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(being charged for a given risk, and there is thus a deficit in the system.citation needed The failure to address the deficit may mean insolvency, http://wikis.lawrence.edu/download/attachments/12779)
(and liability risk (covering legal claims from causing an accident). A homeowner's insurance policy in the U.S. typically includes property, http://wikis.lawrence.edu/download/attachments/1277954/lu3)
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