The top 7 startups from Y Combinator Winter ’16 Demo Day 1

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Signing up for insurance can be a hassle, but with Cover, you just take a photo of your car, home, pet, jewelry, speedboat or race horses. Right now, Cover farms out these leads to other insurance companies and is collecting $190,000 per month in referrals fees. But next it’s getting licensed to sell insurance directly so it can keep all the commissions, which amount to a $22 billion per year market in the U.S.

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