题文
Buying insurance (保险) is a way in which people can protect themselves against large losses. Protection against fire is one kind of insurance. Large numbers of people pay small sums of money to an insurance company. Although thousands of people have paid for fire insurance, only a few will lose their homes by fire. The insurance company will pay for these homes out of the small sums of money it has collected.The first modern fire insurance company was formed in London, England, in the 1760s. A great fire had just destroyed most of the city, and people wanted protection against further losses. The first company grew rapidly. Soon other companies were founded in other areas.
Benjamin Franklin helped form the first fire insurance company in America in 1752, and then a new kind of insurance for farmers was suggested. The new insurance would provide protection against the loss of crops from storms.
Later on another new insurance company was started in America. This company, which offered life insurance, collected small sums of money regularly from many different men. If a man died, his family was given a large sum of money.
Over the years, insurance companies have offered new kinds of insurance protection. The new kinds of insurance cover losses from such accidents as car and plane crashes. Today, most people have some kind of insurance.
小题1:Who helped set up the first company in America? A．Benjamin Franklin. B．Businessmen. C．The first insurance company in London. D．Farmers.小题2:Insurance means ____. A．Protection against the losses from the storms B．protection against illness C．Protection against accidents D．all of the above小题3:The first modern insurance company offered ____. A．life insurance B．fire insurance C．a new kind of insuranceD．both A and B小题4:Why do most people buy some kind of insurance today? A．Insurance will keep their homes from burning. B．People can protect themselves against large losses. C．Insurance will pay for safety.D．The insurance companies grow rapidly. 题型：未知难度：其他题型
答案
小题1:A
小题2:D
小题3:B
小题4:B
解析
本文主要介绍了保险业的诞生发展以及人们买保险的原因。现在有很多人买保险的原因是在遇到巨大损失时，有保障。
小题1:细节题，根据Benjamin Franklin helped form the first fire insurance company in America in 1752, and then a new kind of insurance for farmers was suggested.可知在美国，本杰明.富兰克林帮助建立了第一个公司， 故选A。
小题2:细节题，根据Buying insurance (保险) is a way in which people can protect themselves against large losses.以及全文内容，可知保险可以保障人们暴风雨造成的损失，疾病的赔偿以及事故的赔偿，故选D。
小题3:细节题。根据The first modern fire insurance company was formed in London, England, in the 1760s.可知现代第一个保险公司提供火灾保险。故选B。
小题4:细节题。根据Buying insurance (保险) is a way in which people can protect themselves against large losses.可知现在有很多人买保险的原因是在遇到巨大损失时，有保障。故选B 。
考点
据考高分专家说，试题“Buying insurance (保险.....”主要考查你对 [日常生活类阅读 ]考点的理解。日常生活类阅读
日常生活类阅读的概念：
日常生活这一话题主要涉及人们衣食住行等方面的活动。这一话题的选材主要针对人们日常的工作，生活以及学习情况。做这一类题时，最主要的是要把握好人物的活动内容，时间和地点。
日常生活类阅读题答题技巧：
【题型说明】
该类文章内容涉及到人们的言谈举止、生活习惯、饮食起居、服饰仪表、恋爱婚姻、消遣娱乐、节日起源、家庭生活等。文章篇幅短小，追根溯源，探索各项风俗的历史渊源，内容有趣。命题也以送分题为主，如事实细节题、语义转换题、词义猜测题和简单推理判断题等。虽然这类文章读起来感觉轻松，试题做起来比较顺手，但绝不能掉以轻心。因为稍不留神，就会丢分。
【备考提醒】
为了保证较高准确率，建议同学们做好以下几点：
1、保持正常的考试心态。笔者在教学中发现，越是容易的试题，同学们越是容易失分。为什么呢？因为在这种情况下，同学们极易产生麻痹思想，认为题目好做，就不引起高度重视，于是思维不发散、不周密。而命题人就是利用同学们的这一弱点，设计陷阱题。所以，无论试题难易与否，我们都要保持正常的考试心态。试题容易，不欣喜；试题难，不悲观。
2、根据前面讲到的方法，认认真真、细细心心做好事实细节题。
3、做好语义转换题。这类题是根据英语中一词多义和某些词语在文中能表达一定的修辞意义的原则而设计的。要求同学们解释某生词的含义，确定多义词或短语在文中的意思，确认文中的某个代词所指代的对象，或者对英语中特有的表达、格言、谚语进行解释。这种题要求同学们一定要根据上下文猜测词义或理解句子，切不可望文生义。
4、做好简单推理判断题。简单推理判断题要以表面文字为前提，以具体事实为依据进行推理，做出判断。这种推理方式比较直接，只要弄清事实，即可结合常识推断出合理的结论。
