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Home insurance, also commonly called homeowner's insurance (often abbreviated in the US real estate industry as HOI), is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other. A Wharf is a manmade structure on a river or by the sea, which provides an area for ships to safely dock. Some are very intricate, with multiple types of berth over a large area, and navigable channels, and others (like this one, below, from Australia) are more straightforward. Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss. An entity which provides insurance is known as an insurer, insurance company, insurance carrier or underwriter. 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The new edition of this British Insurance Law Association (BILA)award winning text is the definitive reference source for marine cargo insurance law. Written by an author who was closely involved with the revisions to the Institute Cargo Clauses 2009 Typical cover provided. The main clauses used in the London market and worldwide are the Institute Cargo Clauses A, B and C which give a choice of cover ranging from All Risks with the A clauses (where the individual perils are not named), down to a very limited number of listed or named perils in the C Clauses. Deep Foundations Institute (DFI) publications including Technical Manuals Inspector's Guides Reference, Short Courses, Annual Conference Proceedings, Seminar Proceedings, International Conference Proceedings, Journals, Model Clauses, AudioVisuals are available from DFI. (From General Correspondence i. 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