| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | car insurance | Sweden | Common for insurance to include protection against car theft in snowy, cold regions | 1 |
| 2 | car insurance | Sweden | Not a common concern, more focus on protection from snow and ice-related damages | 1 |
| 3 | home insurance | Sweden | Popular due to high value of personal belongings and harsh winter weather | 1 |
| 4 | vehicle insurance | Sweden | Insurance costs are relatively high due to harsh weather conditions and road conditions | 1 |