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What are the risks of being underinsured or uninsured?

We've all heard stories about insurance claims not being paid out based on a technicality or some minor detail, and it always seems to be at the worst time in someone's life. An unexpected disaster resulting in injury or damage to your property can be stressful at the best of times, but imagine not being insured enough to cover the cost of the most basic of repairs let alone sufficient to rebuild if required.

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