Eamonn Holmes once humorously said that he’d be “a happy man” if his wife Ruth Langsford loved him the way she loved their rescue dog, Maggie. 

The former couple left fans stunned last month when they revealed they were divorcing after 14 years of wedded bliss.

Throughout their lengthy relationship, the duo frequently discussed their bond, which took a new turn 14 years ago when they adopted their beloved pooch from Dogs Trust.

In a joint interview in 2021, Eamonn and Ruth discussed their shared deep affection for their “adorable” Maggie and how she provided comfort during challenging periods.

“She’s just adorable,” Ruth gushed to The Telegraph at the time. “We adore her. After a long, hard day, coming home to her is the best. 

When she sees me or Eamonn, her tail starts wagging, then she runs off to fetch a toy from her basket to give us.

“It’s the most heartwarming thing. All your worries, frustrations, and anger just melt away.”

During the conversation, Eamonn echoed Ruth’s sentiments about their mutual love for Maggie, but cryptically added: “If my wife loved me the way my dog loves me, I’d be a very happy man,” reports the Express.

Since adopting Maggie, the pair have kept fans entertained with regular updates on social media.

Following their separation, it seems Ruth has taken over caring for Maggie, as indicated by her Instagram posts.

The telly favourite has been sharing glimpses of her countryside strolls with their beloved Collie cross on Instagram, with Eamonn nowhere to be seen.

A source spilled to The Sun that Eamonn’s health struggles might hinder his ability to look after Maggie, saying: “Maggie is like a daughter to them. They dote on her. But she’s getting on and they know she needs stability.

“It’s a case of who can give her that. Eamonn adores her and Maggie’s been such a support during his health woes.

“The thought of giving her up is heartbreaking to him. But if Ruth is able to get out and about and walk her more, then it may well be that she gets Maggie in the split.”

The duo, who tied the knot in 2010, and are parents to their 22-year-old son Jack, while Eamonn also has three other children from his previous marriage, along with two grandkids.

After the news of their separation hit the headlines, Eamonn expressed his gratitude for the outpouring of support on his GB News programme, stating: “Just before we move on we’d just like to thank people for your support for Ruth and I over the last few days as to the news of our separation. Your support for both of us is very much appreciated.”

Ruth has not yet publicly commented on their split and is currently on an extended break from Loose Women.

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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

1. 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.
2. 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.
3. 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?

1. Cost Control: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.
2. Reduced Claims Frequency: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.
3. 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:

1. 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.
2. 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.
3. 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.