Insurance is where an individual receives financial protection or reimbursement against losses from an insurance company. The amount of money to be charged for a certain amount of insurance coverage is called the premium. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated.

Some individuals, for example, prefer 24-hour claims service or face-to-face contact with an insurance representative. Also consider the claims settlement process, the amount of the deductible in the form of an excess charge and the extent of the replacement coverage. Insurance companies and the policies they offer are not all the same, so think about more than just the price.

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