SHOCK: Ruth Langsford GOES CRAZY as documents for their £3,000,000 mansion are suddenly transferred into her husband Eamonn Holmes’ affair partner Katie’s name: ‘They’ve exploited my trust to do such despicable things!’ (video)

This follows news that the telly presenting duo are set to divorce after the collapse of their marriage of 14 years.

It was previously reported that Eamonn, 64, had moved out of the luxurious country home he shared with wife Ruth, also 64, before news of their split became public in May.

And now reports have emerged that Eamonn was ‘struggling behind the scenes’ in what an insider describes as ‘a sorry affair.’

The situation has reportedly seen the star move into a small flat by himself while he adjusts to life after Ruth.

A friend of Eamonn’s revealed his new living situation, saying: ‘It was only a few months ago he was living in his lovely family home with Ruth.’

Speaking to MailOnline, the tabloid’s source continued: ‘Yes, they were troubled, but she was caring for him and he had some kind of normality.

‘Now, he is alone in a flat living a pretty solitary existence. His marriage ending after such a long time has been something he has found difficult to accept.’

Meanwhile, another source at GB News said: ‘When he started here he was in pain, in a bit of a state, but since the Ruth news came out we are really concerned.

‘He is down, he is quieter and he seems to be in even more discomfort. You have to wonder whether it was his split from Ruth that’s contributed to his ailing health.’

Earlier this week, the veteran television presenter claimed that he was on ‘borrowed time’ and ‘not OK.’

Appearing at an awards ceremony, Eamonn revealed how he had been suffering from poor health and almost skipped the awards due to back pain.

He said he was only able to attend the ceremony with the use of a high-tech wheelchair and a walker for support.

Eamonn and Ruth shocked the showbiz world with news of their split. The pair first met during the late 90s through a mutual friend.

They later tied the knot in 2010 and welcomed son Jack, 22, during their marriage of 14 years.

They also co-presented This Morning together from 2006 until their controversial axing in 2020.

It is believed that work commitments caused the duo to drift in ‘different directions,’ contributing to the collapse of their marriage.

Since then, revelations have been coming through thick and fast – including claims that Ruth discovered messages between Eamonn and a new female friend, and worries for his ailing health.

This has left friends concerned that the divorce is going to ‘turn nasty.’

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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.