Eamonn Holmes once joked that his and Ruth Langsford’s rescue dog Maggie loved him more than his wife did, much to his dismay.
The former couple shocked fans last month after announcing they were heading for a divorce after 14 years of marriage.
During their many years together, the pair were no strangers to discussing their relationship, which changed 14 years ago when they adopted their pet pooch from the charity Dogs Trust.
Back in 2021, in a joint interview, Eamonn and Ruth opened up about the love they had for their “adorable” Maggie and how she helped them through tough times.
She’s just adorable,” Ruth told The Telegraph at the time. “We love her so much.
You come home and you’ve had a tough day, a long day, whatever, and I see her and she sees me, or Eamonn.
And you see her tail going, and then she runs off, and I know it’s because she’s getting a toy from her basket to bring you.
“It’s just the loveliest thing. And you forget everything you were worried about, annoyed about, cross about.” During the chat, Eamonn echoed Ruth’s words about their shared love for Maggie but cryptically added: “If my wife loved me the way my dog loves me, I’d be a very happy man.” Since rescuing Maggie, the pair have been sharing many updates on social media over the years, which has kept fans happy.
Since their split, Ruth appears to be the one who has been looking after Maggie judging by her Instagram.
In recent weeks, the presenter has been giving fans an insight into her dog walks with their Collie cross on her Story with Eamonn nowhere to be seen.
According to a source, the GB News’ presenter’s current health issues could stop him from caring for Maggie.
They told The Sun: “Maggie is like a daughter to them. They dote on her. But she’s getting on and they know she needs stability.
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Source: USA Today
Understanding Deductibles in Insurance
What is a Deductible?
A deductible is the amount of money a policyholder must pay out-of-pocket before an insurance company begins to cover the remaining costs. Deductibles are a fundamental component of most insurance policies, including health, auto, home, and business insurance.
How Do Deductibles Work?
When you file a claim, you are responsible for paying the deductible amount. Only after this amount is paid will the insurance company pay for the covered expenses exceeding the deductible. For example, if you have a $1,000 deductible on your car insurance and incur $3,000 in damages from an accident, you would pay the first $1,000, and the insurance company would cover the remaining $2,000.
Types of Deductibles
- Fixed Dollar Deductible: This is a specific amount you must pay each time you file a claim. It’s common in health and auto insurance policies.
- Percentage Deductible: In some cases, particularly with homeowners insurance, the deductible might be a percentage of the insured value. For instance, if your home is insured for $200,000 and you have a 2% deductible, your out-of-pocket cost would be $4,000 before insurance covers the rest.
- Per-Claim vs. Annual Deductible:
- Per-Claim Deductible: You pay the deductible every time you file a claim.
- Annual Deductible: Common in health insurance, this deductible resets each year. You pay out-of-pocket until your total expenses reach the deductible amount for the year.
Why Do Deductibles Exist?
- Cost Control: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.
- Reduced Claims Frequency: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.
- Shared Responsibility: Deductibles ensure that policyholders share in the financial responsibility of their care or damages, promoting cautious behavior and maintenance of insured assets.
Choosing the Right Deductible
When selecting an insurance policy, choosing the right deductible is crucial. Here are some considerations:
- Financial Ability: Assess your ability to pay the deductible in case of a claim. A higher deductible can lower your premium but may be challenging to pay if an incident occurs.
- Risk Tolerance: Determine how much risk you are comfortable assuming. If you prefer lower out-of-pocket costs during an emergency, a lower deductible might be preferable, albeit with a higher premium.
- Frequency of Claims: Consider how often you might need to file a claim. If you anticipate frequent claims, a lower deductible might be more cost-effective over time.
Impact on Premiums
The relationship between deductibles and premiums is inverse. Generally, the higher the deductible, the lower the premium, and vice versa. This trade-off allows policyholders to customize their insurance based on their financial situation and risk appetite.
Conclusion
Deductibles are a key feature of insurance policies that influence both the cost of premiums and the financial burden on policyholders when filing claims. Understanding how deductibles work and carefully selecting an appropriate deductible can help balance cost savings with financial protection, ensuring optimal insurance coverage tailored to individual needs and circumstances.
