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One of the many aspects that I love about covering the P&C industry is that it touches just about everyone—anyone, that is, who owns a car or a home, which covers a vast percentage of America.

But not quite everyone has purchased P&C insurance—including, for example, your NU editor-in-chief. As a New Yorker, I have no need to own a car. And I rent in an apartment building that doesn’t require its residents to have insurance.

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