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I wouldn't let you sleep in my room How can you give Kris Kringle a parking ticket on Christmas Eve?

What's next, rabies shots for the Easter Bunny? Are your parents home? Do they live here? Probably a fancy orphanage.

No offense, aren't you too old to be afraid? You can be too old for a lot of things, but you're never too old to be afraid.

Heather, did you count heads? Five boys, six girls, four parents, two drivers, and a partridge in a pear tree.

Kevin, get upstairs right now. Kevin, you're such a disease. Say good night, Kevin. What did you do to my room? There's no way on earth we can make this plane.

It leaves in 45 minutes. Hey, I'm not afraid any more! I said I'm not afraid any more! Do you hear me? I'm not afraid any more!

This house is so full of people it makes me sick. When I grow up and get married, I'm living alone.

Did you hear me? You better come out and stop me! So give it a shot, for your granddaughter anyway.

I'm sure she misses you and the presents. I send her a check. I wish my grandparents did that. They always send me clothes.

Last year I got a sweater with a big bird knitted on it. Not for a guy in the second grade. You can get beat up for wearing something like that.

Yeah, I had a friend who got nailed because there was a rumor he wore dinosaur pajamas. We'll go thru the back. Maybe the kid will let us in, you never know.

I'm not going out the window! What're you scared, Marv? C'mon, get out here. Let's go back, Harry! Huh, oh, go back! This is my house, I have to defend it.

What is the matter with you? He ate my pizza on purpose! He knows I hate sausage and olives and onions and Buzz, I'm going through all your private stuff!

You'd better come out and pound me! Will you please tell Santa that instead of presents this year, I just want my family back.

And my aunt and my cousins. And if he has time, my Uncle Frank. You gotta watch out for traffic, son. What are you laughing at?

You did it again didn't you? You left the water running. What's wrong with you? Why do you do that? I told you not to do it. Harry, it's our calling card!

All the great ones leave their mark. We're the wet bandits! What are we gonna do to him, Harry? We'll do exactly what he did to us: And smash his face with an iron!

How about we slap him in the face with a paint can! Or shove a nail through his foot! First thing I'm gonna do is to bite off every one of these little fingers, one at a time Marley lifts Kevin off the door ].

Come on, let's get you home. Did I get him? Get that kid, Marv, get that kid! I went shopping yesterday. I got you milk, eggs, and fabric softener.

What a funny guy. What else did you do while we were away? He doesn't know how to tie his shoe and he's going shopping! I know I was.

You still are, Marv. Put it in your purse. We know that you're in there, and that you're all alone. Yeah, come on, kid, open up.

Oh no, no, we got some nice presents for you. Be a good little fella now, and open the door. Marv smiles lamely ]. The little jerk is armed! That's it, that's it!

I'm going round the front, you go down to the basement! McCallister who lives here? Then maybe you should ask Santa for a new family.

I don't want another family. I don't want any family. Just stay up there. I don't want to see you again for the rest of the night. And I don't want to see anybody else either.

You'd feel pretty sad if you woke up tomorrow morning and you didn't have a family. Then say it again. Maybe it will happen.

I hope that I never see any of you jerks again! Listen, Kevin, what are you so worried about? You know Mom's gonna pack your stuff anyway.

You're what the French call "les incompetents". How could we do this? We didn't forget him, we just miscounted.

What kind of a mother am I? If it makes you feel any better, I forgot my reading glasses. It's Little Nero's, sir. I have your pizza.

But what about the money? Keep the change, ya filthy animal. Hey, I'm gonna give you to the count of ten, to get your ugly, yella, no-good keister off my property, before I pump your guts full of lead!

Is this toothbrush approved by the American Dental Association? Well, I don't know. It doesn't say, hon. Well, could you please find out? I took a shower washing every body part with actual soap; including all my major crevices; including inbetween my toes and in my belly button, which I never did before but sort of enjoyed.

I washed my hair with adult formula shampoo and used cream rinse for that just-washed shine. I can't seem to find my toothbrush, so I'll pick one up when I go out today.

Other than that, I'm in good shape. Did anyone order me a plain cheese? But if you want any, somebody's gonna have to barf it all up, 'cause it's gone.

Where are the passports and tickets? I put them in the microwave to dry em' off. Didn't we talk about that? Did I burn down the joint? I was making ornaments out of fish hooks.

My NEW fish hooks? I can't make ornaments out of the old ones, with dry worm guts stuck on them. I mean right now it looks like there's nobody home.

Last night the place was jumping. Go check it out. There are 15 people in this house, you're the only one who has to make trouble.

I'm the only one getting dumped on. You're the only one acting up. He's gonna call the cops! He's not callin' the - from a tree house?

Come on, Irene, they're boarding. This girl is offering us our first class ticket The earrings, you love the earrings?

She's got her own earrings, a whole show box full of them dangly ones. You guys give up? Or are you thirsty for more?

It's scary up there. Don't be silly; Fuller will be up in a little while. I don't wanna sleep with Fuller. You know about him, he wets the bed.

He'll pee all over me, I know it. I have been awake for almost 60 hours. I'm tired and I'm dirty. I have been from Chicago to Paris to Dallas to And now that I'm this close, you're telling me it's hopeless?

Bless this highly nutritious microwavable macaroni and cheese dinner and the people who sold it on sale. The season of perpetual hope! And I don't care if I have to get out on your runway and hitchhike!

If it costs me everything I own, if I have to sell my soul to the devil himself, I am going to get home to my son. Mom, Uncle Frank won't let me watch the movie, but the big kids can.

Kevin, I'm on the phone. It's not even rated R. He's just being a jerk. Kevin, if Uncle Frank says no, then it must be really bad.

We took him to the kennel Kevin, out of the room! Hang up the phone and make me, why don't you? Can I talk to you for a second?

Yes, but make it quick. The safer the home's construction is, the less the insurance will cost. Age and Condition — Older homes typically come with more risks including older wiring, furnaces and lack of security features.

Location — Is the home in a hurricane zone? How close is the nearest fire station? Is it in an area where vandalism or burglaries are frequent?

The insurance company takes all of these factors into consideration. Credit Score — Credit scores count as a factor on home insurance.

A good credit score shows responsibility and makes the insurance company more likely to consider the candidate to be a low risk homeowner.

Low risk means lower rates. With all of the home insurance options available, it can be difficult to know just how much insurance is enough without paying for more than you really need.

If a fire or natural disaster were to demolish the home, it's important to have enough coverage to rebuild without having to downsize.

Consider what risks are inherent with the location of the home and add on extra insurance like flood or hurricane if needed.

The safety of visitors to a home lies with the homeowner. Should someone fall on an ice patch or trip on a loose board, the homeowner can be held accountable for any medical bills and damages that come about as a result.

Having adequate liability coverage is essential. Of course it's impossible to put a price on sentimental items, but speaking in terms of dollar value, it is important to have enough insurance to be able to replace at least the majority of your possessions if disaster were to strike.

If a home is damaged or destroyed, the homeowner will need to find somewhere to live while repairs are made.

Not everyone has relatives close by to help out in these situations. Costs for a hotel or apartment can add up in a hurry.

Legally, yes, it is possible to own a home without home insurance coverage. That is, only if the homeowner owns the home in full.

If there is a bank mortgage on the home, the bank will require a certain level of coverage to protect its investment. How much coverage could vary according to the bank and the specifics of the home itself.

Home insurance as its own product did not exist in the United States until September Homeowners were able to protect their homes before that date by buying separate policies for each possible peril such as fire or wind.

Changes in insurance laws allowed for the packaged home insurance concept to become legal and The Insurance Company of North America was the first to advertise a homeowners policy that would protect against fire, theft, lightning, wind, explosion, hail, riot, vehicle, damage, vandalism and smoke.

The single policy was less expensive than carrying multiple policies to cover each possible peril. The United States does not have a federal agency to regulate Home Insurance.

Each state monitors and regulates the insurance companies doing business within its borders. States ensure that the company is financially viable, can pay claims as necessary, handles business in a legal manner, and charges reasonable premiums.

When an insured home is damaged, call for police, fire department or ambulance assistance if needed first. It is best to minimize the damage if it is possible.

Keeping receipts for any money spent during this time is advisable, as they can be submitted as a part of the claim.

From the police to the insurance company or contractor, keeping track of the names, numbers, and conversations can keep the process moving smoothly.

Taking pictures of the damage is also a good way to keep records. Once the call is made to the insurance company, they will send an insurance adjuster who will assess the amount of the damage.

It is best for the homeowner to be present when the adjuster is there so they can make sure everything of significance is duly noted. The homeowner is entitled to copies of every document along the way and shouldn't sign any waivers until completely satisfied with the payout from the insurance company.

If the insurance company and the homeowner are not in agreement as to the amount of the damage, a public adjuster can be used as a third-party assessor of the damage.

The homeowner is responsible for the cost of the public adjuster, but may recoup far more in insurance benefits as a result. You've completed this section.

Now that you're good and informed, let's see how much you can save. Home insurance is an insurance policy that protects a home from damage, destruction and other liabilities.

If something were to happen to the home or its contents, the insurance helps pay for the cost of repair or replacement after a deductible is met.

A neighbor slipped on my sidewalk and is threatening to sue me. Does my home insurance protect me? The liability coverage in your insurance can help cover medical costs of anyone hurt on your property due to negligence on your part.

It can also help cover the costs of a lawsuit if necessary. Do I need to keep an inventory of my belongings for insurance purposes?

If you want to be sure that you get fair value for what's in your home, it's a good idea to keep a list of important items and how much they cost.

Photos of each item are encouraged as well. Most homeowners policies do not include flood or earthquake or hurricane insurance.

If you live in a flood zone, or have concerns about flooding, you should talk to your insurance company about a separate flood insurance policy.

Home insurance is not mandated by state laws but it may be required if you have a mortgage on your home. Most lenders require it to help cover their investment, so unless you own your home outright, you probably are required to carry home insurance.

My neighbor's tree fell on my house. Whose policy covers the damage? Your policy should cover the damages in this situation. However, if the damage is a result of negligence on your neighbor's part, the insurance company can look to recoup those costs from his insurance company.

In many states, yes. Some insurance companies see dogs as a liability issue and will increase premiums or refuse coverage altogether. The breed of dog is usually factored in as well.

What is Home Insurance?

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