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Everyone needs insurance

SETH DUKES

Newsroom Coordinator


Insurance is something that every person will need at some point in their life. Whether you’re insuring a car, a home, or yourself, it’s important to understand why you need insurance and how it can keep you from getting into a very sticky situation.

What exactly is insurance, and how does it work? In the simplest terms, insurance is essentially a method of spreading out risk among many so that one person or entity doesn’t bear the brunt of a loss.

We, as a species, figured out that insurance was a good thing a long, long time ago. What looks to some like an insurance policy can be found in the Code of Hammurabi from the 18th century B.C. Even hunting in early civilizations can be viewed as a sort of insurance ­– the more people that are out there with you, the smaller the chance that