Household insurance policy: you pay money to an insurance company on a monthly basis, and if your house is damaged for whatever reason (weather, criminal damage, etc), they'll pay for it to be repaired. There are also car insurance policies, travel insurance policies, health insurance policies, and many other types. It is often said without the word "policy" on the end, just becoming "household insurance."
Legal Expenses Cover: A lot of insurance companies will provide you with legal assistance should you need it. They will pay for a lawyer, or any other legal costs that might be involved in an accident.
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