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Property and casualty insurance can be purchased by an individual to protect personal assets from damage or depletion as a result of a third party liability claim. Businesses can also purchase property and casualty insurance for the same reasons. By definition, certain types of policies, such as life or health insurance, are not considered property and casualty insurance.

Property and casualty (P&C) insurance isn’t a single type of insurance. It’s an umbrella term that describes many types of insurance policies, including auto, homeowners, renters and condo insurance. As the name suggests, P&C insurance contains two parts — property coverage and casualty coverage:

Although property coverage and casualty coverage are technically different types of insurance, they aren’t sold separately because most common insurance policies bundle them together. Even the most basic homeowners, auto and renters insurance policies include both property and casualty coverage.

There are many types of insurance that fall under the P&C insurance umbrella. All of these policies include personal property and liability coverage.

Car insurance covers the damages to your vehicle after an accident. If your car is stolen, your insurance will help you pay for a replacement. It also covers your liabilities as a driver. If you hit another car, your liability insurance will help pay for the other driver’s damages, including vehicle repairs and medical expenses.

Home insurance financially protects the personal items inside your home, like clothing and furniture — as well as the home’s structure itself, from common perils. For example, if your entire wardrobe was destroyed in a fire, your personal property coverage would help cover the cost for new clothes. Home insurance also covers liabilities. If a guest was injured on your property and you were found responsible, your legal fees would be covered up to the policy limits.

Condo insurance is similar to home insurance in that it covers your personal items as well as liability to others. Condo insurance also covers damage to your condo unit. However, because of the unique ownership arrangement, a master policy purchased by the condo association covers damage to the building itself while condo insurance has limited coverage for the interior walls and improvements to the condo, not covered by the master policy.

Like home insurance, renters insurance also covers your personal property and liabilities. If an electrical fire burns some of your furniture, your insurance policy will help you replace the damaged items with new ones. The same goes for liability. If you accidentally damage someone’s property and they decide to sue you, the casualty portion of your renters insurance will pay for the cost. Unlike condo or home insurance, renters insurance policies do not cover damage to the exterior or interior of the dwelling.

Landlord insurance is another common type of P&C insurance. The property portion of landlord insurance covers the building itself. If a windstorm damages the roof of an apartment building you own, you could file an insurance claim to finance the repairs. It also covers your liabilities if a tenant gets injured on the property and it’s your fault.

Businesses purchase property and casualty insurance for the same reason as individuals. The business insurance policy provides financial protection for damage and losses to the business property and assets. Casualty coverage is typically broader and protects against claims from third parties injured on the premises but also for damages caused away from the business facilities by company products or services performed. Additionally, such policies may also include unique protections for a business such as business interruption coverage.

If you have a boat, ATV, golf cart or snowmobile, this type of policy can be beneficial. Power sports insurance policies cover the cost of repairs to your vehicle from damages, and provide financial liability coverage for the operator. For instance, if you accidentally rode your snowmobile through someone’s backyard fence, the casualty portion of your power sports insurance would pay for the repairs.

Umbrella insurance is a broad form of liability coverage that extends your limits of casualty coverage and is applicable to both personal and business coverage. Umbrella coverage can be an important part of any insurance plan particularly in modern society with increasingly unpredictable lawsuits with large damage claims. Normal limits don’t always come close to addressing this risk, but for an additional cost, you can raise limits on all phases of your liability coverage with an umbrella policy.

P&C insurance works like any other type of insurance. If your personal property is damaged or destroyed by a covered peril, you can file a claim with your insurance company to get reimbursed for the losses. The same goes for liability claims, where someone is suing you for damages, and is seeking compensation for their losses.

In either scenario, you are only covered up to your policy’s property limit and casualty limit. For example, if your house burns down and you lose everything you own, you will only be compensated for the losses up to your policy’s personal property coverage limit. Valuables and electronics are usually subject to specific coverage limits, which tend to be low.

When you purchase any type of P&C insurance, make sure your coverage limits are appropriate for your situation. For instance, if you have $200,000 worth of belongings in your home, your coverage limit should match that. If your coverage limit is too low, you risk paying money out-of-pocket towards a loss.

Property insurance covers your assets and belongings. Casualty insurance covers your liabilities as a homeowner, renter or driver.

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You will need a server or computer that acts as a server with the native application in order to setup Plex. It is where the folders with the content will be, and it will have to be always on. All you have to do is install the client application on the devices you want to use it on.

Any series or movies that you add to the source folder will be organized by the program.

That is its strength, that it organizes it so that you can see it with the appropriate labels. It may not understand a file that doesn't have enough data in its name, and therefore not show it in the library. When adding files to the source folder, follow the tips.

If it happens to you, try to name the file that it doesn't recognize in this way, because in general, Plex doesn't usually have problems detecting the files.

You can access different channels of online content with Plex, it doesn't just rely on your local files.

Some like Tidal for music are paid, but there is also a news section with information channels or the so-called Web Shows, which are like YouTube channels and offer you other types of content to enjoy online.

The Online Content section is found in the left column of the web client or in the bottom of the mobile app. I warn you that there are not as many Spanish-language episodes of thePodcast section as on other platforms, but you can still enjoy it.

One of the most important functions of Plex is to be able to play its content on your TV without the need for applications, so this can be a bit strange.

If you want to focus the use of Plex on the official apps, there are some settings you can use to prevent it from being seen on all the TVs in your home.

You can use a third-party Plex compatible client if you don't like the features it offers or want something more powerful, even if it's an official client. You can log in with the platform to have a fusion of the functions of both.

It is possible to see and play our library of content, as well as that of our friends. To do this, you need to add another Plex user as a friend and ask them to share their libraries with you.

You have to edit your libraries to decide which ones you have access to.

TVDB is a source that adds information to your movies and series. TVDB is a public database. Anyone can change its content.

You can modify information in your movies and series if you see that it isn't correct. You must register at TVDB.com before you can modify the information.

Since we simply have to supply content to the source folder, we can automate a large part of our entertainment with Plex. We can further automate the process by making it easier to find content.

If you want to download the content directly from the app, you should choose the Plex content folder.

You can change the name of the files when you add them to a smart folder on Mac. You can use third-party applications to automate processes such as Hazel for macOS.

Detailed logging gives information about any issues you may be having with your setup. It's not recommended to have it activated.

If you can't fix a problem in Plex by any means, you should turn on detailed logs.

The agents are in charge of making sure your movies and series have the correct information. You can make decisions such as, for example, using OpenSubtitles.org to get subtitles, if you choose to, because Plex has some of them enabled and others disabled.

Click on the agents in the left column to do this in the client.

You can find all of the available things there. Local Media Assets are used to implement your own agents.

There is a section dedicated to how you want the subtitles to look in the client settings.

You can change things. The server will suffer when processing the video if you disabling the embeds.

You may want to monitor which devices your account is being accessed from so you know if there are any intruders. If you remove a computer that acts as a server from the list, you will lose access to shared resources and you will have to log in again.

Is it a resolution or a fluent one? If you are going to watch multimedia content on your home network, surely this is a question that you will have to ask yourself. You can adjust the default streaming quality of the videos if you want to prevent them from being stuttery.

We can enjoy a number of exclusive features with the premium option of Plex Pass. If you hire it for a month, it will cost you 4.99 euros, 39.99 euros if you choose to have it for a year, and 149.99 euros if you choose the lifetime plan.

Among other things, it offers:

If you end up buying the premium or mobile app, you will get features like downloads for offline viewing, which is a good thing. If you have too much online content and want to focus on what you've downloaded, the mobile app allows you to hide that.

You can open the left side menu by clicking on your profile image or sliding your finger, and then use the Only downloaded content button. All the noise from online channels and other content will stop in the index if you focus on what you have downloaded.

One of the unexpected features of Plex is that it can replace services like Google Photos by becoming a cloud to upload the photos and videos you take with your mobile. The good news is that you will need a contract to use this function.

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