Home and car insurance crossword

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Across
  1. 2. A contract to join the risk sharing group
  2. 3. responsibility for an others loss
  3. 5. a fee for insurance
  4. 7. increase the chance at loss
Down
  1. 1. must pay per loss
  2. 2. anything that can cause a loss
  3. 4. Protects against losses financial
  4. 6. chance at loss