Insurances are an important part of our  personal risk management.  We should know what we are insuring ourselves for and why.  We should know the exclusions in the policy and the process for making a claim.  Also, an all inclusive insurance policy may not be necessary, and excluding certain items may lower your premium without necessarily increasing your risks.  Also, you should take more than one policy quotation and compare the premiums and the benefits that different insurers offer.   

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