Health Insurance Enrollment Process

is 42 with drizzle on the race start line. Watch the Boston Marathon live from 9:30

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Spectator safety guidelines for Boston Marathon
Which roads are closed on Marathon Monday
Boston Marathon interactive map - Find Viewing spots, T Stops and more with this course interactive map

There are more than 30,000 runners this year - here are the hours Start
2015 Boston Marathon Official Start Times

Start / Division / approx number of participants
8:50 - reduced mobility - 50
9: 17 - Push Rim Wheelchair -70 (plus 6 pairs)
9:22 - handbikes - 18
9:32 - Elite female - 40
10:00 - Elite men and Wave One - 7500
10:25 - Second wave - 7500
10.50 - the third wave - 7500
11:15 - wave Four - 7500

Although we always like to talk about insurance, sometimes you need to focus on the real reason for the Internet was invented: the videos of the amazing animals. Normally we are partial to cats and cute dogs, but we want to give the rest of the animal kingdom equal time. Here is a collection of some of our animal clip is the start of your weekend.

Especially when you see the cows, they're just standing around. But not on the first day of spring, when the farmer let out of the barn - they dance and jump after being locked. We know how they feel!

Seals are apparently only the doggies to the ocean!

Many of us are concerned about privacy issues - this chimp takes matters into his own hands. Hopefully the drone was assured.

There's a zoo in Japan that offers a spa day for her capybaras on the coldest day each winter. It looks like fun!

Try to think of a gift for a special college graduate? If you look for convenient gift giving, rental insurance might be just the ticket! OK, it might not have the same allure immediate cash, but it could be much more valuable in the long run. Even if you do not want to give as a gift, you can make the young tenant a great service by helping them understand the importance of this coverage -. And dispelling some myths in the process

owners understand the importance of home insurance. The Insurance Information Institute (III) reports that about 95% of all homeowners insurance. Tenants not so much. In a 2014 survey, only 37% of tenants said they had a rental insurance coverage.

rental insurance myths

There are many misconceptions about what the rental insurance is and why it is important. Here are some myths and objections that we often hear.

My landlord insurance . Many renters are under the false impression that they are covered by the policy owner, but the owner's policy is for the building. If a fire or other disaster occurred, the personal property of a tenant would not be covered. In addition, the owner of a policy would not help with temporary living expenses if the building is destroyed or for any prosecution injury that could occur if someone is injured in your apartment.

I do not have enough to make it worth . This is rarely true. Look around your apartment furniture, electronics, kitchen items, clothes, books ... what it would cost you to replace these things if you had to start from scratch? In addition, renters insurance also provides liability protection against personal injury or property damage lawsuits and coverage for additional living expenses if you are displaced from your home in a disaster.

I can not afford it . rental insurance is surprisingly affordable. III made a national rental assessment and owners of average premiums in 2012 and found that the average rent subsidy was $ 187 per year. It can work for as little as $ 12 to $ 14 per month. The amount you (or premium) varies depending on the condition and what type and how much coverage you need.

I'm not sure what or how much to buy . An independent agent can help you determine what you need and can you say about different options - such as "actual cost" vs. They can advise you on franchises and if "replacement value." add-ons that would benefit your unique circumstances. A good agent will be able to get quotes from several insurance companies and can advise on the discounts available. For example, there are sometimes discounts if you combine a vacation with your car insurance policy.

Learn more about renters insurance

Renters Insurance Checklist
What you need to know about insurance rental

Unfortunately, the bridge collapses have recently new !. It was tragic bridge collapse in California, which resulted in 6 deaths; one in Ohio that injured 8 students in the spring, and a collapse in North Carolina this weekend that injured up to a few dozen family members who were posing for a photo during ' a holiday gathering. A similar family portrait scenario happened to Indiana last Christmas family - see the disturbing images in the video below. - It will give you a break

AP asked deck statistics collapse Consumer Product Safety Commission, which reported that since 03:

• 6,500 people were injured in the conservatory and the bridge failures
• 29 deaths occurred
• 40 in emergency room visits were associated with bridge collapses
• 1,00 visits to emergency rooms were associated with failures porch

bridges are exposed to the elements and as roofs or other parts of your home, may require replacement or repair when they are older. Whether you own a home or business that hosts rallies or meetings on a porch or deck, be sure to:

• Check your deck regularly for wear and tear. Experts advise a professional inspection
• professionals Hire only licensed if you need repairs, and be sure you are in compliance with codes and permits
• Learn load capacity your deck and not to overload
• Make sure your home insurance or corporate insurance coverage is updated!

Here are some resources to help you learn more about Bridge inspection

• PropertyCasualty360.com: Inspect your deck: An infographic on inspection tips and security for owners
• deck & Railing north American Association (NADRA): deck list consumer safety (PDF) and the bridge evaluation Form (PDF)
• American Society of home Inspectors: experts recommend checking the frequently platform of your home
• Fiberon Decking: How safe is your outdoor deck space
• This Old house: deck Checklist

Most parents do anything in the world to protect their young children - nothing is more important or more on the agenda. But there may be a danger less-than-obvious households hides in a seemingly safe room. That is the tragic lesson learned Collas Jackie when she found her beloved son 2 years Curren lifeless body in an end-over office. Last week, the Washington Post covered his story: Ikea dresser tip-over and the tragic death of a young child

"What happened to Curren is known as a "tip." - the term when a device every day or furniture overturned and suddenly turned into a deadly threat According to the Consumer Product Safety Commission (CPDC), a child dies almost every two weeks due to reversal of incidents. the vast majority of victims are under the age of five. "

We've already posted on the protection of children against TV tip-overs but the incident in this news story involves furniture. The terrifying video simulation below shows the danger and the solution. anti-tip anchoring devices are readily available and easy to install, as shown in the video. Here is how an anchor to tilt sheet (PDF) CLBC. Learn more about anchorit.gov.

RJ Mitte - star of the hit television series "Breaking Bad" - speaks of a new insurance series of short films called video "Bad Breaks" that are designed to educate students about the importance of insurance. The series is part of the National Association of Insurance Commissioners' (NAIC) Insure U. If you're not familiar with Insure U, check it out, it is a friendly informative resource objective to obtain reliable information on insurance. It is designed to help educate insurance consumers on various insurance products and how to avoid being scammed. It offers tools and resources of state insurance regulators

Bad Breaks RJ :. Auto Accidents Aplenty is the first version - two more are planned.

File this under "dubious distinctions" Boston drivers, you are the worst! Your drivers are 157% more likely to get in an accident than the national average - they get in an accident about every three years. In the list of 0 biggest cities, you come to the last death at # 0.

Worcester, you are not much better - come to # 199. And not a smirk you, Springfield - you have the 5th worst driving record!

The honors for the city with the safest drivers in the nation goes to Kansas City, where drivers are 24.8% less likely than the average American driver to get into an accident.

The ranking is annual Allstate You can read a summary of our miserable record in the history of Boston.com "America's Best Driver Report." Bostonians plant more than twice as often as the driver medium

the only consolation is that, despite the number of poor urban drivers in the state, Massachusetts has not made the list of 10 states with the worst driving records.

Hey, you all bad drivers - here are some tips to "Uncle Bob": 70 Defensive Driving Rules