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To do so , talk with a qualifies life insurance agent or financial advisor . In addition to coverage for named perils , each package policy usually contains four additional types of coverage : property damage , additional living expenses , personal liability and medical payments . The NAIC 's primary instruments of public policy are model laws , regulations and guidelines . And it 's strategically located near the Chinese border , close to its ultimate markets . In most cases , a community is an incorporated city , town , township , borough , or village or an unincorporated area of a county or parish .