Frequently Asked Questions about Homeowner Insurance

Frequently Asked Questions about Homeowner Insurance

Owning a home is part of an American dream. Protecting it from unexpected accidents or natural disasters is one of the reality of home ownership. Before purchasing homeowner insurance in Santa Maria, CA, or where you come from, it’s important to learn the facts about homeowners insurance in order to choose the right type of coverage for your home. Read on to get answers to some of the most frequently asked questions about homeowners insurance.

Frequently Asked Questions about Homeowner Insurance

 

What is Homeowners Insurance?

 

Homeowner’s insurance, also called hazard insurance, is a type of insurance policy that protects the home and its contents against potential hazards, damage, or emergencies. This type of insurance usually covers the cost of restoring damage caused by natural disasters, water, or fire and loss of personal property due to theft or destruction.

 

Do I need to buy a homeowner’s insurance policy?

 

Unlike car insurance, homeowners are not legally required to purchase a homeowner’s insurance policy. However, most mortgage lenders require homeowners to purchase the minimum amount of insurance coverage before issuing a loan. If you have your home free and clear, you are not required to bring homeowners insurance.

Frequently Asked Questions about Homeowner Insurance

What are the Different Types of Homeowner Insurance?

 

Since each house is unique, there are several types of homeowner insurance policies designed to meet your home specific needs. Here are some of the most common types of homeowners insurance policies:

Straight replacement coverage: This policy gives you a set amount of money to repair or rebuild your home.
Coverage of guaranteed reimbursable cost: This policy provides the funds needed to completely replace your home regardless of the rise in building costs, inflation, or policy limits.
Flood insurance: This policy provides the funds needed to repair or replace your home if it is damaged by flooding. Standard homeowners insurance policies do not cover water damage caused by waterways or dams.
Earthquake Insurance: This policy provides the funds needed to repair or replace your home if it is damaged or destroyed by the earthquake. Standard homeowners insurance policies do not cover earthquake damage.
Life insurance mortgage: This policy provides the necessary funds to pay off mortgage loans at home in case of death of the home owner.

Frequently Asked Questions about Homeowner Insurance

What Coverage Do I Need?

 

Since your home is the biggest and most important asset, it is important to purchase adequate insurance coverage to protect it completely against any kind of loss. Most insurance providers recommend buying a policy at least 80% of your home and personal property replacement value indoors. Purchasing additional coverage is highly recommended to ensure your home is properly protected.

 

What factors affect the homeowners insurance premiums?

 

Premiums are the annual cost of your insurance policy. The following factors may affect the cost of your homeowner’s insurance premiums:

Features: The age and characteristics of your home including the type of structure, roof, and cable, can all affect the cost of premiums.
Location: Insurance rates may be affected by a particular environment or location that is likely to be exposed to extreme weather.
Protective devices: Smoke detectors, alarm systems, fire extinguishers, sprinkler systems, and deadbolts can lower insurance premiums.
Personal factors: Smokers and individuals with a good credit history may be eligible for a lower insurance premium.
Claim history: Individuals with a history of homeowners’ insurance policy claim may pay a higher premium.

 

Frequently Asked Questions about Homeowner Insurance

What items are excluded from the homeowners insurance policy?

 

When shopping for homeowner insurance in Santa Maria, CA, it’s important to understand that the most comprehensive policies have certain restrictions and exceptions. Some of the most common items excluded in homeowner insurance policies include cars, motorhomes, ships, business properties, and pets. Some policies may also provide limited coverage on weapons, jewelry, and silver. Consult an experienced insurance agent can help ensure that you find the right policy for your coverage needs.

Venture Off the Piste at La Plagne & Les Arcs

Venture Off the Piste at La Plagne & Les Arcs

There is no better way to relax and really recharge than by heading to the beauty of the mountains. When you are trying to take advantage of your winter holidays, enjoy the luxury of luxury lodges are the way to go. Since you do not have to worry about cooking and cleaning, you’ll be free to enjoy the magic of slopes and off-piste terrain that is not sculpted that awaits your trail.
One of the most enjoyable experiences of a skiing holiday is roaming off-piste, which should only be done by the most advanced skiers. It is also important to plan the route and to make sure that you are prepared properly. Venture Off the Piste at La Plagne & Les Arcs

How to Prepare Off-Piste Adventures

What’s the best advice to go off-piste? Hire a guide. A certified local guide has an excellent knowledge of the mountains and will take you to the best path. You will not only avoid risk zones, but you can also access the best snow! The guides will be able to give you specialist avalanche equipment, such as transceivers and shovels: picking up the right kit with you is very important. It may sound obvious, but checking snow conditions and avalanche before you leave is a must. Like listening intently to official advice! Venture Off the Piste at La Plagne & Les Arcs

Les Arcs and La Plagne

Together forming the Paradiski area, the neighboring Les Arcs and La Plagne resort offers a vast expanse of off-piste terrain.

Couloir de Pramain

This beautiful off-piste route is easily accessible from La Plagne. Cut off the Bellecôte run and cross the col, where you will descend into the narrow gap. Follow the couloir down the mountain to finish among the trees, before rejoining Le Dérochoir piste.

Cairn Couloir

The famous route in the North of the top of Bellecôte is not for the weak. The narrow section at the top leads to a small cliff, which you must navigate all the way down. With a 40-45 ° slope for the first 300m, this can be tricky! As soon as the first part gets out of the way, you’ll descend from the other couloir and then ski down the street below.

Grand Col

The impressive Grand Col summit at Les Arcs is accessed through a 30-minute hike from Grand Col’s chairlift. Once you are at the top, you will clearly see his descendants, who follow the valley line. While you are skiing, you should take the path that leads to Planay before entering the resort with a blue runway. Venture Off the Piste at La Plagne & Les Arcs

Kick Back to Catered Chalets

After hours of adrenaline adventures either on or off the piste, kicking back to one of the villas with your resort will ensure that you are rejuvenated and you are ready to take action the next day. With a full service Ski Amis, you will enjoy a full English breakfast, homemade afternoon tea and dinner three or four nights with wine. So relax, regain your strength and do not miss a moment in the mountains.

Belinda Smythson works for Ski Amis, a specialist ski travel agency and booking service that has helped avid skiers and hikers make their perfect winter breaks for more than a quarter of a century. If you are looking for catered chalets, La Plagne is an ideal choice. For accommodation anywhere in Three Valleys, Paradiski, Espace Killy or Chamonix Valley, Ski Amis is a go-to company for winter sports enthusiasts looking for a lifelong holiday. Venture Off the Piste at La Plagne & Les Arcs

What Your Fire Insurance Is Not Closed

What Your Fire Insurance Is Not Closed

By 2014, more than 360,000 home fires are reported; It is a fire every 86 seconds. Fires contribute $ 11.6 billion to property damage and thousands of unintentional deaths and injuries. In the home restoration business, fires are the most devastating for several reasons. Not only can destroying your house and destroying your belongings, but the water used to fight home fire can do a lot of damage. Here’s a fact you need to know about the restoration of fire and water damage in Atlanta.

Loopholes Insurance What Your Fire Insurance Is Not Closed

As with any insurance policy, you need to read the fine print before you sign in. Some homeowners do not realize that certain fire protection policies do not cover the water damage caused by firefighters who are trying to stop the fire. Damage to fires in your home may be isolated into the kitchen for example, but the water used to stop flames potentially flooding your entire home. Water damage can manifest itself on broken floors, wet dry walls, and even mold, none of which are covered by your fire insurance. If you have a historic house with antique crown molds and unique structures, the insurance company will soon replace these damaged items with cheaper and more modern equipment that will remove the value and charm of your home. Make sure your home is protected in case of fire with a comprehensive policy.

Protecting Your Values What Your Fire Insurance Is Not Closed

Most likely your valuables in your home are vulnerable to fire damage. Even jewelry, precious metals, and firearms can be damaged by fire. Fire proof is a great investment to protect your smaller valuables. They come in different sizes. Some people can fit right under your bed or in the dresser drawer while other safes with larger capacity will fit nicely in the closet. The flame retardant bag currently on the market can protect important files and documents from fire damage effectively. In today’s digital age, many people back up their important documents, such as mortgage and insurance information, to an online storage server.

Best Montego Bay Airport Transfer Service

Best Montego Bay Airport Transfer Service

The gateway to a fantastic vacation experience is the Sangster International Airport in Montego Bay, Jamaica. To get from the airport to your resort you have two options. On one hand, there is a shared option; a vehicle is shared with other vacationers who are going in the same direction. Depending on the size group, shared transfers could be the cheaper option of the two. On the other hand, there a private transfer option; a service which offers convenience, flexibility and privacy during your travels to your resort. The rates are affordable; sometimes the same as shared shuttles.
The airport in Montego Bay, Jamaica is very important to the island’s tourism industry. It welcomes about forty large commercial jets daily carrying thousands of vacationers to its shores. Resort towns such as Negril, Ocho Rios and Montego Bay itself depend almost entirely on this airport for arrival and departure for their guests.

 

The resort districts in Montego Bay accommodate travel times between 5 and 25 minutes from the airport. Staying in Montego Bay gives the treat of a great beach experience, snorkeling, oceanic adventures, partying, dining and shopping.

Journeying west of the entry port is Negril, located about 90 minutes west of the airport. Negril is known for smaller beach front properties. It is home its famous beach, which is a 7-mile white sandy beach. Incidentally many of the hotels are located just on that beach.

Traveling from the Montego Bay Airport to Negril is convenient and eventful when you use Private Taxi Montego Bay Airport ; this is by far the better option for several reasons. After a long and exhausting travel day getting on the island, the last thing anyone wants is more delays. Having pre-booked your Private Montego Bay Airport Transfer Service you are guaranteed to get going immediately after customs. The drive to Negril is beautiful; with breathtaking sceneries of the roadway hugs the shoreline.

Going east of the Montego Bay Airport is the resort town of Ocho Rios; The journey is equally beautiful as Negril’s. Having the service of an amiable driver your private ride will become more like a tour. With private Montego Bay Airport Transfers you are figuratively in the driver’s seat, totally in control of a stop of two along the way. There is absolutely no need to wait on a big bus to be filled; the cost may even be the same.

Meet Weedtubers Who Paid to Toke Up

Meet Weedtubers Who Paid to Toke Up

This attracts a lot of people making money by posting videos on YouTube.

Tutorials, family vacations, product reviews and other silly antics make the rich overnight.

But have you ever heard of weedtubers?

These are the people who get paid to smoke marijuana and put it up on the internet.

That’s right – get paid for baking.

Read on to find out some of the most famous weedtubers around.

Joel Hradecky: King Weedtubers
Considered the king of the weedtubers, Joel Hradecky has over 1.2 million followers, whom he found only in a short time.

His CustomGrow420 YouTube channel featured videos including him who tried to suck THC oil grams. This video garnered over 1.3 million views.

That number is almost the same as 1.5 million who saw Hradecky cough for seven minutes after his effort. It seems that Hradecky’s success thrives, in part, on the psychological notion that humans enjoy watching other humans suffer. Meet Weedtubers Who Paid to Toke Up

But this marijuana king not only toke up and make the audience laugh (or mock) over the love of entertainment. Thousands of fans actually turned to Hradecky for recommendations about bongs, strands of marijuana and other accessories.

Josh Young
If you are primarily looking for advice and information about smoking weeds, different ways can be smoked, or weed prices, Young is your man.

On her YouTube channel StrainCentral, smoking young marijuana from 3-10 times a day, right next to the viewers.

Young thinks that sometimes his fans are just, “looking for friends smoking.”

In the same way as other weedtubers like Hradecky, Young also posted a video showing the effort to smoke a large quantity of THC in a short time and its horrible effects.

With over 373,000 subscribers, Young obviously makes a really good smoking buddy!

Reef Reef Meet Weedtubers Who Paid to Toke Up
Being a harvester is not just for boys. Do not worry women, you can also be famous for smoking on YouTube too!

Just look at Coral Reefer. If you are looking for an interactive weedtube experience, Coral Reefer is your girl.

Coral Reefer hosts a live show every Sunday called “Stoney Sunday Live” where she answers pitch-related questions from viewers and fans. Coral is very passionate about marijuana and its many benefits.

Visit her channel and you’ll see her attend the cannabis show and share info about what’s going on in marijuana news.

Jane Dro
Another grass enthusiast who represents female cannabis lovers out there is Jane Dro. Meet Weedtubers Who Paid to Toke Up

If you want a more educational experience when it comes to marijuana, Dro is a great information center. Dro tells viewers about the growing ins and outs of marijuana and offers tips, as well as the look inside his own farming chamber.

Check out Dro channels for video and in-depth product reviews for serious and serious cannabis users. You might even see the following marijuana smoking star on our list while watching the Dro channel – both of which often appear in their respective videos.

Soundrone
You can not have a good smoking session without some nice snacks. Soundrone is about unboxing and reviewing products – and not just marijuana related items.

Visiting this unique channel channel will allow you to see candy, drink and snack reviews. A perfect compliment to your height.

His studies are often distracted by him who gets beaten from a bong or dull. Soundrone must have done something right because not only was he a successful successor, he was also a businessman.

Soundrone has its own hex axis line known as Bee Lasso.

Are you Next Next Big YouTube?
It’s hard not to be motivated by these itedtuber stars. They get paid to do what they love – that’s a great American dream, is not it?

What is Entrepreneurship like in 2016

What is Entrepreneurship like in 2016

In discussing entrepreneurship and writing articles on this issue, I have found that this helps understanding as we begin by agreeing on what that word means to us.
Here is a collection of “POWER TOOLS FOR ENTREPRENEURS” – Click Here!

Entrepreneurship is the process of creating or exploiting opportunities, and pursuing them regardless of the resources currently controlled. The American Heritage Dictionary defines an entrepreneur to be the person who organizes, operates, and assumes business risks. ” What is Entrepreneurship like in 2016

These concepts are somewhat abstract for someone who is just beginning to consider whether they should start a business rather than take a job, or leave a safe job to get a chance to meet greater fulfillment. Let’s try to improve our understanding of entrepreneurship by asking more specific questions.

Is it anyone who runs an entrepreneur business? Many do not consider newspaper carriers, cobblers, and lawn mowers, although this is often a young undertaking for those with a propensity for entrepreneurship.

Does it matter whether the business is only part-time? While some part-time activities are basically hobbies, or are done to supplement income, some entrepreneurial ventures can be tested on the market on a part-time basis.

The road to entrepreneurial endeavor may begin by earning a salary in a business that is expected to enter, while learning more about it, and waiting for the right moment to go alone. This time can be used to develop support, professional and personal networks, and generate ideas to solidify people whose opinions are respected.

In what scope is entrepreneurial effort? The main purpose of many entrepreneurs is to hire themselves (and others if necessary) on a low to good salary; Some even willingly make a living to do what they enjoy. This approach is often referred to as a lifestyle business, and is generally accompanied by few, if any, growth plans.

These questions are intended, not to develop the proper definition of entrepreneurship, but to help us understand our attitudes toward various forms of expression. Each of us can answer this question differently, but it all fits into our own frame of reference.

Entrepreneurship is more an attitude than a skill or a profession. Some of us may prefer a company career path or public service, but many choose entrepreneurial opportunities that feel right.

Would you consider someone who inherited an entrepreneur’s business? In terms of inheritance, it is their own money and financial security at risk. They may be able to sell their business, invest their money in blue-chip stocks, and lower dividends. Some may consider managing a private stock portfolio to earn a living as an entrepreneurial venture.

Will someone who inherits a small or marginal business, then take it to a new dimension is considered an entrepreneur? Its influence may be trying to defend it, or even accelerate business decline so that it only takes them into retirement. In a family-run business, long-term success is often a major goal.

What is an entrepreneur franchise owner? Many feel that, for those who have access to large up-front investments, franchising is a sure thing. For many people, operating a franchise is similar to blue chips investment, a relatively certain thing with unusual yields. What is Entrepreneurship like in 2016

Ice Climbing in Chamonix: What to Expect

 

Ice Climbing in Chamonix: What to Expect

For an athletic adventure that will really get your adrenaline pumping, look no further than ice climbing.
Ice Ice, Not For Babies…

 

Ice is unlike any other climbing surface. During the day its consistency changes massively, from hard and flaky in the morning to the soft in the afternoon, so the sport gets easier as the sun warms the ice later in the day. Every time you climb, the route will be slightly different and your guide will need to alter the route and the position of the rope anchor.

It’s unpredictable and has an element of danger, but that’s part of the reason why the sport is so exhilarating!

Physical Fitness: Are You Up to the Challenge?

To properly enjoy this sport, you need to be fit and prepared for the challenges of ice climbing. You should be fit overall, so start adding some more cardio to your workout routine a few months before your climbing trip to improve your endurance.

On top of this, you should incorporate some moves such as dead hangs, weight sit-ups, pull ups and overhead weighted lunges into your fitness routine to start working on the muscles you´ll be using when climbing.

Ensure You’re Equipped

This is an equipment-intensive sport – you’re going to need a climbing harness and helmet, two ice axes, boot crampons and special winter boots. Most lesson providers will be able to rent you these essential items at a fair price for very good quality gear; it may be a good idea to make sure you like the sport before investing a lot of money in specialist equipment.

On top of the equipment, you’re going to need top-of-the-range winter clothing and water-resistant trousers, coat and gloves – and don´t forget good sunglasses and factor 50 sun cream and lip balm.

Climbing in Chamonix

Chamonix is famed for its ice falls, and in the resort and surrounding area you can find over 200 routes for all skill levels. The icefalls at altitude tend to begin forming in December, with the best time to climb being January and February.

Equipment can be bought or rented in all sports shops in Chamonix, and there is a wide variety of different professional guiding organisations who offer ice climbing courses for beginners and intermediates to the sport.

There are great routes for all skill levels in and around the resort, making it a brilliant place to start out and progress during your trip.

How to Get There

Hop on one of the many frequent flights offered by budget airlines offering the UK to Geneva route. You can be in Geneva in under 2 hours from several UK locations, and in just 90 minutes if you´re travelling from London. Getting to Chamonix from Geneva will be the least demanding part of your trip, as Shuttle Direct has years of experience in providing comfortable and convenient transfers to Chamonix. From Geneva, you can even bring you equipment for free as long as you choose that option at the time of booking.

6 Benefits of Air Guns vs Traditional Firearms

6 Benefits of Air Guns vs Traditional Firearms

Six benefits of air rifles versus traditional firearms.
Is there really a place for a rifle compared to a powerful firearm?

 

Is a wind rifle suitable only for firing tin cans or hitting a paper target? More Reviews Rifle Air.

We believe that there is a place for modern air rifles.

Many air guns are perfect for hunting small games like rabbit squirrels and birds. 6 Benefits of Air Guns vs. Traditional Firearms.

Here are 6 benefits of air guns over traditional firearms.

1 Ammunition will not deteriorate over time because airgun ammunition is just a pellet no powder or a primary case to worry about.

It is easier to have air rifles using pressurized air to oppose pallets and not primers and powders such as firearms that most states in the United States do not classify air rifles as firearms.

Good quality air guns that you will find are actually more accurate than firearms up to a distance of about 50 yards.

4 / Can be purchased with a very affordable price and more importantly pellets are very cheap price. The more you practice your better goals you will be with air rifles You do not have to keep yourself practicing.

5 / Some pellets drop speed after about 50 yards that makes it safe to shoot.

6 air rifles are relatively quiet. Which means gun shooting will not disturb the neighbors and when you hunt, chances are it will not scare other games.

Air rifle design and system 6 Benefits of Air Guns vs Traditional Firearms

1 / Air pump system: air pump: multiple rifles require more than five pumps to achieve sufficient pressure in the reservoir. While other rifles require only one pump to achieve the desired air pressure.

2 / Air tank system: High pressure air cartridge presses the pallet from the barrel. The benefit of this system is to allow automatic seminam shots.

3 / Spring & piston: barrel broken or cock compress spring when trigger triggered release spring force piston to compress air which force palette out of barrel. Different caliber

.177 caliber very fast with a maximum speed of over 1250 FPS this caliber will easily become the most popular and suitable for hunting small game competitions with target shots and plinking for fun.

This low-caliber middle-rate caliber with low speed in the United States will stop getting additional photo shoots and pellets can be more difficult.

22 caliber is the largest caliber commonly used and fired pellets the weight of this rifle speed is lower than the smaller caliber.1177 which is usually in the range of 650 FPS to 1250 FPS but has a more difficult impact due to the mass of the pallet.

What is the right air gun to hunt? 6 Benefits of Air Guns vs Traditional Firearms

The answer of course depends on the game you will defend.

Master the art of travel photography

Master the art of travel photography

Taking photos while on vacation is not an unusual activity. Tourists do it all the time to remind themselves of the wonderful moments spent there, but if you want to do more, you should try travel photography. This will require some exercise to master and you may have to go to a photography class to be really great at it, but the results are not in vain. Not only will you capture the beauty of the places you see in more detail, but also develop new fun hobbies. Here are some tips that can help you along the way.
First of all, there are equipment problems. Of course, most people believe that the higher end of your camera, the better the photo will change, but it is only valid to some extent. DSLRL camera quality is superior to pocket camera and smartphone, but only if you know how to adjust the settings. To learn this, you can go to NYC photography class and you can find out all about aperture, exposure, lighting and framing. However, if you do not have a budget, iPhone camera can also be very useful. Their quality has improved greatly and you can capture stunning frames without having to travel with a large camera.

Master the art of travel photography

Secondly, you need to do some previous research and find the best photo spots. Be open to suggestions and think outside the box. Take the “traditional” shorts, but go off the beaten path as well. Try to understand what makes each location unique to you and experiment with your location, angle, and subject. Your photos do not have to look like travel cards. Instead, you can capture the beauty of a place by capturing unusual angles and subjects. For example, if you go to a crowded city, do not just take pictures of skyscrapers; try street photography or take pictures at night, when the city reveals a new face. To get used to all the travel photography techniques, you should go to a photography course. Most major cities offer it, so you can find photography courses of Montreal, New York, Paris and many others. Master the art of travel photography

Third, you must be patient and persistent. Do not just photograph the building on leave. Immediate shots are great if you plan on photographing human subjects, but when working with landscapes you have to take some pictures until you find the right frames and lighting. For best results, return to the same place several times a day for several days in a row. In addition to finding locations from multiple perspectives, you may find something unique when you wait: a bird flies across an old temple, a mother and baby passing by, or just the sun that reveals the beautiful colors on the roof. Last but not least, do not forget that exercise makes perfect. Take as many photos as possible and do not be disappointed if your first trip photos are not National Geographic material, as they will get better over time.

Accessing Medical Care in Cyprus: What Covers EHIC

Accessing Medical Care in Cyprus: What Covers EHIC

Cyprus is a beautiful holiday destination, famous for its stunning beaches and full of interesting antiques. A short flight to Cyprus takes you to a beautiful island that makes you feel a million miles from home – but Cyprus is closer than you think.
As a member country AU Cyprus offers reciprocal healthcare, and indeed this is part of its appeal as a holiday destination among Europeans. However, while the European Health Insurance Card (EHIC) offers health benefits in EU countries for UK citizens, it should be remembered that each country has a different health care system. You will not always get the same care as you do with the NHS in the UK. A single trip or annual travel insurance policy is always recommended. Accessing Medical Care in Cyprus: What Covers EHIC

 

What is the EHIC Rule in Cyprus?

If you need medical treatment in Cyprus and you have a valid EHIC, you are entitled to a low cost or sometimes free treatment. It should be noted, however, that your EHIC does not apply in the Republic of Cyprus, which is the northern part of the island where the government has little control over what is happening. If you visit this area, adequate annual travel insurance or even a single travel policy is a must.

As in most EU countries, EHIC does not cover personal care. If you only have your EHIC with you in Cyprus, you need to find a state-funded doctor or hospital. Regular travelers, however, with annual travel insurance may be able to access private health services and reclaim all costs.

Changes in Rules Accessing Medical Care in Cyprus: What Covers EHIC

In 2013, the nominal fee goes into effect for medical treatment in Cyprus. All citizens of Cyprus and EU citizens now have to pay 3 euros for GP visit, 6 euro for specialist visit and 0.50 euros for each treatment received. If Cypriots do not have a medical card, or visitors do not have an EHIC, this fee is higher. Emergency treatment for Cypriot medical cards or EHIC holders costs 10 euros, although pensioners (including pensioners from EU countries) are exempt from paying this.

Hospital visit Accessing Medical Care in Cyprus: What Covers EHIC

Non-urgent hospital visits in Cyprus, such as in the UK, require a referral, and your login will be asked for your EHIC. This entitles you to treat with the same rate of decline as the Cypriot population.

While EHIC is a valuable tool for identifying who you are and where you are from – and thus what kind of medical treatment you want – peace of mind actually comes from having adequate insurance. Single travel policy will be enough if you only take one trip abroad a year. If you are planning on doing some trips to the EU, the comprehensive annual travel insurance policy is the way to go.

Patrick Chong is the Managing Director of InsureMore, an award-winning specialist team in a single global travel and annual travel insurance policy. In addition to offering attractive offers for travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holiday.