Home insurance, also commonly called hazard insurance or homeowners insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home. It requires that at least one of the named insured occupies the home. The dwelling policy (DP) is similar, but used for residences which don't qualify for various reasons, such as non-occupancy or age. It is a multiple line insurance, meaning that it includes both property and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. Standard forms divide coverage into several categories, and the coverage provided is typically a percentage of Coverage A, which is coverage for the main dwelling. The cost of homeowners insurance often depends on what it would cost to replace the house and which additional riders—additional items to be insured—are attached to the policy. The insurance policy itself is a lengthy contract, and names what will and what will not be paid in the case of various events. Typically, claims due to earthquakes, floods, "Acts of God", or war (whose definition typically includes a nuclear explosion from any source) are excluded. Special insurance can be purchased for these possibilities, including flood insurance and earthquake insurance. Insurance must be updated to the present and existing value at whatever inflation up or down, and an appraisal paid by the insurance company will be added on to the policy premium. Fire insurance will require a special premium charge, plus the addition of smoke detectors and on site fire suppression systems to qualify.

Female Drug Abuse

Drug treatment related to gender should attend not only appeal to biological differences but also to social and environmental factors, all of which can influence the motivations for drug use: the reasons for seeking treatment, the types of environments for treatment, the treatments that are most effective and the consequences of not receiving treatment. Many life circumstances predominate in women as a group, which may require a specialized treatment approach. For example, research shows that physical and sexual trauma followed by post traumatic stress disorder or common in women who use drugs more than in men who seek treatment. Other factors unique to women that can influence the treatment process include issues around pregnancy and child care, financial independence and how women arrive in treatment. Women are more likely to seek the assistance of a general or mental health practitioner.

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Body Mass Index

Body mass index (BMI) is a tool that determines whether the health of a person is at risk due to his or her weight. BMI is a ratio of weight to height. A BMI of 18.5 to 24.9 is healthy; a BMI of 25 to 29.9 is overweight; and a BMI of 30 or more is obese.
To use the BMI table: Find height in the left-hand column and move across to find weight. The number at the top of the column is the BMI for that height and weight. Pounds have been rounded off.
If a person is overweight, he or she is more likely to develop certain health problems. A person may be able to improve his or her health by losing as little as 10 to 20 pounds. To lose weight and keep it off over time, try to make long term changes in eating and physical activity habits. Choose healthy foods, such as vegetables, fruits, whole grains and low fat meat and dairy products more often. Aim for at least 30 minutes of moderate-intensity physical activity, such as walking, on most or all days of the week.