The second reason for having homeowner's insurance, he said, is that the insurance typically provides liability coverage.

This limits potential clients to those families with sufficient personal income to afford such help, as insurance would not generally provide reimbursement for these services.

This time, people have donated sound systems for use until insurance provides money for most of what's been lost.

Consumer groups say the insurance is expensive and provides limited benefits.

"But its main purpose is to expand Medicaid recipients' access to the kind of health services that private insurance provides to most people."

The project will probably mean a major fund-raising drive, because insurance will provide only $360,000.

Does your medical insurance provide for hearing aids?

This insurance either provides care services or cash benefits to pay for a private caregiver, such as a family member.

Such insurance, he said, provides coverage for what it will cost to live elsewhere while the insured property is being repaired or rebuilt.

Such insurance provides coverage for injuries sustained by third parties while they are on the property.