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Most likely your home insurance policy covers the basic four areas that all plans will protect you for. In other words, any damage that is caused by weather, for example, to your home or other structure on your property will be covered. Also, should the unfortunate event of someone being injured or even dieing on your property occur, you will be covered against any consequent lawsuits. If any of your home's contents are damaged or stolen in a burglary you will be covered to replace them and finally, should you be put out of your home for a period of time due to a fire, say, you would be covered for the extra expenses involved.

As with most financial matters, home insurance is usually not as simple as this and it pays to read the small print of your policy. You are almost certain to find one or more loopholes that may mean certain events are not covered in the basic outline above. So, what are the common loopholes that you need to look out for?

A very common example of a home insurance loophole concerns the coverage relating to the building structures on your property. Perhaps you discover that termites have destroyed the foundation of your house and it needs repaired. This will not be cheap and so home insurance providers may be reluctant to cover the cost, as they will argue that the termites were probably there prior to the insurance deal being agreed.

If you live in an area that is prone to natural disasters such as hurricanes and floods then th next loophole we discuss will be of interest to you. Especially since the huge disaster of Hurricane Katrina, basic home insurance coverage will not be enough to protect your home and its belongings against the effects of acts of God. You will probably need to pay extra for this, even more so if you do live in a high-risk part of the country. Interestingly, if your home is flooded due to bad weather then you will not be eligible to make a claim but if the flood is caused by burst pipes then you would be.

Many people are caught off-guard when a natural disaster occurs, so it pays to read the small print and, if necessary, take out additional cover to prevent heartache later on.

As far back as the year 1955, the classic convertible has already been around. And some have believed that that the golden age of the American automobile was beginning to come to light. And among the world-renowned convertibles is the Ford Thunderbird. And each year, this Ford vehicle has certainly made its way through the streets of life, along with various innovations and improvements meant to be called its own.

The Ford Thunderbird is offered in new colors, along with a new interior package made available for all its patrons. Round the list of improvements include new wheels, seats and equipment. Also, this vehicle is offered in two models: Deluxe and Premium. It has been designed to fill in two people inside. It has air-conditioning with dual-zone automatic climate controls, a power tilt/telescoping leather-wrapped steering wheel mounted with radio controls, a newly styled leather upholstery, and also an AM/FM radio with in-dash 6-disc CD changer. Heated seats had also been added in. The two-door Ford Thunderbird is made available with a power-folding soft top, along with a heated glass rear window or a removable hardtop with trademark porthole windows.

Its engine is an aluminum 3.9-liter V8, giving the rear-wheel drive convertible 280 horsepower at 6000 rpm and 286 lb-ft of torque at 4000 rpm. Safety and security for its passengers has also been installed with front and side airbags, making the Ford Thunderbird the first Ford convertible to come equipped with combination head-and-chest side airbags. It also includes an anti-theft system, Fords Smart Locks system, the LATCH child seat system, a perimeter alarm with an LED indicator, and a glow-in-the-dark emergency trunk release handle. Its appearance and color come in a selection of shades including merlot, vintage mint green, and platinum silver, and its interior has a light sand appearance.