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A single policy may cover risks in one or more of the categories set out below. 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 United States typically includes coverage for damage to the ky health insurance open enrollment 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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