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Any threat that can be quantified can potentially be insured. Particular sorts of risk that will give rise to claims are generally known as perils. An insurance coverage policy will set out intimately which perils are lined by the coverage and which aren’t. Beneath are non-exhaustive lists of the many various kinds of insurance that exist. A single coverage could cowl dangers in a number of of the categories set out under. For instance, automobile insurance would typically cowl each the property risk (theft or injury to the car) and the legal responsibility risk (legal claims arising from an accident ). A home insurance coverage policy within the United States sometimes contains coverage for damage to the house and the owner’s belongings, sure authorized claims towards the owner, and even a small amount of coverage for medical expenses of visitors who’re injured on the proprietor’s property.
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