structure of the hard palate consists of the horizontal portions of the palatine bones and the palatine processes of the maxillae. These paired midline bones completely separate the oral cavity from the nasal cavity superiorly. The bony structure is covered with periosteum tightly adherent to the overlying mucosa. Minor salivary glands, towards the posterior aspect of the hard palate, drain directly through the overlying mucosa into the oral cavity.
According to the Federal Reserve Bureau, the average cost of an annual premium for homeowners insurance is between $300 and $1,000. For most homeowners, the annual costs for a homeowners insurance policy can be estimated by dividing the value of the home by 1,000, then multiplying the result by $3.50.
1 The premium for either a lender's or an owner's policy is based on the home's value, and can vary depending on state or county, according to the Federal Reserve. 2  It typically costs about $1.75-$9 per $1,000 of the home's value, or about $350-$1,800 on a $200,000 home, or $700-$2,000 or more for a $400,000 home. Title insurance is a one-time, up-front mortgage closing cost based on the size of the residence and how much of the home's value is being insured. 2  There are two options for title insurance: lender's and owner's.