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Across 4. provides health insurance coverage to low income groups. 6. is a social and contractual device that transfers the risk of financial loss from individuals or businesses to an insurer. 8. if a utility interruption takes place that is not at the insured’s home, coverage is not provided. (2 Words) 9. Loss is simply a decline in value. 10. a portion of a covered loss not paid by the insurer during the insured’s annual 12 month policy period. (2 Words) 11. the fee paid to an insurance company in return for the insuring of property and casualty insurance and life and health insurance to individuals or businesses. 12. Physical injury to or destruction of or loss of use of tangible property such as other vehicles, buildings, telephone poles, fences etc. (3 Words) 14. includes earthquakes, landslides, mudslides etc. (2 Words) 17. Cancer insurance pays benefits only if you're diagnosed with cancer -- not for other illnesses -- and it doesn't cover all your treatment costs. (3 Words) 18. provision in an insurance policy eliminating coverage for certain risks or limiting coverage 19. a portion of a covered loss that is not paid by the insurer 21. one for whom insurance is written 22. such as a detached garage, workshop, swimming pools, fences and gazebos (3 Words) 23. is anything other than real property (3 Words) 24. Provides money for you and your family to live elsewhere when you cannot live in your home (3 Words) 25. if the insured fails to use reasonable means to protect the insured property from damage, the loss would not be covered.

Down 1. Coverage for losses to insured property resulting from fire or lighting, as well as any resulting smoke or water damage (2 Words) 2. damage to the home from flooding. (2 Words) 3. is designed to protect the physical assets owned, leased, rented or used by individuals and families. (2 Words) 5. located on the residence premises including any attached structures. (3 Words) 7. pays if you are struck by someone who does not have insurance. (3 Words) 11. the cause of a loss such as a fire, flood, theft and earthquake that can cause a loss of life to property and people. 13. offers the same protection as a homeowners policy. Roommates each must have their own renters insurance policy. (2 Words) 15. notice by the insured to the insurance company that a loss has occurred and demand for payment for the loss 16. a risk exists whenever there is uncertainty about the outcome 20. A hazard is a condition that makes a peril more likely to happen or that increases the seriousness of a loss