{"id":1073,"date":"2026-04-23T15:28:06","date_gmt":"2026-04-23T19:28:06","guid":{"rendered":"https:\/\/www.courtika.com\/?post_type=insurance&#038;p=1073"},"modified":"2026-07-13T17:44:35","modified_gmt":"2026-07-13T21:44:35","slug":"restaurant-and-hospitality","status":"publish","type":"insurance","link":"https:\/\/www.courtika.com\/en\/our-products\/business-insurance\/restaurant-hotel-insurance\/","title":{"rendered":"Restaurant and hospitality insurance"},"content":{"rendered":"\t\t<header class=\"media-text-image-a section-block light-theme with-background is-reverse\" data-scroll-section>\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"row row-main\">\n\t\t\t\t\t<div class=\"col-lg-7 col-content light-theme\">\n\t\t\t\t\t\t<div class=\"content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"upper-title-1\">Our expertise<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<h1 class=\"title-3\">Supporting your operations, from service to closing time<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Restaurants and hospitality businesses face very specific risks: variable customer traffic, specialized equipment, and liability toward customers and staff. Courtika supports businesses in the sector with restaurant and hospitality insurance solutions tailored to their operations.<\/p>\n<p>As your broker, we analyze your situation to offer consistent, clear coverage aligned with your industry&#8217;s requirements.<\/p>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btns\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.courtika.com\/en\/about\/why-choose-courtika\/\"\n\t\t\t\tclass=\"button button-primary reverse\"\n\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t<div class=\"icon\">\n\t\t\t\t\t\t<i class=\"material-symbols-outlined\" aria-hidden=\"true\">arrow_forward<\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<span class=\"button-mask\">\n\t\t\t\t\t<span class=\"mask-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tWhy choose Courtika\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span aria-hidden=\"true\" class=\"mask-extra-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tWhy choose Courtika\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-lg-5 col-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"3333\" height=\"3333\" src=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1.jpg\" class=\"image\" alt=\"\" sizes=\"auto\" srcset=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1.jpg 3333w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-300x300.jpg 300w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-1024x1024.jpg 1024w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-150x150.jpg 150w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-768x768.jpg 768w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-1536x1536.jpg 1536w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-2048x2048.jpg 2048w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-96x96.jpg 96w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-80x80.jpg 80w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-186x186.jpg 186w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-206x206.jpg 206w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-238x238.jpg 238w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-275x275.jpg 275w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-428x428.jpg 428w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-550x550.jpg 550w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-580x580.jpg 580w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-780x780.jpg 780w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-885x885.jpg 885w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-900x900.jpg 900w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-960x960.jpg 960w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-1160x1160.jpg 1160w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-1280x1280.jpg 1280w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-1366x1366.jpg 1366w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-1440x1440.jpg 1440w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-1600x1600.jpg 1600w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-1920x1920.jpg 1920w\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/header>\n\t\n\n\t\t<section class=\"list-text-drawer-a section-block light-theme\" data-scroll-section>\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"row row-main\">\n\t\t\t\t\t<div class=\"col-lg-4 col-left\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"title-3\">Essential coverage<\/h2>\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t<p>This coverage protects the basics and the most common risks, providing protection suited to everyday situations.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-lg-7 offset-lg-1 right-column\">\n\t\t\t\t\t\t\t<div class=\"open-collapse-container\" data-collapser-module=\"default\">\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"2e6d9786dc652c663b56c7146dc398dc0\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-2e6d9786dc652c663b56c7146dc398dc0\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Property insurance<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-2e6d9786dc652c663b56c7146dc398dc0\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Protects the building, leasehold improvements, equipment and contents against losses caused by covered claims.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"9ab7b7a43255d5447da0fbaacabcf1be1\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-9ab7b7a43255d5447da0fbaacabcf1be1\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">General liability<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-9ab7b7a43255d5447da0fbaacabcf1be1\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Covers bodily injury or property damage caused to customers or third parties during restaurant operations.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\n\n\t\t<section class=\"list-text-drawer-a section-block light-theme\" data-scroll-section>\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"row row-main\">\n\t\t\t\t\t<div class=\"col-lg-4 col-left\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"title-3\">Recommended coverage<\/h2>\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t<p>Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-lg-7 offset-lg-1 right-column\">\n\t\t\t\t\t\t\t<div class=\"open-collapse-container\" data-collapser-module=\"default\">\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"260c1b849e54787d371a7266eedf2e8f0\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-260c1b849e54787d371a7266eedf2e8f0\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Equipment breakdown<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-260c1b849e54787d371a7266eedf2e8f0\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Compensates for sudden and accidental damage to essential equipment, such as ovens, refrigerators or refrigeration systems.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"11c3c311b0dd50dc927ddba6c4559b1c1\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-11c3c311b0dd50dc927ddba6c4559b1c1\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Sewer backup and water damage<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-11c3c311b0dd50dc927ddba6c4559b1c1\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Protects against damage caused by sewer backup or water infiltration not covered by basic coverage.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"4652e7667f5ec3537ac8ebc1c8e1111a2\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-4652e7667f5ec3537ac8ebc1c8e1111a2\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Business interruption<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-4652e7667f5ec3537ac8ebc1c8e1111a2\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Compensates for lost income and certain fixed expenses when a claim forces the temporary closure of the restaurant.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\n\n\t\t<section class=\"group-icons section-block light-theme is-slider\" data-scroll-section>\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"row row-main\">\n\t\t\t\t\t<div class=\"col-lg-5 col-md-6\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h2 class=\"title-3\">Additional coverage<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>These additional coverage options allow you to adjust your coverage based on more specific needs or particular situations.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-lg-3 offset-lg-4 col-btns\">\n\t\t\t\t\t\t\t<div class=\"btns\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.courtika.com\/en\/contact-us\/\"\n\t\t\t\tclass=\"button button-primary reverse\"\n\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t<div class=\"icon\">\n\t\t\t\t\t\t<i class=\"material-symbols-outlined\" aria-hidden=\"true\">arrow_forward<\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<span class=\"button-mask\">\n\t\t\t\t\t<span class=\"mask-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tTalk to a broker\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span aria-hidden=\"true\" class=\"mask-extra-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTalk to a broker\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12\">\n\t\t\t\t\t\t\t<div class=\"content-wrapper\">\n\t\t\t\t\t\t\t\t<div class=\"content\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"splide slider\" data-splide-slider data-splide=\"{&quot;type&quot;:&quot;slide&quot;,&quot;drag&quot;:&quot;free&quot;,&quot;perPage&quot;:3,&quot;snap&quot;:false,&quot;omitEnd&quot;:true,&quot;pagination&quot;:true,&quot;breakpoints&quot;:{&quot;991&quot;:{&quot;perPage&quot;:2},&quot;767&quot;:{&quot;perPage&quot;:1}}}\" style=\"--slider-total-slide: 2\">\n\t\t\t<div class=\"splide__track slider-track dark-theme\">\n\t\t\t\t<div class=\"splide__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n<article class=\"slide-wrapper splide__slide\">\n\t<div class=\"tile  \">\n\t\t<div class=\"tile-content\">\n\t\t\t\t\t\t\t<div class=\"top\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<svg width=\"48\" height=\"48\" viewBox=\"0 0 48 48\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M24 44C21.2333 44 18.6333 43.475 16.2 42.425C13.7667 41.375 11.65 39.95 9.85 38.15C8.05 36.35 6.625 34.2333 5.575 31.8C4.525 29.3667 4 26.7667 4 24C4 21.2333 4.525 18.6333 5.575 16.2C6.625 13.7667 8.05 11.65 9.85 9.85C11.65 8.05 13.7667 6.625 16.2 5.575C18.6333 4.525 21.2333 4 24 4C26.1667 4 28.2167 4.31667 30.15 4.95C32.0833 5.58333 33.8667 6.46667 35.5 7.6L32.6 10.55C31.3333 9.75 29.9833 9.125 28.55 8.675C27.1167 8.225 25.6 8 24 8C19.5667 8 15.7917 9.55833 12.675 12.675C9.55833 15.7917 8 19.5667 8 24C8 28.4333 9.55833 32.2083 12.675 35.325C15.7917 38.4417 19.5667 40 24 40C25.0667 40 26.1 39.9 27.1 39.7C28.1 39.5 29.0667 39.2167 30 38.85L33 41.9C31.6333 42.5667 30.2 43.0833 28.7 43.45C27.2 43.8167 25.6333 44 24 44ZM38 40V34H32V30H38V24H42V30H48V34H42V40H38ZM21.2 33.2L12.7 24.7L15.5 21.9L21.2 27.6L41.2 7.55L44 10.35L21.2 33.2Z\" fill=\"#2897D5\"\/>\n<\/svg>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title title-5\">Food spoilage<\/h3>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"bottom\">\n\t\t\t\t\t<p>Covers the loss of food products following equipment breakdown, power outage or a covered claim.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n<article class=\"slide-wrapper splide__slide\">\n\t<div class=\"tile  \">\n\t\t<div class=\"tile-content\">\n\t\t\t\t\t\t\t<div class=\"top\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<svg width=\"48\" height=\"48\" viewBox=\"0 0 48 48\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M24 44C21.2333 44 18.6333 43.475 16.2 42.425C13.7667 41.375 11.65 39.95 9.85 38.15C8.05 36.35 6.625 34.2333 5.575 31.8C4.525 29.3667 4 26.7667 4 24C4 21.2333 4.525 18.6333 5.575 16.2C6.625 13.7667 8.05 11.65 9.85 9.85C11.65 8.05 13.7667 6.625 16.2 5.575C18.6333 4.525 21.2333 4 24 4C26.1667 4 28.2167 4.31667 30.15 4.95C32.0833 5.58333 33.8667 6.46667 35.5 7.6L32.6 10.55C31.3333 9.75 29.9833 9.125 28.55 8.675C27.1167 8.225 25.6 8 24 8C19.5667 8 15.7917 9.55833 12.675 12.675C9.55833 15.7917 8 19.5667 8 24C8 28.4333 9.55833 32.2083 12.675 35.325C15.7917 38.4417 19.5667 40 24 40C25.0667 40 26.1 39.9 27.1 39.7C28.1 39.5 29.0667 39.2167 30 38.85L33 41.9C31.6333 42.5667 30.2 43.0833 28.7 43.45C27.2 43.8167 25.6333 44 24 44ZM38 40V34H32V30H38V24H42V30H48V34H42V40H38ZM21.2 33.2L12.7 24.7L15.5 21.9L21.2 27.6L41.2 7.55L44 10.35L21.2 33.2Z\" fill=\"#2897D5\"\/>\n<\/svg>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title title-5\">Employee theft<\/h3>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"bottom\">\n\t\t\t\t\t<p>Covers financial losses caused by dishonest or fraudulent acts committed by employees.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n<div class=\"slider-navigation\">\n\t\t\t<div class=\"splide__arrows slider-arrows\">\n\t\t\t\t\t\t<button class=\"button button-primary button-icon button-icon splide__arrow splide__arrow--prev slider-arrow arrow-prev\" >\n\t\t\t\t\t\t\t\t<span class=\"button-mask\">\n\t\t\t\t\t<span class=\"mask-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"material-symbols-outlined\" aria-hidden=\"true\">arrow_back<\/i>\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span aria-hidden=\"true\" class=\"mask-extra-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"material-symbols-outlined\" aria-hidden=\"true\">arrow_back<\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<button class=\"button button-primary button-icon button-icon splide__arrow splide__arrow--next slider-arrow arrow-next\" >\n\t\t\t\t\t\t\t\t<span class=\"button-mask\">\n\t\t\t\t\t<span class=\"mask-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"material-symbols-outlined\" aria-hidden=\"true\">arrow_forward<\/i>\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span aria-hidden=\"true\" class=\"mask-extra-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"material-symbols-outlined\" aria-hidden=\"true\">arrow_forward<\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<ul class=\"splide__pagination slider-pagination slider-pagination-line\"><\/ul>\n\t<\/div>\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\n\n\t<div class=\"list-faq-a section-block with-background dark-theme\" data-scroll-section>\n\t\t<div class=\"container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row row-main\">\n\t\t\t\t\t\t<div class=\"col-lg-3 col-left light-theme\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"title-4\">Frequently asked questions<\/h2>\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t\t<p>The world of insurance can raise many questions. That is why we have gathered clear, accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btns\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.courtika.com\/en\/faq\/\"\n\t\t\t\tclass=\"button button-primary reverse\"\n\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t<div class=\"icon\">\n\t\t\t\t\t\t<i class=\"material-symbols-outlined\" aria-hidden=\"true\">arrow_forward<\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<span class=\"button-mask\">\n\t\t\t\t\t<span class=\"mask-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tView our full FAQ\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span aria-hidden=\"true\" class=\"mask-extra-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tView our full FAQ\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-lg-8 offset-lg-1 right-column light-theme\">\n\t\t\t\t\t\t\t\t<div class=\"open-collapse-container\" data-collapser-module=\"default\">\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"736f52a5467f661c23cf5991464dbab90\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-736f52a5467f661c23cf5991464dbab90\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Am I covered if my fridge breaks down and I lose my inventory?<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-736f52a5467f661c23cf5991464dbab90\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Yes. With equipment breakdown coverage and food spoilage protection, losses caused by equipment failure can be compensated.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"29afecd64ad3b6c4fdcdbab6978b27c61\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-29afecd64ad3b6c4fdcdbab6978b27c61\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What happens if I have to temporarily close due to a claim?<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-29afecd64ad3b6c4fdcdbab6978b27c61\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Business interruption coverage can compensate for lost income and help pay certain fixed expenses during the closure period.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t<script type=\"application\/ld+json\">{\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Am I covered if my fridge breaks down and I lose my inventory?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"<p>Yes. With equipment breakdown coverage and food spoilage protection, losses caused by equipment failure can be compensated.<\/p>\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"What happens if I have to temporarily close due to a claim?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"<p>Business interruption coverage can compensate for lost income and help pay certain fixed expenses during the closure period.<\/p>\"\n            }\n        }\n    ]\n}<\/script>\t\t<\/div>\n\t<\/div>\n\n\n\n\t\t<section class=\"article-related-a section-block light-theme\" data-scroll-section>\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"row row-main\">\n\t\t\t\t\t<div class=\"col-lg-12 col-title\">\n\t\t\t\t\t\t<div class=\"section-title\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<h2 class=\"title-3\">Expert advice<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t\t<p>Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btns\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.courtika.com\/en\/expert-advices\/\"\n\t\t\t\tclass=\"button button-primary reverse\"\n\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t<div class=\"icon\">\n\t\t\t\t\t\t<i class=\"material-symbols-outlined\" aria-hidden=\"true\">arrow_forward<\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<span class=\"button-mask\">\n\t\t\t\t\t<span class=\"mask-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tSee more tips\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span aria-hidden=\"true\" class=\"mask-extra-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tSee more tips\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 slider\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"splide slider hide-nav\" data-splide-slider data-splide=\"{&quot;type&quot;:&quot;slide&quot;,&quot;perPage&quot;:3,&quot;omitEnd&quot;:true,&quot;breakpoints&quot;:{&quot;1199&quot;:{&quot;perPage&quot;:3},&quot;991&quot;:{&quot;perPage&quot;:2},&quot;767&quot;:{&quot;perPage&quot;:1}}}\">\n\t\t\t<div class=\"splide__track slider-track\">\n\t\t\t\t<div class=\"splide__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<article class=\"slide-wrapper splide__slide\">\n\t\t\t<a class=\"link-overlay\" href=\"https:\/\/www.courtika.com\/en\/buying-your-first-home-what-home-insurance-coverage-do-you-need\/\"  aria-label=\"Buying Your First Home: What Home Insurance Coverage Do You Need?\"><span class=\"sr-only\">Buying Your First Home: What Home Insurance Coverage Do You Need?<\/span><\/a>\n\t\t<div class=\"tile\">\n\t\t<div class=\"tile-content\">\n\t\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"1024\" height=\"683\" src=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1024x683.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1024x683.jpg 1024w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-300x200.jpg 300w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-768x512.jpg 768w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1536x1024.jpg 1536w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-2048x1365.jpg 2048w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-96x64.jpg 96w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-80x53.jpg 80w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-186x124.jpg 186w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-206x137.jpg 206w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-238x159.jpg 238w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-275x183.jpg 275w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-428x285.jpg 428w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-550x367.jpg 550w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-580x387.jpg 580w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-780x520.jpg 780w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-885x590.jpg 885w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-900x600.jpg 900w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-960x640.jpg 960w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1160x773.jpg 1160w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1280x853.jpg 1280w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1366x911.jpg 1366w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1440x960.jpg 1440w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1600x1067.jpg 1600w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1920x1280.jpg 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t<span class=\"upper-title-1\">Housing<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title title-first-card title-6\">Buying Your First Home: What Home Insurance Coverage Do You Need?<\/h3>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<article class=\"slide-wrapper splide__slide\">\n\t\t\t<a class=\"link-overlay\" href=\"https:\/\/www.courtika.com\/en\/6-good-driving-habits-to-adopt\/\"  aria-label=\"6 Good Driving Habits to Adopt\"><span class=\"sr-only\">6 Good Driving Habits to Adopt<\/span><\/a>\n\t\t<div class=\"tile\">\n\t\t<div class=\"tile-content\">\n\t\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"1024\" height=\"685\" src=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1024x685.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1024x685.jpg 1024w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-300x201.jpg 300w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-768x514.jpg 768w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1536x1028.jpg 1536w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-2048x1371.jpg 2048w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-96x64.jpg 96w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-80x54.jpg 80w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-186x125.jpg 186w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-206x138.jpg 206w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-238x159.jpg 238w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-275x184.jpg 275w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-428x287.jpg 428w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-550x368.jpg 550w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-580x388.jpg 580w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-780x522.jpg 780w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-885x592.jpg 885w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-900x602.jpg 900w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-960x643.jpg 960w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1160x777.jpg 1160w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1280x857.jpg 1280w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1366x914.jpg 1366w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1440x964.jpg 1440w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1600x1071.jpg 1600w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1920x1285.jpg 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t<span class=\"upper-title-1\">Vehicle<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title title-first-card title-6\">6 Good Driving Habits to Adopt<\/h3>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<article class=\"slide-wrapper splide__slide\">\n\t\t\t<a class=\"link-overlay\" href=\"https:\/\/www.courtika.com\/en\/how-is-your-home-insurance-premium-calculated\/\"  aria-label=\"How Is Your Home Insurance Premium Calculated?\"><span class=\"sr-only\">How Is Your Home Insurance Premium Calculated?<\/span><\/a>\n\t\t<div class=\"tile\">\n\t\t<div class=\"tile-content\">\n\t\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"1024\" height=\"787\" src=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1024x787.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1024x787.jpg 1024w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-300x231.jpg 300w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-768x590.jpg 768w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1536x1181.jpg 1536w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-2048x1574.jpg 2048w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-96x74.jpg 96w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-80x62.jpg 80w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-186x143.jpg 186w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-206x158.jpg 206w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-238x183.jpg 238w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-275x211.jpg 275w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-428x329.jpg 428w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-550x423.jpg 550w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-580x446.jpg 580w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-780x600.jpg 780w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-885x680.jpg 885w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-900x692.jpg 900w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-960x738.jpg 960w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1160x892.jpg 1160w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1280x984.jpg 1280w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1366x1050.jpg 1366w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1440x1107.jpg 1440w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1600x1230.jpg 1600w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1920x1476.jpg 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t<span class=\"upper-title-1\">Housing<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title title-first-card title-6\">How Is Your Home Insurance Premium Calculated?<\/h3>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n<div class=\"slider-navigation\">\n\t\t\t<div class=\"splide__arrows slider-arrows\">\n\t\t\t\t\t\t<button class=\"button button-primary 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