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Insurance policies - Import export

72 Companies

5 Products

TRASPORTI INTERNAZIONALI AGENZIA MARITTIMA SAVINO DEL BENE

Italy

Savino Del Bene specialises in organising air, sea and overland transport and their associated services at very keen prices. The company has over 120 offices around the world to offer increasingly sophisticated services such as customs operations, warehouse management and logistics support products. The company specialises in organising air, sea and overland transport and their associated services at very keen prices.

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ACTIVE TIME SPEED

Romania

Active Time Speed is an international transportation company with clients and contributors all over Europe. The services offered include, but are not limited to: - international freight forwarding - van and truck transportation of goods - direct contact with clients and transporters to ensure a smooth transport brokerage - international relocation connections We offer great prices, ensuring that your goods are delivered safely and on time. Our insurance policies guarantee a long time collaboration and a 100% good feedback from clients and suppliers. We keep direct contact throughout the entire transportation process, to make sure everything is delivered on time, in good condition and to ensure a smooth collaboration for a long time. We value our customers and we always make sure that the services provided by our company are of the highest standard possible in the field. This has brought us customers from all over Europe and they always contact us for special deliveries. We are looking to expand and grow our business even more, to deliver great customer service on the entire continent through our transportation services.

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FLEET COMPARE

United Kingdom

Fleet Compare provide fleet car insurance quotes to clients across the UK. Based out of Staffordshire we make use of our expertise within the industry along with our relationships with our database of trusted brokers to provide you with the best fleet insurance quotes. We offer quotes for a variety of vehicle types including but not limited to taxis, couriers, light goods vehicles and hazardous goods vehicles. One of the most beneficial benefits of fleet insurance is that if gives you the ability to combine a group of insurance policies into one single easy to manage insurance policy. That means less admin hassle to deal with and one combined renewal date means you don't have to worry anymore about remembering and keeping up wit all of your individual renewal dates throughout the course of the year. Our fleet insurance service is available to both companies and families alike. If you are interested in finding out more about us or to receive an online quote then please do not hesitate to get in contact with us via our website.
CLUB INSURE LTD

United Kingdom

CLUB INSURE LTD provides tailored insurance policies to suit the requirements of sports clubs and social clubs in the UK. We take the time to understand the needs of our clients and the risks that they face in their unique niche. This is translated into the quality of the coverage that we provide, which takes the unique circumstances of our clients on an individual level and incorporates these into their insurance scheme. Our award winning in-house claims management team ensure that when and where a claim is made, it is quickly investigated and acted upon with speed and precision, leaving our clients with peace of mind. All our insurance policies are sourced from A rated British insurers with extensive knowledge of the areas in which they operate. This means that we are able to provide comprehensive coverage for a competitive price. All paperwork is handled in house. We also ensure that our clients are kept up to date with the latest industry news and developments, including legal changes that might affect their business or their insurance policy.
BOND LOVIS

United Kingdom

Bond Lovis is an insurance broker based in Essex, in the United Kingdom. We pride ourselves on our commitment to always provide our customers with the highest level of service combined with highly competitive rates. With over 50 years in the insurance industry, and roots tracing back to East London, we have earned our reputation for getting customers the best insurance policy tailored to them - no matter how specialist or niche. Since 2004, we have been part of the Prestige Holdings Group and Abbey Insurance Brokers. This means that although we can provide a personable service as a provincial high street broker, we also have the benefits of a huge national insurance operation. With a brilliantly clear website to boot, we can meet the modern insurance demands of the 21st century.

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PROPERTY INSURANCE CENTRE

United Kingdom

What cover does Commercial Property Insurance provide? Commercial Property Owners Insurance provides cover for the risks associated with owning premises which are used for business purposes. This could be a shop, salon, restaurant, pub, office, warehouse or even a factory. Buildings used for leisure, education or charity events may come under the umbrella of Commercial Property too. Cover comes as standard for Property Owners Liability at £2, 000, 000. If there is a single residential flat or several above the commercial premises this can also be included within the quote. Those who require Commercial Buildings Insurance could be: Property Owners that have bought the property themselves from where they will run their own business If you own the premises from which your business is run then you may wish to take out Commercial Contents Insurance which will protect the contents in your building such as computers, desks, stock or tools as opposed to the physical building itself. You may wish to take out a Commercial Combined Policy which can provide cover for stock, business fixtures and fittings, money kept on site, business interruption, goods in transit, liabilities and the building. This type of cover is often the most cost effective option rather than having a separate Commercial Buildings Insurance, Commercial Contents Insurance and a Liability Policy.
BORTOLOTTO MARA PERITO ARTE ANTIQUARIATO

Italy

Thirty years of experience in the expert sector allows us to carry out expert reports, both civil and criminal, relating to ancient, modern and contemporary art, with the highest professionalism. The appraisal is an official document, with legal value, which describes the work in its fundamental parts, evaluating its originality, integrity, state of conservation and possible peculiarities; defining the value in euros, on the date of the estimate according to the current prices of the national and international market.The appraisal is valid for the purpose of: • INSURANCE POLICIES• BANK CREDITS• HEREDITY• ASSESSMENTS• HEREDITARY DIVISIONS• EVALUATIONS FOR RESTORATION• LEGAL INVENTORIES• FAILURES• CERTIFICATIONS ON OPERATED RESTORATIONS• CERTIFICATIONS OF MATERIALS AND EXECUTION TECHNIQUES• PRECIOUS CERTIFICATIONSThe appraisal verifies the authenticity and defines the characteristics and the commercial value of the work of art in question. Contact us, it will be our duty to advise you on every possible and valid decision: whether or not to proceed with the execution of the appraisal and which channels to follow in the subsequent sale, if any. The cost of the appraisal, for estimates of both individual works and for entire collections, is to be agreed also following an inspection at your location. Estimates are made. We take on both the assign
SURREY TREE SERVICES

United Kingdom

Surrey Tree Services are tree surgery specialists, supplying a broad range of arboricultural services to residential and commercial clients all over Surrey. With over ten years’ experience in arboriculture, you can always expect the highest possible standards and service from our team of professionals. We supply every type of tree services including tree felling, pruning, stump removal, emergency tree services, ivy removal, hedge trimming, tree planting and commercial tree services. You can have full peace of mind when working with us as we hold a £5 million public liability insurance policy. Our teams consist of specialist climbers and trained groundsmen, all with NPTC qualifications and first aid certificates. Surrey Tree Services are proud to be approved contractors for the arboricultural association and have gone through an extensive range of assessments and training to provide you with a professional service and the highest possible standards. Call us today to have one of our tree consultants inspect your trees for free. Our quotes are free include the removal of all waste.
JLLC WESTERN SERVICE

Belarus

Our company operates in the market since 1997. It’s a full member of Belarusian Association of International Road Carriers (IRU). We carry out the transfers of goods with our own 36 vehicles (93–100m3) EURO 3-5 (year 2006-2013), tilts and refrigerated semitrailers. Also we expedite other vehicles. Our company has the status of a customs carrier.Our main routes are the following: Germany, Poland, Netherlands, Belgium, Czech republic, Greece, Belarus, Russia, Ukraine, Moldova. We are ready to discover new routes according to your needs.We cooperate with Insurance companies: CMR insurance policy, “Green card” and special voluntary insurance.All our employees have special education and sufficient experience in the sphere of international haulage of goods. We are always in contact with our drivers by mobile phones and always know their exact location using GPS equipment on all trucks.Looking forward to our future mutually beneficial cooperation. Feel free to contact us at any time.
TAURUS MARINE

Turkey

Taurus Marine is a refit and rebuild shipyard specialising in 15 to 50m yachts. The team has 20 years' hands-on experience in the production and management of boat repair and refit. Whether for minor repairs or major refit work to your superyacht, Taurus Marine’s shipyard in Antalya, Turkey has a range of specialists on hand to manage and deliver your yacht refit, repair or rebuild project. The Taurus Marine shipyard in Turkey provides skilled and efficient project management to deliver a high quality yacht refit and repair service to its superyacht clients and their crew, on time and on budget. The company’s reporting system ensures that the owner, captain or representative is informed in advance about the scope, change-orders, timeline and budget. Working with accredited marine surveyors, condition surveys are conducted to cover all the requirements of insurance policies. Taurus Marine manages the entire project with its own in-house workforce, providing yacht fairing, painting, composite works and carpentry together with a network of local, skilled subcontractors, including marine mechanics, electricians, hull and superstructure builders and pipe fitters. Taurus boasts more than 20 years’ experience in these specialist sectors and provides full crew services. Refit and repair shipyard facilities in Antalya, Turkey Hydraulic slipway to haul out yachts up to 500 tons Travel lifts with 60, 75 and 200 tonne capacities 1000m2 acclimatised paint shed Covered shed

TREE SURGEONS WIMBLEDON

United Kingdom

Tree Surgeons Wimbledon is joint company of GraftinGardeners arboriculture experts specialising in the removal and maintenance of trees in Merton and throughout London. Never before have you encountered a business like ours with the manpower and machinery to carry out all types of tree surgery operations no matter the size of the job. The founders Adam and Peter grew the company from the ground up and have strived to achieved the highest possible standards and are now a well-recognised brand and are without a doubt one the best in the arboricultural industry. No other tree company has achieved the same results recognition and for good reason. We are highly organised and eco-friendly. Nothing goes to waste as wood whip is used for biomass fuel, logs are split, seasoned in our biomass kiln and sold for fuel. Each and every team is fully qualified so you know what you’re paying for is what you get. A team of experts with years of experience in pruning, felling and stump removal. We go to great lengths to insure everything runs smooth as possible and our customers have a pleasant experience when working with us. Nothing goes to chance and is enforced by our £10 million public liability insurance policy. Call us today for all your arboricultural requirements.
OXFORD CONTRACT MANUFACTURING

United Kingdom

Oxford Contract Manufacturing was set up in 2012 and has grown into one of Europe’s leading supplement manufacturers. Based in Oxfordshire, UK in a brand new state of the art facility the company works with over 1, 000 ingredients annually producing hundreds of different formulations for household brands and governments worldwide. We are specialists in helping new brands get to market and launch new innovative products.Conveniently located in Oxfordshire just off of J9 of the M40 (40 minutes from Heathrow). Our efficient facility and capable in-house team can make you feel at ease, knowing that we have your brand as our top priority. We ensure that our dedicated team members are available to contact at any time via phone or email.What ever you are trying to formulate, we have experience working with over 150 products. As well as various brands worldwide, from the UK to Australia. This means that whether you are looking to make a custom formula or start a comprehensive range of generic products we have the knowledge to assist you.The last thing you want to think about is the possibility of legal action from customers or governing bodies. We ensure that this is never a possibility with 3rd party analysis and COA's provided for every product. We re-enforce this with a comprehensive cloud-based traceability system. Finally, we support this with a global Product Liability Insurance Policy* which allows you peace of mind that you are fully protected.

LEA FINANCIAL SERVICES LTD

United Kingdom

LEA FS is an independent firm of Mortgage Brokers, authroised and regulated by the Financial Conduct Authoritry. We can advise on and arrange residential mortgages for First-Time Buyers, Movers, Self-builders, Down-sizers and Up-sizers and those buying second or holiday homes, whether in the UK or overseas. We can also advise on and arrange second charge mortgages, formerly known as secured loans, on residential properties and Buy to Let properties. In addition, we have access to a variety of lenders who can provide finance for the purchase or remortgage of let properties (BTL), commercial properties, mixed use properties, asset and leasing finance. Further, we can assist with arranging development finance for entrepreneurs looking to build homes or commercial properties either for their own use or sale. We also offer advice and arrangement of a range of insurance protection policies from household insurance to income protection and life assurance & business protection.
YORKSHIRE DALES INFLATABLES - BOUNCY CASTLE & SOFT PLAY HIRE

United Kingdom

Yorkshire Dales Inflatables offer over 100 entertainment products available to hire such as Bouncy Castle Hire, Inflatable Slides, & Soft Play for general party hire right through to wedding decor products and entertainments such as Chair and Table covers, Photo Booths & Giant LED Letters. Our customer service is second to none and all of our equipment is cleaned on a regular basis ensuring that you always receive the highest quality service and products. We cater for all types of occasions from birthday party's, christenings & weddings to school fun-days, festivals & corporate events. Being a family run business we understand the concern for children's safety at all times as we have children ourselves, due to this we ensure that all of our staff have been CRB/DBS checked. We also ensure our staff follow all hse guidelines including carrying out regular safety checks on all of our equipment. Each of our inflatables go under vigorous safety tests in accordance BSEN14960 and all of our electrical items are PAT tested on a regular basis too. . We hold a whopping £5m Public Liability Insurance Policy which enables us to cater for any event no matter how large or small and we carry out a risk assessment upon every hire for each customer. For Bouncy Castle Hire in Settle, Bentham, Skipton, Silsden, Keighley, Colne, Barnoldswick, Clitheroe, Burnley & Carnforth, You may of seen and had a look at the rest so now it's time to try the best. Contact Us on: 0800 195 98 94
TRUE PROTECT

United Kingdom

Protect what matters most. True Protect provides regulated financial advice and insurance plans for your personal protection insurance and business protection needs. We want you, your business or loved ones to be financially protected and have peace of mind. This is why we offer professional regulated advice & insurance policies that are suitable for your individual needs. Our Personal Protection Specialists can find you the best insurance plan to protect you or your loved ones. We offer Life Insurance Policies, Family Income Benefit, Mortgage Protection Insurance Plans, Critical Illness Insurance and Critical Illness Cover for Children, Income Protection Insurance & Rental Protection. Our Business Protection Specialists offer advice & business insurance plans to protect you & your UK business. We offer Relevant Life Cover, Key Person Insurance Plans, Shareholder Protection Insurance Policies, Executive Income Protection Insurance & Business Loan Protection. We are available from Monday to Friday during normal business hours, but evening appointments are also available by request. Contact one of the team at True Protect today to get your personal or business protection insurance plan sorted easily.
CONNECT INSURANCE BROKERS LTD

United Kingdom

Connect Insurance are a completely independent broker who pride ourselves on customer care and loyalty. Established for over 30 years we have built strong, personal relationships with a vast range of UK based Insurance Underwriters that allow us to offer our clients not only peace of mind, but also cheaper, more competitive premiums. We can provide cover for a large range of insurance products to ensure our clients demands and needs are met, and their expectations exceeded. All of our highly trained sales technicians have many years of experience in the UK insurance industry which ensures that our clients get not only the service they expect, but also the service they deserve. Our primary products are Personal Lines Insurance such as single Car/Bike/Van policies, Tradesman insurance including Couriers and Scrap Merchants, Taxi's including Public/Private Hire, Fleets and Motor Trade. financial services | insurance | business finance | taxi | Car Insurance | chauffeur | home insurance | limousine hire | limousine | limo | minibus | Liability Insurance | limo hire | motor insurance | public liability insurance | vehicle insurance | commercial insurance | insurance quotes | carriage | discount travel | motorcycle insurance | breakdown cover | financial services broker | Taxi Hire | Connect | Taxi Insurance | bike insurance | Motor Trade Insurance | transit insurance | cargo insurance | goods in transit insurance | fleet insurance | trade insurance | Comprehensive Cover | minibus
AON - COMMERCIAL INSURANCE BROKERS

United Kingdom

Whether your business is a firm of solicitors, a care home, an independent school, a architectural consultancy, large or small, we are here to arrange insurance for you. As one of the UK largest insurance brokers, we work with businesses of all sizes, arranging general or specific cover for their needs. Professional indemnity insurance As a business insurance broker, we can arrange professional indemnity insurance for small firms and large firms. Small office insurance The office essentials product is for small professional firms with less than 3 partners or home based professionals and can be purchased online. Large office insurance We can also arrange office insurance for larger professional firms, with more than three working partners or firms with multiple premises. Fleet & motor Insurance For professional firms that require 'fleet' type cover, or business car insurance, under a single policy with one renewal date. Motor insurance designed for business fleets, professionals and their families.
MGM HEALTH LTD

United Kingdom

We can help you find the right Private Medical Insurance policy wherever you are throughout the world. We provide excellent rates and in many instances, can purchase much more competitive rates from the major medical insurance providers than what they would offer should you approach them directly. This applies no matter if you are looking for a policy for the first time, or if you simply wish to review your existing cover. This is available from individual or family policies to SME and larger corporate schemes. Our services are free of charge and with no obligation. Please contact Dr Geetha Muralee for further information : email geetha.muralee@mgmhealth.com Office : +44 1784 463040
OBAZEE RENT A CAR

Philippines

We provide quality car rental service at the cheapest rates on 24/7 basis including holidays in Manila, Philippines. We also offer the cheapest 24/7 airport transfer and hauling services. All of our vehicles are covered by comprehensive insurance policies to ensure worry-free driving experience. Obazee Rent A Car is a time honored reputable company having been in business for more than 2 decades. For all your car rental needs, please visit our website or contact us at 6326565798, 639052539315 or 639174138859. Rent at discounted rates now.
THE INSURANCE CENTRE

Spain

Expat Insurance in Spain - affordable, flexible insurance options with 'The Insurance Centre'The Insurance Centre is a reputable Spanish insurance company on the Costa del Sol, Andalucia who offers affordable and flexible insurance cover for expats living in Spain. Whatever your insurance requirements, The Insurance Centre Spain prides itself on offering the highest levels of customer service with a service promise that ensures we will guide and advise you on the best policies to suit your needs, and at a price you can afford.Whether you are looking for car insurance, pet insurance or insurance for your golf clubs or boat, we have insurance to suit most requests. The insurance policies we offer are designed for Expats living in Spain, so whether you are looking for new insurance or are already insured but are looking for a more competitive price, please give us a call and we will be delighted to quote

HEALTHPLAN

United Kingdom

Healthplan is a leading technology-enabled health insurance broker that focuses on providing individuals and businesses with personalised and comprehensive private medical insurance. We compare all offers from 20+ UK insurance providers to discover competitive rates and best offers so that our clients can make informed decisions. We believe in going above and beyond and are committed to finding the best health insurance for our customers with compassion and kindness. We compare all offers from 20+ UK insurance providers to discover competitive rates and best offers so that our clients can make informed decisions. We believe in going above and beyond and are committed to finding the best health insurance for our customers with compassion and kindness. Our certified agents have many years of industry expertise and are available to provide support and guidance around the clock. Values at the core of our company drive us to success. We are committed to providing excellent customer service. At Healthplan, our objective is to find the finest medical insurance policy at the best price in order to deliver our customers unparalleled comfort.
IULY FULL TRANS

Romania

Iuly Full Trans provide full service transportation and furniture goods nationwide, from any place in any locality . We have transportation teams and vans in all major cities, always ready to provide transport services in an emergency. During transport, your items are insured through an insurance policy. We have a team of professionals specializing in relocation companies , disassembly / assembly and transport furniture transport art objects and fragile items .We have a fleet fully equipped with refrigerated vans that have licensed veterinary thermogram and modern temperature control systems up to minus 20 degrees . These vans can be rented for various events to be held as a refrigerator. Depending on the type of transport you can choose from our fleet: 3.5 ton vans useful volume 11m ³, 12m ³, 15m ³, 19m ³ and 24m ³, which are equipped with lift hidradulic can rise up to 800 kg.
REMOVALS YORK

United Kingdom

Are you moving house? Need some assistance? Then call Removals York today to find out how we can help you. Removals In York are a family run local removals company founded in 2003. We provide affordable house removals, competitive commercial removals, secure self storage as well as international overseas removals. We even move pianos. Removals York offer a stress free professional service no matter what size your removal may be and regardless of budget and distance. We are fully insured for moving furniture and office equipment. We carry all legal insurances such as public liability, employers liability as well as good in transit insurance alongside our hire & reward insurance. Removals In York are also members of Move Assured, "your guarantee of a successful move" Move Assured provide members of the public with information on professional removal companies. They also make checks on our insurance policies to ensure we have the correct cover in place and speak with our clients to ensure we are carrying out our house removals efficiently and to a consistently high standard. Moving your office? No problem let our experts take care of you. All our office removals have a set plan which is prepared by firstly making a visit to your headquarters to assess the scale of your job. Commercial removals are really flexible and we will work with your business and it's employees to ensure your office relocation is carried out with the minimum of disruption to your business.
RELEVANT LIFE POLICY INSURANCE

United Kingdom

We offer advice for business looking take advantages of the tax efficient savings that a Relevant Life Policy can offer. In addition we can help business with shareholder protection insurance, key person policies and other forms of business protection. When take care of the whole process from initial quotes to ensuring the policy goes on risk and sorting out the trust paperwork too. We also work with accountants teaching them how they can help their clients take advantage of what savings a relevant life policy can offer their clients.
LOAD&GO LOGISTIC

Romania

LOAD&GO LOGISTIC Company is a Romanian transport company , established in 2018 by Iulian Zelezneac , who has an 14 years experience in the freight transport domain , our company soon become a reliable partner to companies from all across Europe. With a fleet composed of 7 EURO 6 trucks that we dispatch an a daily basis , all monitored 24/7 by a satellite tracking system , our company guarantees the safety of your cargo and by a simple call to our office you can find the precise location of any our trucks. When it comes to LOAD&GO LOGISTIC Company, safety comes first , so all the freight we transport has a cargo insurance of 500.000 and 1.200.000 EUR in case of physical loss, damage or theft . In addition to this, all our trucks and trailers have a haulage insurance policy in case of any kind of traffic incidents . Furthermore, our employees all professional trucks drivers are well informed about the EU safety policies and they always wear the full PPE . In the last 3 years LOAD&GO LOGISTIC Company made all kinds of transportation ( overseas , with cargo , containers , trailers , refrigeration units ) and as we have business partners in countries like Belgium, Netherlands , Sweden , France , Germany , Austria , Switzerland , Portugal , Spain and also with the legislation of each country .
MARKHAM PRIVATE CLIENTS

United Kingdom

Markham Private Clients have combined with the world's leading insurance provider AIG, to create the most comprehensive high value premium insurance packages available.We specialise in Home and Contents insurance policies for affluent clients worldwide, included in this is prestige Jewellery, Fine Art, Wine and Collections.As well as Home and Contents, we also provide cover for Motors, Yachts and Aircrafts, so you can remain stress free when travelling in style! All our packages are individually tailored to our clients requirements, including worldwide and family cover as standard.
FINANZGEWISSEN.DE

Germany

The check for your professional liability insurance comparison! Protect your company as a founder and self-employed. Professional liability insurance is a very important insurance policy for entrepreneurs and covers damage that has arisen through your fault. Professional liability insurance protects you from personal injury, property damage and purely financial damage. Unfortunately, something can always happen, so you cannot rule out the possibility that damage is caused by your own fault. The professional liability insurance supports you in the event of justified claims for damages by third parties or defends you against unjustified claims. Professional liability insurance is recommended for founders, entrepreneurs and freelancers. In some professions, insurance is even required by law, such as B. Doctors or lawyers.
FLOWER TOUR OPERATION

Ethiopia

We organize Package and individual tour programs to the different tourist attractions of Ethiopia which includes: The Northern Historic route, the great Ethiopian rift valley, Eastern and South-Eastern Circuits, Southern and south-western circuits and Central Circuit (Addis Ababa and its environs)We offer car hire and driver services for group and individual customers. Our company possesses brand-new (2009 model) Toyota 4WD vehicles and brand-new luxury mini buses. All of our vehicles are dependable and are insured with a comprehensive insurance policy.
XARXA ELECTRONICS 2015 S.L.

Spain

After several decades working in logistics and transport and since 2015 specialising in high value-added products, we are proud to say that we are the number 1 logistics company in Spain in terms of Customer Satisfaction in this market segment. Professionalism, quality of service, adaptability, reliability and commitment to our customers are the pillars on which our company is based, with more than 400 traders behind us! We are members of the following platforms IPT, IGT, ICB. We have operations centres in Barcelona and Madrid, the main destinations in Spain for consumer electronics traders. Our warehouses have a picking area, 24-hour filming, alarms connected simultaneously to the surveillance centre and the police, comprehensive insurance policies and specialised personnel to manage your shipments in the most efficient way. Our Transport Department will manage your national and international shipments by the required means: land, air or sea. The Logistics Department will take care of the integral management of your products: receiving, inspecting, reporting anomalies, storing, fractioning, conditioning, packing and shipping. Your company can dedicate itself to generating new business, leaving your stock in the hands of professionals, from collection from the supplier, sorting and picking, to shipment to the end customer. Contact us! A Xarxa Spain consultant will contact you shortly.
THE INSURERS

United Kingdom

The Insurers is a comparison site for affordable motorhome and caravan insurance. The site features a number of different brokers which helps people to find the best possible quotes. Whether it’s motorhome, static or touring caravan insurance, the fastest and easiest way to find a suitable quote is to go through a comparison site that works closely with brokers to offer customers the best deals. The Insurers also offer helpful tips on how to reduce insurance costs and the helpful staff are always ready to answer any questions customers might have. The Insurers also offer a “Cheapest Price Guarantee” for motorhome insurance policies (terms and conditions apply).