independents

3. card: Plastic payment method tied to your bank account (9 letters, starts with "D").
6. A loan to buy real estate (8 letters, starts with "H").
9. report: Document detailing the state of something (14 letters, starts with "I").
10. Person who owns and rents out property (8 letters, starts with "L").
11. Coverage for unforeseen events (9 letters, starts with "I").
12. Payment arrangement where you reserve an item (6 letters, starts with "L").
13. A communal pool of money for a specific purpose (5 letters, starts with "F").
14. Things not included in a list or coverage (10 letters, starts with "E").

1. costs: Expenses for setting up something new (16 letters, starts with "S").
2. Company providing insurance services (7 letters, starts with "I").
4. Person protected by an insurance policy (7 letters, starts with "I").
5. services: Programs that support the public (15 letters, starts with "C").
7. Government agency providing financial assistance (7 letters, starts with "C").
8. Things that are part of a list or coverage (10 letters, starts with "I").