done out of class time and always in a timely manner.With proper manic organization I would evaluate those tasks to take me 1h a day on average, which doesn't sound crazy but is never the case since I always have a heck of other things to do and steadily let them pile up until I become so late and overwhelmed I could shoot myself.Multitasking is fine with me, I'm a teacher, but for my sake I just wish the bureaucracy would give me a break.