Home insurance, also commonly called hazard insurance or homeowners insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home. It requires that at least one of the named insured occupies the home. The dwelling policy (DP) is similar, but used for residences which don't qualify for various reasons, such as non-occupancy or age. It is a multiple line insurance, meaning that it includes both property and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. Standard forms divide coverage into several categories, and the coverage provided is typically a percentage of Coverage A, which is coverage for the main dwelling. The cost of homeowners insurance often depends on what it would cost to replace the house and which additional riders—additional items to be insured—are attached to the policy. The insurance policy itself is a lengthy contract, and names what will and what will not be paid in the case of various events. Typically, claims due to earthquakes, floods, "Acts of God", or war (whose definition typically includes a nuclear explosion from any source) are excluded. Special insurance can be purchased for these possibilities, including flood insurance and earthquake insurance. Insurance must be updated to the present and existing value at whatever inflation up or down, and an appraisal paid by the insurance company will be added on to the policy premium. Fire insurance will require a special premium charge, plus the addition of smoke detectors and on site fire suppression systems to qualify.

Computer Security

Computer security is a branch of computer technology known as Information Security as applied to computers and networks. The objective of computer security includes protection of information and property from theft, corruption, or natural disaster, while allowing the information and property to remain accessible and productive to its intended users. The term computer system security means the collective processes and mechanisms by which sensitive and valuable information and services are protected from publication, tampering or collapse by unauthorized activities or untrustworthy individuals and unplanned events respectively. The strategies and methodologies of computer security often differ from most other computer technologies because of its somewhat elusive objective of preventing unwanted computer behavior instead of enabling wanted computer behavior.

Security Architecture can be defined as the design artifacts that describe how the security controls (security countermeasures) are positioned, and how they relate to the overall information technology architecture. These controls serve the purpose to maintain the system's quality attributes, among them confidentiality, integrity, availability, accountability and assurance.

The technologies of computer security are based on logic. As security is not necessarily the primary goal of most computer applications, designing a program with security in mind often imposes restrictions on that program's behavior.

There are 4 approaches to security in computing; sometimes a combination of approaches is valid:

    Trust all the software to abide by a security policy but the software is not trustworthy (this is computer insecurity).

    Trust all the software to abide by a security policy and the software is validated as trustworthy (by tedious branch and path analysis for example).

    Trust no software but enforce a security policy with mechanisms that are not trustworthy (again this is computer insecurity).

    Trust no software but enforce a security policy with trustworthy hardware mechanisms.

Many systems have unintentionally resulted in the first possibility. Since approach two is expensive and non-deterministic, its use is very limited. Approaches one and three lead to failure. Because approach number four is often based on hardware mechanisms and avoids abstractions and a multiplicity of degrees of freedom, it is more practical. Combinations of approaches two and four are often used in a layered architecture with thin layers of two and thick layers of four.

There are various strategies and techniques used to design security systems. However, there are few, if any, effective strategies to enhance security after design. One technique enforces the principle of least privilege to great extent, where an entity has only the privileges that are needed for its function. That way even if an attacker gains access to one part of the system, fine-grained security ensures that it is just as difficult for them to access the rest.

Furthermore, by breaking the system up into smaller components, the complexity of individual components is reduced, opening up the possibility of using techniques such as automated theorem proving to prove the correctness of crucial software subsystems. This enables a closed form solution to security that works well when only a single well-characterized property can be isolated as critical, and that property is also assessable to math. Not surprisingly, it is impractical for generalized correctness, which probably cannot even be defined, much less proven. Where formal correctness proofs are not possible, rigorous use of code review and unit testing represent a best-effort approach to make modules secure.

The design should use "defense in depth", where more than one subsystem needs to be violated to compromise the integrity of the system and the information it holds. Defense in depth works when the breaching of one security measure does not provide a platform to facilitate subverting another. Also, the cascading principle acknowledges that several low hurdles does not make a high hurdle. So cascading several weak mechanisms does not provide the safety of a single stronger mechanism.

Subsystems should default to secure settings, and wherever possible should be designed to fail secure rather than fail insecure. Ideally, a secure system should require a deliberate, conscious, knowledgeable and free decision on the part of legitimate authorities in order to make it insecure.

In addition, security should not be an all or nothing issue. The designers and operators of systems should assume that security breaches are inevitable. Full audit trails should be kept of system activity, so that when a security breach occurs, the mechanism and extent of the breach can be determined. Storing audit trails remotely, where they can only be appended to, can keep intruders from covering their tracks. Finally, full disclosure helps to ensure that when bugs are found the "window of vulnerability is kept as short as possible.

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