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[QUOTE="Jasz, post: 261240, member: 61772"] Insurance is a broad term, covering various types of products. The main categories of insurance include: Disability and health insurance: cover for medical expenses, hospitalization and accidents. Property and liability insurance: cover for damage to property or injury to others. Life insurance: Protection is offered by life insurance in the event of death. Homeowner's or renter's insurance: protects you against financial loss if you do not have adequate coverage elsewhere. Auto insurance: covers damages to your vehicle if someone gets hurt while driving it. A typical policy will have a deductible amount that you must pay before the insurer pays any benefits, usually up to a certain percentage of the total claim. This can be confusing because most policies offer coverage for different amounts depending on where you live (e.g., $5,000 per year in New York City versus $2,500 per year in rural Montana), and some use geographic modifiers such as "small car" or "low-mileage car" to set their limits higher or lower than average for cars in those areas but still maintain a large enough pool. [/QUOTE]
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