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In insurance difference between geographical limits, territorial limits, trading limits and situation of risk?

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In insurance difference between geographical limits, territorial limits, trading limits and situation of risk?

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  1. Insurance is greatly affected by geographical locations of the people being insured.  For example, insurance companies have to make sure they collect more in premiums in Florida (hurricane area), than in, say, Nevada.  It's a factor for sure in home insurance and car insurance, not so much in life insurance or health insurance.

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