​Homeowners' insurance is property insurance that usually covers damages to a person's residence, furniture, and properties. Accordingly, it covers damaged appliances, like air-conditioning units, but only if a hazard covered by the policy causes it. 

​Although the specific requirements for obtaining a motorcycle license vary by state, all states follow a procedure that includes a written exam, hands-on time on a motorbike, and a final road test.

Everyone who rides a motorbike, regardless of the kind of bike, must have a license. A motorcycle license requires the applicant to demonstrate competency in written test-taking, motorcycle riding, and road skills.

​It is often just as vital to be aware of what you do not own as it is to be aware of what you possess. Several types of property damage are not covered by small-company insurance.

Special Form coverage is available for most commercial enterprise owners and common property policies. Certain insurance policies, known as special form policies, stipulate that the insured property is protected against all possible causes of loss except those expressly excluded by the policy.

​There is always a chance of flooding, even if you live in a relatively dry section of the country. The damage from a basement flood may seem like your homeowner's insurance would cover it, but most policies specifically exclude floods, especially flooding induced by natural disasters.

Treatment depends on the cause of the water damage in your basement; basic homeowners insurance could pay for the repairs. On the other hand, if a flood damages your basement, it's highly unlikely that your insurance will pay for the repairs.