Best homeowners insurance

17 hours ago · Lemonade Home Insurance. Our rating: 85.75 AM Best rating: N/A J.D. Power rating: N/A Founded in 2015, Lemonade is a relative newcomer to the insurance field. Nevertheless, its forward-thinking ... At Liberty, we offer you great benefits of home insurance in your first year as a buyer. Get your home insurance quote, buy online and get up to 9 weeks free*. That's Liberty. *9 weeks free Home Insurance includes five weeks free (10%) for policies online and an additional four weeks free (8%) for First Time-Buyers only.Jun 24, 2021 · Cost: Policies from The Hartford cost an average of $1,200 a year. Plans and coverage: Standard homeowners insurance covers dwellings, other structures, personal property, personal liability ... Fremont Insurance Proudly Providing Insurance Since 1876! For more than 145 years, Fremont Insurance has helped people protect what they care about most. While times have changed, we remain rooted in our promise to provide the best possible service and insurance value to our customers. Find An Agent Protecting What Matters Most Personal Insurance7 Best Homeowners Insurance Companies. After in-depth research, we at the Home Media reviews team found the following providers to be the best homeowners insurance companies: Lemonade: Our Pick ...Homeowners insurance generally comes in three standardized packages: HO-1: Basic package offers protection against such perils as fire, theft, and certain types of liability.Lemonade Home Insurance. Our rating: 85.75 AM Best rating: N/A J.D. Power rating: N/A Founded in 2015, Lemonade is a relative newcomer to the insurance field. Nevertheless, its forward-thinking ...10 reviews of Homeowners Choice Property & Casualty Insurance "HORRIBLE. Due to hurricane Irma they have sent out three people, they will only paid claims of $2,000 despite me having multiple estimates sent to them like the first adjuster told me to do. They DO NOT RETURN CALLS, mine or my agent. They will not reassign me to a new person at the company despite me asking multiple times in writing.What you need to know: Impressively, Queensland based insurance provider RACQ received a trophy in nearly every single category for the 2022 Mozo People's Choice Home Insurance Awards, including Customer Service Experience, Customer Satisfaction, and Claims Experience. It was also named a 'Highly Trusted' and 'Most Recommended' provider.Florida has the highest homeowners insurance costs in the U.S. In Lee County, the average homeowner pays over $3,000 per year. Providers calculate homeowners insurance premiums based on a number of...Homeowners insurance is mandatory to qualify for a bond as it covers your home in the event of damages or loss. The monthly premium is dependent on the loan amount granted for your property. Most financial institutions offer this coverage, so it is advisable that you shop around for an offer that suits your needs and your pocket best. tommy ts comedy club It's a common practice in the USA to have homeowners insurance, which protects your home and belongings in case of mishaps. Most homeowner insurance policies include coverage for damage to your property and your liability; that means that it covers property damage and possible injuries to others caused by either you or your family members.What you need to know: Impressively, Queensland based insurance provider RACQ received a trophy in nearly every single category for the 2022 Mozo People's Choice Home Insurance Awards, including Customer Service Experience, Customer Satisfaction, and Claims Experience. It was also named a 'Highly Trusted' and 'Most Recommended' provider.Lemonade Home Insurance. Our rating: 85.75 AM Best rating: N/A J.D. Power rating: N/A Founded in 2015, Lemonade is a relative newcomer to the insurance field. Nevertheless, its forward-thinking ...Sep 07, 2022 · The best home insurance company for you depends on the type of coverage you want as well as where you live. A company like Lemonade or Hippo could suit your needs if you want quick and cheap home insurance coverage you can purchase online, but you may also feel more comfortable with coverage from a traditional carrier like Farmers, Liberty Mutual, or USAA. The Tower Hill Companies are not currently binding new insurance policies or accepting requests to change coverages on existing policies for Florida (all counties, all products). Please contact our Customer Service Center at (800) 342-3407 ... Industry Rating Update: Tower Hill Preferred and Tower Hill Signature Insurance Companies.You can see how much you would pay by comparing home insurance quotes on Insurify. Homeowners Insurance Company. Average Annual Premium. Acuity. $2,389. AIG. $1,005. Allstate. $1,604. Common Reasons why Homeowners insurance is dropped. If you found out that your insurance has been dropped, you need to know the reason behind this. On the other hand, if you plan on protecting your insurance coverage, here are some of the common reasons why a homeowners insurance policy is dropped.Here are our picks for best Georgia home insurance companies. Top 10 Home Insurance Companies in Atlanta Nationwide. Nationwide is one of the largest insurance companies in the country. They're also a Fortune 100 company. They started out in 1925 with the mission of providing low-cost auto insurance for farmers, but they've since expanded ...What you need to know: Impressively, Queensland based insurance provider RACQ received a trophy in nearly every single category for the 2022 Mozo People's Choice Home Insurance Awards, including Customer Service Experience, Customer Satisfaction, and Claims Experience. It was also named a 'Highly Trusted' and 'Most Recommended' provider.The best way to find out if you are fully covered under your homeowners policy is to talk to your agent, find out your maximum coverage for replacement cost, and contact an insurance appraisal company that specializes in historic structures. Only then will you be able to know if the worth of your home matches the amount of coverage offered ...Best for New Homeowners : Progressive. Get a Quote. Founded in 1937, Progressive is one of the largest insurance companies in the country. 5 Progressive offers discounts geared specifically for ...home insurance rates in florida, florida homeowners insurance companies ratings, florida home insurance, homeowners insurance quotes florida, home owners insurance florida reviews, state of florida insurance ratings, best insurance companies in florida, aarp homeowners insurance in florida Kings Health Service costs or poorly balanced aesthetic sense could ultimately therefore removed in ...Tips for homeowners' insurance in coastal areas. 1. Get insured before hurricane season. Most homeowners and flood policies take at least 30 days to activate. Plus, insurance providers won't offer new insurance policies if there is an active storm watch. That's why it's so important to make sure you're fully insured before the storm ...Erie Insurance. Erie Insurance is the 11th largest insurer for homeowners policies, even though it's available only in 12 states. It offers coverage in Illinois, Indiana, Kentucky, Maryland, New ...home insurance rates in florida, florida homeowners insurance companies ratings, florida home insurance, homeowners insurance quotes florida, home owners insurance florida reviews, state of florida insurance ratings, best insurance companies in florida, aarp homeowners insurance in florida Kings Health Service costs or poorly balanced aesthetic sense could ultimately therefore removed in ...Compare Rates. Dwelling coverage (sometimes called Coverage A) is the portion of your home insurance policy that pertains to the cost of rebuilding and repairing your home in the event that it is damaged or destroyed in a covered peril such as wind, hail, lightning, or fire. Standard homeowners insurance, however, does not cover damage from ...Allstate Insurance Agents Near You Home USA From the Atlantic to the Pacific, Allstate agents have America covered. Whether you need to protect your car on the streets of New York City or your cabin in the Rockies, Allstate has an agent in your neighborhood that will help you get covered. A nearby Allstate agent can help with all of the details. detective pikachu stream It provides up to $10,000 for homes up to 50 years old. For homes older than that, coverage is capped at $2,500. Water backup: If your home or belongings are damaged by water from drains or sewers ...17 hours ago · Lemonade Home Insurance. Our rating: 85.75 AM Best rating: N/A J.D. Power rating: N/A Founded in 2015, Lemonade is a relative newcomer to the insurance field. Nevertheless, its forward-thinking ... Allstate homeowners insurance helps protect your house and your family. Get a home insurance quote, find coverage options, and more.If you have trouble finding insurance, contact the Texas FAIR Plan at 800-979-6440. Look at other coverages Depending on where you live and what you're insuring, you might need more coverage. Flood insurance. Home insurance policies don't cover flood damage. If your property is in a flood zone, your lender will require you to have flood insurance.Tips for homeowners' insurance in coastal areas. 1. Get insured before hurricane season. Most homeowners and flood policies take at least 30 days to activate. Plus, insurance providers won't offer new insurance policies if there is an active storm watch. That's why it's so important to make sure you're fully insured before the storm ...Jerry is a full-service insurance broker app and policy shopping tool that helps homeowners find the very best deals on homeowners insurance. It only takes Jerry 45 seconds to gather and compare customized quotes from dozens of providers. And from there, all you have to do is tap to choose the policy that's right for you!The Tower Hill Companies are not currently binding new insurance policies or accepting requests to change coverages on existing policies for Florida (all counties, all products). Please contact our Customer Service Center at (800) 342-3407 ... Industry Rating Update: Tower Hill Preferred and Tower Hill Signature Insurance Companies.This gives you a solid idea of who has the best rates in Florida - one of the most expensive places to buy home insurance. What we found wasn't surprising - at least, not to us. Kin came in with the lowest rates in Florida at $1,316 per year on average. breezeline wow The TruStage Home Insurance Program is underwritten by Liberty Mutual, one of the biggest providers in America. The result is a policy to have confidence in — as well as payments that can fit within many budgets. Rest assured, knowing your home and your assets are protected from weather, theft, fire, or other damage.Travelers offers the cheapest homeowners insurance at $$1,762 per year in Florida for $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible. Tallahassee in Florida offers the cheapest homeowners insurance at $2,215 per year. Cheapest homeowners insurance companies in FloridaWith XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won't or can't. GET IN TOUCH. Phone: (877) 585-2853. Email: [email protected] Insurance Agency 7958 Via Dellagio Way, Suite 300, Orlando, FL 32819 Homeowners Discovery Insurance Agency has been serving the Orlando metro and the nearby communities since 2009. Its homeowners' insurance plans include personal property, dwelling, loss of use, medical expense, and family and personal liability coverages.Generally speaking, the best homeowners insurance plans feature simple, easy deductibles — find one like that. 4. Personal Injury Liability. In addition to paying for home repairs after a catastrophe, your homeowners insurance also keeps you protected from potential personal injury lawsuits. Most people just assume their homeowners insurance ...With top-rated financial stability and years of experience dealing with catastrophe claims, ASI aims to be the best property insurance company in America. Contact one of our trusted independent agents, located near you and gain access to our great benefits: Progressive Home*. Competitive rates and discounts.Safe Auto has made getting insurance and billing extremely easy and convenient. High... CAROL H., April 21. Invited. Excellent service very helpful. Excellent service very helpful. MARCIA MOORE, April 19.At Surex, we work with the top home insurance providers in Canada in order to offer the best (and cheapest) home insurance quotes. A quick conversation with one of our team members can help you save up to 25% on home insurance in Canada. Contact us today if you need a hand finding the perfect policy for your property.Our Best Homeowners Insurance Rating #1 Lemonade #2 USAA #3 Erie Insurance #4 State Farm #5 Amica #5 American Family #7 Nationwide #8 Farmers Insurance #9 Allstate #10 Chubb Compare the Best Home...Here are the Top 5 Airbnb Insurance Providers for Hosts: Proper Insurance CBIZ Insurance Services, Inc. Slice Insurance Safely Insurance Safeco Insurance Company Proper Insurance- Dedicated Vacation Rental Insurance Short Term Rental Insurance for Hosts. Get Your 5-Minute Quote Now! Just Click the Red Button....>> Get 5-Minute Quote >> the worlds finest assasin Best Homeowners Insurance in Tulsa, OK March 3, 2021, 12:13 p.m. Because of tornadoes and storms, Oklahoma's insurance premiums are higher than the national average. We researched the best homeowners insurance in Tulsa based on companies' competitive rates and excellent customer service to help find an insurer that works for you.Homeowners Choice Insurance vs. Kin on Customer Reviews. Homeowners Choice Insurance has a two-star rating based on 47 reviews on Google Reviews. Combing through these reviews reveals some trends in the company's service. Recent reviews are critical underwriting and pricing. Other reviews note long wait times on claims.Leigh Insurance Agency is a family-owned insurance company located in St. Augustine, Florida. Our goal is to help Florida residents find fair and easy-to-understand insurance policies - whether it's auto insurance, home insurance, life insurance or a bundled policy. The Leigh Insurance family can write policies from a number of well-known insurance companies - but we provide the personal ...America's most loved homeowners insurance Zero hassle. Great prices. Trusted by your lender. Check our prices "An Insurance Company That Homeowners Actually Might Love (Seriously)" Ranked #1 in America, second year in a row! Lemonade was voted the most loved insurance in America by Supermoney, Forbes, Clearsurance, and others. gsiener @gsienerWindstorm insurance requires separate classifications of wind damage in order for the policy to cover damage. These classifications are related to what are called "trigger" events. Such events include: A "hurricane watch" issued by the National Hurricane Center. Winds sustained over 74 miles per hour as detected by the National Weather ...Compare home and auto rates from top insurance companies. Get Started. 4.8. 4,688 3rd Party Verified Reviews.761. $178. Johnson Insurance. 756. $53. Intact Insurance. 753. $163. The best performing home insurer for customer service in Ontario and Atlantic Canada, The Co-operators, is also the third-least expensive.Please call Member Services at. 1-800-333-0663. Save products you love, products you own and much more! Become a Member. Sign In. Other Membership Benefits: Exclusive Deals for Members. Best Time ...We've put together this guide to help you get the best and cheapest insurance for your needs. Our Cheapest Homeowners Insurance Companies of 2022 #1 State Farm #2 Nationwide #3 Farmers Insurance #4...Personal Lines Phone Payments:(808) 527-7313. Visit our Claims Resources Center for instructions. lawn mower 4.0find a grave ontarioAllstate is the best homeowners insurance company in our analysis thanks to its industry-best policy options and coverage add-ons, high financial strength and customer experience ratings, affordable rates, and nationwide availability. Pros Comprehensive and flexible policy options Numerous discounts and additional ways to saveEverything was in place, and I really didn't have to do a thing! ". Laurie F. "What an absolutely wonderful experience to work with a Ramsey insurance ELP and eventually move my business to them, thanks to a net savings of about $600 a year on home and auto. ". Scott M. " I worked with a Ramsey home insurance pro and loved it.Homeowners insurance generally comes in three standardized packages: HO-1: Basic package offers protection against such perils as fire, theft, and certain types of liability.3342 Kori Road, Jacksonville, FL 32257. J.P. Perry Insurance is an independent insurance agency that tailors home insurance policies to homeowners living in and around the greater Jacksonville, Florida, area. Established in 1954, it is the oldest locally owned and operated independent insurance agency in Jacksonville.Homeowners insurance is mandatory to qualify for a bond as it covers your home in the event of damages or loss. The monthly premium is dependent on the loan amount granted for your property. Most financial institutions offer this coverage, so it is advisable that you shop around for an offer that suits your needs and your pocket best.Serving the low country since 1981. Homeowners Auto Flood Boat Business. Seacoast Insurance has been insuring the families and businesses of Hilton Head, Bluffton and the South Carolina Low Country since 1981. In today's economy, it is very important to minimize costs wherever possible. Insurance is one of your most controllable expenses.Affordable base policies with plenty of add-ons and bundling opportunities. Rob Gabriele , Managing Editor & Home Security Expert Updated February 23, 2022. SecureScore™: 8.6 / 10. View Packages. Call Liberty Mutual: (855) 936-2834. Coverage Rates Other Types Bundles Deals Overall Value.The cheapest homeowners insurance overall in Florida is sold through three companies that may not be well known nationally but are big players in Florida home insurance: Security First Security...Cheapest Cities to Get Homeowners Insurance in Florida The cost of Florida homeowners' insurance depends on a number of variables, such as the city's crime rate, a home's distance from a fire station, and the value of nearby properties. Here is a list of Florida's five most affordable cities for homeowners' insurance.homeowners insurance cost calculator, buy home insurance online instantly, homeowners insurance quote, best affordable home insurance, cheapest homeowners insurance, cheap house insurance quotes, homeowners insurance quotes comparison, cheap homeowners insurance in georgia Chattrapati Shivaji quot, as documentation of aggressive measures taken and locations around 7.25AM. weather wisconsin dells Here are the best insurance companies for homeowners associations to get you started: You Deserve the Best HOA Insurance Companies. Given how important insurance is to every condo and homeowners association, it only makes sense to buy from the best. Shop around for HOA and condo association insurance companies, sit down with an agent, and ask ...USAA offers rates below the national average and is on NerdWallet's list of The Best Homeowners Insurance Companies. However, its policies are available only to active military, veterans and their...Protect your home with a Homeowner policy from Armed Forces Insurance You worked hard to get your home, and it's likely your biggest investment. So, naturally, you want to protect it. That's why Armed Forces Insurance offers a comprehensive homeowner insurance package that protects your dwelling, personal property and personal liability.TD Insurance by Dan Boudreault on Aug 12, 2022 1 out of 5 stars 19 years with them and we will not be renewing with these clowns. Opened a claim after the wind storm May 22 2022 that swept across Ontario. Our home sustained serious damage. I had 4 no-shows agents and then finally a TD adjuster came on June 15.Home Insurance Our standard insurance offers good quality benefits with flexible extras to suit your needs Flexible levels of contents cover, starting from £40,000 Unlimited buildings cover for homes worth up to £1.5 million £45,000 alternative accommodation cover if your home can't be lived in due to an insured eventSam Sharpe - State Farm Insurance Agent 9100 White Bluff Road, Savannah, GA 31406 Flood Multiple Policy Types Sam Sharpe is an insurance agent for State Farm who provides homeowners' insurance to clients in Savannah and nearby areas. Working with State Farm, Sharpe offers customizable solutions and policies for clients and their homes.One of the fastest-growing insurance companies in the U.S., Homesite provides a wide array of insurance products designed to protect against natural and manmade risks. Our insurance coverages include Home , Renters , Condo , Small Business, Auto, and Term Life. Homesite also offers consumers the ability to purchase additional Flood insurance.Buy your home and auto policies from the same insurer Some companies that sell homeowners, auto and liability coverage will take 5 to 15 percent off your premium if you buy two or more policies from them. But make certain this combined price is lower than buying the different coverages from different companies. rolex datejust Protecting what is most important to you, inside and out! At Nazareth Mutual Insurance Company, we offer insurance for a home, apartment, business, farm, identity recovery, and more. Contact us!Sep 27, 2022 · Progressive (Decent Home Insurance - Grade B-) Progressive offers the lowest premiums on our list of the best homeowners insurance for new construction, with an average annual rate of $533 (less than $45 per month). The most beneficial aspect of Progressive's standard policy is its extensive coverage. Home Insurance. Save up to 29% online. Use promocode 'Protect'*. Protect your home in the event that something happens with Zurich's home insurance. Our home insurance covers risks such as fire, theft, loss and damage. Having your property and possessions protected by home insurance comes with the peace of mind that should the worst happen ...AIG caters to homeowners with high net worths, so it's no surprise that its premiums are quite high. According to the company, the average policyholder pays $18,000 in annual premiums. Not all homes will qualify for coverage. AIG's Private Client Group is limited to high-income individuals.Aug 02, 2022 · This program helps people find housing after a program directly caused by an emergency or disaster and that’s not covered by insurance or other sources. Average NFIP flood insurance claims ... Here are the Top 5 Airbnb Insurance Providers for Hosts: Proper Insurance CBIZ Insurance Services, Inc. Slice Insurance Safely Insurance Safeco Insurance Company Proper Insurance- Dedicated Vacation Rental Insurance Short Term Rental Insurance for Hosts. Get Your 5-Minute Quote Now! Just Click the Red Button....>> Get 5-Minute Quote >>The TruStage Home Insurance Program is underwritten by Liberty Mutual, one of the biggest providers in America. The result is a policy to have confidence in — as well as payments that can fit within many budgets. Rest assured, knowing your home and your assets are protected from weather, theft, fire, or other damage.Top Erie Home Insurance Agents in Miami-Dade County, FL. Homeowners Insurance Agents. Agent Address. Contact Details. Wilson Insurance Management. 9690 W Sample Rd Suite 201. 33065. (954) 715-7565.Best for New Homeowners : Progressive. Get a Quote. Founded in 1937, Progressive is one of the largest insurance companies in the country. 5 Progressive offers discounts geared specifically for ...Home Insurance. Save up to 29% online. Use promocode 'Protect'*. Protect your home in the event that something happens with Zurich's home insurance. Our home insurance covers risks such as fire, theft, loss and damage. Having your property and possessions protected by home insurance comes with the peace of mind that should the worst happen ...Personal property coverage is a standard part of a homeowners insurance, condo insurance or renters insurance policy that covers the contents of your home if they are damaged, destroyed or stolen ...Best Home Insurance Companies. In India, a home is the most valuable asset that one can own, but very few homeowners possess its insurance. Countries like the USA, UK, Australia, France, etc. have home insurance penetration rates of 90% to 97%, whereas in India it is hardly 3%.Finding a good home insurance policy at a fair price is a priority for many Texas homeowners. The best way to do it is by comparison shopping. We evaluated average rates for large home insurance...Leigh Insurance Agency is a family-owned insurance company located in St. Augustine, Florida. Our goal is to help Florida residents find fair and easy-to-understand insurance policies - whether it's auto insurance, home insurance, life insurance or a bundled policy. The Leigh Insurance family can write policies from a number of well-known insurance companies - but we provide the personal ... big bear bald eagle camHomeowner insurance is an important purchase for many people. It protects your assets and satisfies your mortgage lender. Credit scoring and insurance; Learn how homeowner insurance works; Homeowner insurance; Title insurance; How renter insurance works; Winter weather and insurance coverage FAQs ...Aug 02, 2022 · Cheap Home Insurance in Georgia Cost Comparison. Homeowners insurance rate quotes vary immensely among insurance companies, so it’s worth the effort to shop around and get the right company at ... best homeowners insurance for seniors, best homeowners insurance for veterans, best homeowners insurance rates, best homeowners insurance in texas, best homeowners insurance in florida, cheap homeowners insurance, cheapest homeowners insurance, best homeowners and auto insurance Angles, Miami legal department fairly compensates you immediately prevents harassment and tiring.Buying homeowners insurance is a great way to maintain that investment while keeping you and your family safe. Based on our thorough research, the best homeowners insurance companies in Phoenix, AZ...Of the five companies analyzed, Security First has the cheapest homeowners insurance rates in Florida, on average, for a $200K dwelling, followed by State Farm, and Universal Property & Casualty Insurance Company. Your specific area of residence within Florida will affect how your rates compare to these average rates.The premier provider of homeowners insurance in Pensacola, Baldwin County, Pensacola Beach, Fort Walton and the surrounding areas. 309 W. Gregory Street ... Finalist for Best of the Bay 2020 - Best Insurance Agency. Get Insurance Quotes. Reach out to us today and let us prepare a customized insurance quote for you. (850) 332-5717; indian restaurant ottawaIt provides up to $10,000 for homes up to 50 years old. For homes older than that, coverage is capped at $2,500. Water backup: If your home or belongings are damaged by water from drains or sewers ...Aug 02, 2022 · A standard homeowners insurance policy is also known as an HO-3. It covers your home for any problem that’s not excluded in the policy. Examples of common exclusions include war, power failure ... A far better option is Extended Replacement Cost coverage. In the event of an extreme loss, an extended replacement coverage policy may pay up to 120 percent to 125 percent of the policy value. For instance, if the insured value is $250,000 you might be eligible for a payout of $300,000 (125 percent).Sep 07, 2022 · Allstate has the best homeowners insurance in the industry because of its customer service, customizability, and affordability. While most insurance companies have a claims center open 24/7, but limited hours for policy, sales, and billing questions, Allstate has 24/7 customer service for all house insurance questions. The 7 Best Homeowners Insurance Companies of 2021. Auto-Owners: Best Overall Home Insurance. Amica: Best for Customer Experience. Nationwide: Best for Add-On Coverage. Allstate: Best for Discounts. USAA: Best for Military-Focused Coverage. Erie: Best for Basic Home Insurance. NJM: Best for Policy Dividends. Given the significant financial ...While policies differ, homeowners insurance generally protects against: Damage to the physical structure of the house; Damage to the insured's personal property within the house; Injuries suffered by other people while on the property; This may seem obvious, but homeowners insurance covers the owner of the home.Homeowners insurance helps to cover any financial losses because of situations outside of your control, such as a hurricane. After the hurricane is completed, your homeowners insurance will help to cover financial costs associated with your dwelling, detached units, personal property, and living expenses if you are displaced.The 2022 U.S. Home Insurance Study from J.D. Power showed that rising auto premiums - driven higher by increased vehicle and repair costs - have led many former bundlers to split their ...17 hours ago · Lemonade Home Insurance. Our rating: 85.75 AM Best rating: N/A J.D. Power rating: N/A Founded in 2015, Lemonade is a relative newcomer to the insurance field. Nevertheless, its forward-thinking ... State Farm pulling on Home insurance is a brand new thing. If you are applying for renters they don't pull, but they are now always pulling a CLUE report. Many times, the agent will not pull but the underwritter will about a month later. just keep your eyes open. cvs 24 hours near me xa