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for more information , ask your insurance agent or insurance company if this peril is covered by your policy . Condominium associations may purchase a condominium master policy that covers both the common elements of the building and the individual units owned by the members of the association . Find suppliers who accept Medicare assignment where you live See if a particular piece of equipment or supply is covered by Medicare Find out about a durable medical equipment claim Ask questions about wheel chairs , hospital beds , walkers , oxygen , etc. AARP promotes and supports advocacy , education , and community service activities in states and communities . The first salvo was issued by none other than Strobe Talbott , a close associate of the pro-India former president , Bill Clinton , in his July 21 piece in the magazine , Yale Global . Even though a room may have windows and constitute living quarters , it is still considered to be a basement if the floor is below ground level on all sides . To aid you in keeping coverage at an adequate level , some companies offer an " Inflation Guard Endorsement . State regulators hold the insurance companies ' agents and brokers accountable for providing NFIP customers with the same standards and level of service that the states require of them in selling their other lines of insurance . This provision benefits everyone in the long run because it helps to keep costs down . To effect a cancellation of a flood insurance policy , the policyholder must supply a copy of the LOMA or LOMR and a waiver for the flood insurance purchase requirement from the lending institution to the insurance agent or broker who services the policy . Sometimes exclusive agents may work for a lower rate of commission than independent agents . Some forms of personal property , such as silverware , computers , guns , money , expensive antiques and jewelry have limited coverage under your homeowner 's policy and may need additional insurance . An insurance form is another name for an insurance policy , and it specifies what perils your home and belongings are insured against . You and your spouse may each be covered under a health insurance plan at work but , under what is called a coordination of benefits provision , the total you can receive under both plans for a covered medical expense cannot exceed 100 percent of the allowable cost . The NFIP 's definition of " basement " includes any part of a building where all sides of the floor are located below ground level . Some companies waive the surrender charge if the interest rate being credited to the contract falls below a specified level .