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Meet Jimmy. He is 6 years old and in 

kindergarten. Today he came home from school 

and asked his mom what would happen to their 

house if a huge storm came and ruined the 

whole thing.

His mom told him if that happened, their 

house would be covered by insurance. 

Jimmy looked confused and his mom 

started to explain what insurance is. 

The first step in getting insurance is buying 

a policy. A policy is writing that says 

exactly what you're paying for. 

When something bad happens, you have to 

file a claim. What is a claim? A claim is 

asking your company to help pay for the 

accident that happened.  

There are lots of different types 

of insurance! The first kind is 

house 

insurance. This insurance will

 cover damage to our house 

and things inside of it. So, Jimmy, 

if your favorite blanket gets 

ruined by the accident, our 

insurance can give us money to 

get you a new one.  

Now, Jimmy, I know you're clumsy...but 

we have insurance that can cover that too! 

That insurance is called health insurance. It 

gives us money to pay for injuries or when 

you're sick. 

One of the most important kinds of 

insurance is auto insurance. This protects 

people when they get in car accidents and 

get hurts. Even though you're allowed to 

decide if you want car insurance or not, it 

is a law to have a certain kind of insurance 

that is called liability insurance. 

Liability insurance is important when you 

get in an accident. It protects pedestrians, 

other cars, or passengers in your car when 

you damage them. 

What happens if someone hits you and 

they don't have insurance? Don't worry. 

Your insurance policy will pay the money 

that the person who hit you can't pay. 

Buying medical expense coverage when 

you start driving is important too. It covers 

injuries that happen from automobile 

accidents. So if you hurt yourself, you're 

covered by this. 

People get hurt from things

other than car accidents also.

If you fall from the swing and

break your arm, then what 

happens? There is insurance 

for that too!

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