Page "Insurance" Paragraph 64
from
Wikipedia
An insurance policy will set out in detail which perils are covered by the policy and which are not.
For example, vehicle insurance would typically cover both the property risk ( theft or damage to the vehicle ) and the liability risk ( legal claims arising from an accident ).
A home insurance policy in the US typically includes coverage for damage to the home and the owner's belongings, certain legal claims against the owner, and even a small amount of coverage for medical expenses of guests who are injured on the owner's property.
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