insure

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In Powerine II, the insuring agreement in the excess/umbrella policies provided coverage for both "damages" and "expenses.
Insuring your assets on 'actual cash value' allows you to reduce the limit of insurance to the depreciated value of the asset.
One possible explanation is that PMI companies, when insuring the risk of mortgages with high loan-to-value ratios, provide the best value for individuals with higher-incomes (but little wealth).