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Why You Need to Invest in Home Insurance

That’s why you need to invest in a home insurance policy. Here’s all you need to know about homeowners insurance.

The Basics

Basic home insurance policies generally cover your home’s physical structure, as well, as your personal possessions. Plus, they also provide liability coverage to protect you in case you’re sued for property damage and personal injury caused by you or other family members.

Liability coverage typically provides coverage for a small amount of no-fault medical bills. For instance, if your dog bites someone’s child, your home insurance policy will cater for the medical costs to patch him up.

Protects Your Home

Homeowners insurance safeguards you against various risks that come with owning a home. The benefits are uniquely designed to cover the structure of your home, your personal possessions, liability protection, and additional daily living expenses. It doesn’t cover all types of risks, though. For instance, it doesn’t include the risk of title defects, which could subject your home’s ownership to serious legal challenges.

Structural Damage Repair

Home insurance generally covers the risk of destructive events like fires and tornadoes. So, whenever there’s a need, you can always submit a claim to allow you to repair or rebuild your house. Most lending companies require you to purchase enough home insurance to cover the total value of the mortgage.

However, it’s important that certain policies exclude structural damage because of specific catastrophic events like earthquakes and hurricanes. But other policies provide coverage for these risks only at an extra cost.

Personal Property Replacement

Most home insurers provide coverage for personal items, such as jewelry, that people keep at home. Whether you lose those items due to burglary or a natural disaster, you’ll get full compensation. You can either purchase coverage for the original cash value of your possessions, or for the cost of having them replaced.

Replacement value coverage is generally higher and costs a lot more. And this is mainly because the value of your claim is the same as the cost of purchasing a new item. So, if you want these benefits, find a cheaper home insurance policy.

Caters For Additional Living Expenses (ALEs)

If your house gets destroyed or damaged to an extent where you’re forced to move out, homeowners’ insurance could cover all the extra expenses. These might include hotel bills, meals, and even lost rent.

Third-Party Liability Reimbursement

If a guest gets injured at your home and decides to sue you for personal injury, you might be subject to legal liability. Homeowners insurance caters to all your legal expenses including your lawyer’s fees, court costs, as well as the cost of pay any judgment labeled against you.

The Bottom-Line

Don’t just purchase any homeowner’s insurance. Get one that suits your explicit needs. The above article will help you understand more about home insurance, what’s covered, and how to choose the best policy. Good luck!

 

Brutality against Black People Shows Nature of US Gov’t: Iran Leader

Leader Calls US Sanctions ‘Crime against Iranian Nation’

In a Wednesday televised address, the Leader referred to the chaotic situation in America following the murder of George Floyd by the US police, saying, “A police officer putting his knee on a black man’s neck and pushing it to death shows the nature of the American government.”

“What is being witnessed in US cities today is a result of realities that had always been kept concealed. However, today these have been revealed leading to the disgrace of the US government,” he added.

“The crime committed against this black man is the same thing the US government has been doing against all the world. They have done the same in Afghanistan, Iraq, Syria, Vietnam, and many other countries of the world. This is the US government’s nature and character that is being exposed today.”

“The people’s slogan of #ICantBreathe can be heard in the massive protests throughout the US. It also represents the heartfelt words of all nations against which the US has committed many atrocities,” the Leader went on to say.

“The US government has been disgraced due to its behaviour. The corona outbreak started in the US later than in other countries, they benefitted from other nations’ experience, and they could have prepared, but they failed to manage Corona properly due to the corruption of their government,” he added.

Iran Strongly Condemns Kabul Mosque Attack

In a statement on Wednesday, Mousavi offered sympathy to the government of the Islamic Republic of Afghanistan and the pacific people of the country over the deadly attack, which killed the prayer leader of the mosque and injured a number of Afghan people.

Two people were killed and two others injured after a planted bomb exploded inside the popular mosque in Kabul’s fortified Green Zone on Tuesday afternoon.
Tariq Arian, spokesman for Afghanistan’s Interior Ministry, said the bomb targeted the mosque at around 7:25pm local time (1500 GMT) when worshippers had gathered for evening prayers.

The mosque is located in a high-security diplomatic area near the offices of several international organisations and embassies.

Prayer leader of the mosque, Mullah Mohammad Ayaz Niazi, was one of two people killed in the attack, Arian said. He was wounded in the attack and died later at a hospital.

Iran-Serbia Ties Should Remain Unaffected by US Sanctions: President

In a telephone conversation with his Serbian counterpart Aleksandar Vucic on Tuesday, President Rouhani stressed the need for the enhancement of economic, trade, scientific and technological cooperation between the two nations.

“We should not allow the cruel American sanctions to disrupt the promotion of economic relations between the two countries, so that we’d be able to serve the interests of the two nations by employing the capacity for cooperation,” the Iranian president added.

Describing closer economic and trade ties between Tehran and Belgrade as a necessity, President Rouhani said, “The officials of the two countries must use the whole capacities and opportunities available in order to broaden cooperation and joint economic activities.”

He further hailed Iran and Serbia’s common stances against unilateralism, called for closer interaction in the international organizations, and stated, “The two Iranian and Serbian nations have always stood against foreign intervention to protect their independence, and have not allowed the aliens to interfere in their internal affairs.”

President Rouhani finally highlighted Iran’s successful planning in the battle with the novel coronavirus and the production of homegrown diagnostic test kits by the knowledge-based companies, expressing Iran’s readiness to share its experiences in the fight against COVID-19 with Serbia and launch scientific and technological cooperation with the European country.

The Serbian president, for his part, called for concerted action by all governments in the fight against the coronavirus pandemic.

Vucic also emphasized that Serbia has always opposed the imposition of sanctions and pressures on Iran, saying his country stands by the Iranian people.

“We must seize the opportunities and try to promote cooperation between the two countries in various areas, such as the economic, trade, scientific, cultural, technological, tourism and academic fields, to serve the interests of the two nations,” he noted.

The Serbian president finally lauded Iran’s independent stances on various international issues and its respect for the territorial integrity and sovereignty of the other governments and nations.

Last month, Serbia’s Minister of Labor, Employment, Veteran and Social Affairs Zoran Djordjevic voiced the European country’s willingness to enhance relations with Iran.

In a meeting with Iran’s new ambassador to Belgrade, Djordjevic described Serbia and Iran as friendly countries, saying they will support each other in most of the international issues.

A Look at Iranian Newspaper Front Pages on June 2

A Look at Iranian Newspaper Front Pages on November 18

Iranian Newspapers

Abrar Newspaper:

1- Iraq: Iran Border Crossings to Remain Closed until Further Notice

2- Gov’t Spokesman: US Sanctions Won’t Yield Any ResultA Look at Iranian Newspaper Front Pages on June 2


Afkar Newspaper:

1- We Reject Any Interference in US Internal Affairs: Iran

2- Zagros on Fire

A Look at Iranian Newspaper Front Pages on June 2


Aftab-e Yazd Newspaper:

1- Health Minister: We Are Receiving Goal from Corona at 90th Minute

2- 110 Fires in Southern Provinces, Zagros Mountain in Past Week

3- Reformists Must Pick Mostafa Moein or Safaei Farahani for 2021 Elections

A Look at Iranian Newspaper Front Pages on June 2


Arman-e Melli Newspaper:

1- Protests Rage on Many US Cities

2- 3,000 New COVID-19 Infections in One Day

A Look at Iranian Newspaper Front Pages on June 2


Ebtekar Newspaper:

1- Special Troubles Caused by Corona for Children with Special Needs

2- Health Minister Warns Corona Has Become More Challenging

3- Sixth Night of Unrest in 75 US Cities

A Look at Iranian Newspaper Front Pages on June 2


Etemad Newspaper:

1- Health Minister Criticizes Full-Time Reopening of Shrines

* Even If One Pilgrim Dies, We’re All Accomplice

2- We Need to Reconsider Relationship between Religion, Government

3- Protests against Racism in 80 US Cities

A Look at Iranian Newspaper Front Pages on June 2


Iran Newspaper:

1- Iran Leader to Address Nation in Televised Speech on Wednesday

A Look at Iranian Newspaper Front Pages on June 2


Javan Newspaper:

1- Night of Conquering White House

A Look at Iranian Newspaper Front Pages on June 2


Jomhouri Eslami Newspaper:

1- Imam Khomeini to Be Commemorated Inside, Outside Iran

A Look at Iranian Newspaper Front Pages on June 2


Kayhan Newspaper:

1- Imam Khomeini: US Nation Will Awaken Gradually

2- Hot Summer of US: Protests Spread to 140 Cities

A Look at Iranian Newspaper Front Pages on June 2


Mardom Salari Newspaper:

1- Disagreement in White House over Suppression of Protesters

2- Death Toll of Iran’s November Protests Released after 7 Months

A Look at Iranian Newspaper Front Pages on June 2


Shargh Newspaper:

1- Wolves of Wall Street in Iran’s Hafez Street

* Brokers Seeking to Buy People’s Shares with Low Price

2- Ashraf Ghani, Rouhani Hold Talks on Peace Talks

A Look at Iranian Newspaper Front Pages on June 2

Iran Records Highest Number of New COVID-19 Infections

Iran Reports Highest Daily COVID-19 Fatalities in Two Weeks

Kianoush Jahanpour announced on Tuesday the new cases of infection increase the total number of cases to 157,562.

He said 64 people have died of the virus in the past 24 hours, bringing the total number of fatalities to 7,942.

The spokesman said 123,077 patients have so far recovered from the disease, and been discharged from hospital.

2,565 patients are also in severe conditions of the disease, he added.

Jahanpour noted that 975,936 COVID-19 tests have been taken across the country.

He warned that West Azarbaijan, Isfahan, Bushehr, Kurdistan, Kermanshah, and Hormozgan provinces are in alarming conditions.

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Iran to Exclude Oil Revenues from Its Income Basket

Iran to Exclude Oil Revenues from Its Income Basket

Head of Iran’s Plan and Budget Organization said currently just 10% of the budget depends on oil, but it has to become zero in order to counter the plots by the enemies.

Mohammad Baqer Nobakht further added that in a situation where the Islamic Republic is facing sanctions and repercussions of the coronavirus, there is no demand for Iran’s oil in the world.

Speaking at a parliament meeting on Tuesday, he underlined that oil and gas exports and revenues have decreased from $119 billion in 2011 to $8.9 billion.

“If we take oil out of the economy, we will definitely have 0.8 percent economic growth. At the moment, we have a long way to go to achieve such a goal due to sanctions,” highlighted Nobakht.

Iran Urges EU to Condemn US’ Illegal Moves

Iran Urges EU to Condemn US' Illegal Moves

President Hassan Rouhani said Washington’s pullout from the Iran nuclear agreement known as the Joint Comprehensive Plan of Action (JCPOA) ran counter to UN Security Council Resolution 2231, which has endorsed the deal.

“The United States’ exit from the JCPOA was in violation of the UNSC resolution and against international regulations, political norms and all moral commitments,” the president said in a phone conversation with his Finnish counterpart Sauli Niinistö.

Rouhani underlined that Iran is continuing its cooperation with the International Atomic Energy Agency (IAEA) and the country’s nuclear activities remain under the agency’s watch.

“As soon as the European Union makes good on its 11 commitments in the JCPOA, we will comply with our obligations under the JCPOA as well.

Unfortunately, said the president, the Americans did not show any goodwill gesture at any stage, and even maintained their illegal sanctions and ratcheted up their economic pressure on Iran during the coronavirus outbreak, a move which is against human rights and principles.

“The Americans should have come to realize that continuing the path they have chosen will not be in their interest, and that scuttling the JCPOA would harm everyone,” President Rouhani said.

He said the US has taken the health of 83 million Iranians hostage by imposing unfair sanctions and preventing medicines and essential equipment from being sent to Iran at a time when the nation is grappling with the COVID-19 outbreak.

“The EU, especially Finland, should discharge their responsibility by condemning the United States’ illegal moves,” President Rouhani said.

He touched upon the Instrument in Support of Trade Exchanges (INSTEX) established by Europe as well as the Switzerland-Iran financial channel.

“Unfortunately, these financial mechanisms have failed to prove effective so far, and the EU should act to make these mechanisms more active,” he said.
Elsewhere in his remarks, Rouhani described Iran-Finland relations as cordial.

“The two countries enjoy very good potential for the enhancement of ties in the fields of economy and trade, investment in oil and energy, agriculture and technology, and these potentialities should be utilized,” he said.

He also touched upon Iran success in fighting COVID-19, and said Iran and Finland should exchange experience and information in that regard.

“Collective cooperation is needed in order to succeed in fighting this disease, and if countries do not join hands, it will be very difficult to get rid of this dangerous disease.

At a time when the world is gripped by coronavirus, he said, all countries should be treated equally and all of them should be allowed to have free access to medicines and medical equipment.

He said the US has violated international regulations by maintaining its sanctions on Iran, urging the EU to fulfill its duties in the domain of human rights at this sensitive juncture.
The Finish president, in turn, expressed satisfaction over Iran’s success in fighting coronavirus.

Niinistö welcomed the INSTEX mechanism, and said his country is ready to join the financial initiative.

He also expressed full support for the JCPOA as an international agreement, saying Finland will do whatever it can to preserve the JCPOA and believes all signatories to the deal should implement the accord.

Iranian Acid Attack Victims Turn into Fashion Models

Iranian Acid Attack Victims Turn into Fashion Models

The director of the institute says the goal behind the move is to show that women are beautiful even with faces that have lost their previous composition as a result of acid attacks.

Amen Khademi says they strongly believe that human beings are beautiful in nature and the beauty of women could be felt in all their mental and physical components.

“There are people who lose their physical beauty due to various accidents in Iran and all over the world, and the victims of acid attacks are among those who suffer a great deal of psychological and physical grief after enduring severe post-traumatic stress disorder as beauty is an important issue for all human beings,” noted Khademi.

The director of Mahura Cultural Institute went on to say that the female victims of acid attacks care more than men due to their psychological differences.

“Perhaps for this reason, women who are victims of acid attacks are slightly more affected than men. It is not unreasonable to say that the isolation of these are more threatening,” ISNA quoted Khademi as saying.

US Protests to Engulf Entire America: Iran’s Top Judge

US Protests to Engulf Entire America: Iran's Top Judge

Ayatollah Ebrahim Raisi said on Tuesday the demonstrations will bear down on other hegemonic powers as well.

“We are confident that … the spark which has been struck will turn into flames and engulf the United States together with [global] hegemony, and they are doomed to annihilation,” he said.

“Today, hegemonic powers should be accountable to the world public opinion for the crimes they have committed,” he added.

“If there were a just international court in the world, it would put the US on trial for the heinous crimes it has committed with regards to its own people across the world,” the Judiciary chief said.

He then hit out at so-called human rights advocates for remaining tight-lipped in the face of US crimes.

“Where are the world’s jurists? Why don’t so-called supporters of human rights raise their voice around the world against the US hegemonic system,” he asked rhetorically.