\documentclass[10pt,a4paper]{article}

% Packages
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\usepackage{multicol}           % Allows multicols in tables
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\usepackage{seqsplit}           % Splits long words.
%\usepackage{opensans}          % Can't make this work so far. Shame. Would be lovely.
\usepackage[normalem]{ulem}     % For underlining links
% Most of the following are not required for the majority
% of cheat sheets but are needed for some symbol support.
\usepackage{amsmath}            % Symbols
\usepackage{MnSymbol}           % Symbols
\usepackage{wasysym}            % Symbols
%\usepackage[english,german,french,spanish,italian]{babel}              % Languages

% Document Info
\author{khanlamisa}
\pdfinfo{
  /Title (property-insurance.pdf)
  /Creator (Cheatography)
  /Author (khanlamisa)
  /Subject (Property Insurance Cheat Sheet)
}

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% This two commands together give roughly
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% Commands
\newcommand{\SetRowColor}[1]{\noalign{\gdef\RowColorName{#1}}\rowcolor{\RowColorName}} % Shortcut for row colour
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% Header and Footer
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\fancyhead{} % Set header to blank
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\fancyhead[L]{
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{C}
    \SetRowColor{DarkBackground}
    \vspace{-7pt}
    {\parbox{\dimexpr\textwidth-2\fboxsep\relax}{\noindent
        \hspace*{-6pt}\includegraphics[width=5.8cm]{/web/www.cheatography.com/public/images/cheatography_logo.pdf}}
    }
\end{tabulary}
\columnbreak
\begin{tabulary}{11cm}{L}
    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{Property Insurance Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{khanlamisa} via \textcolor{DarkBackground}{\uline{cheatography.com/124035/cs/26000/}}}
\end{tabulary}
\end{multicols}}

\fancyfoot[L]{ \footnotesize
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{LL}
  \SetRowColor{FootBackground}
  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}khanlamisa \\
  \uline{cheatography.com/khanlamisa} \\
  \end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 6th January, 2021.\\
   Updated 6th January, 2021.\\
   Page {\thepage} of \pageref{LastPage}.
\end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Sponsor}}  \\
  \SetRowColor{white}
  \vspace{-5pt}
  %\includegraphics[width=48px,height=48px]{dave.jpeg}
  Measure your website readability!\\
  www.readability-score.com
\end{tabulary}
\end{multicols}}




\begin{document}
\raggedright
\raggedcolumns

% Set font size to small. Switch to any value
% from this page to resize cheat sheet text:
% www.emerson.emory.edu/services/latex/latex_169.html
\footnotesize % Small font.

\begin{multicols*}{2}

\begin{tabularx}{8.4cm}{x{3.04 cm} x{4.96 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Terminology}}  \tn
% Row 0
\SetRowColor{LightBackground}
{\bf{property insurance}} & provides protection against most risks to property, such as fire, theft, and some weather damage \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
{\bf{monoline policy}} & a policy containing single coverage part plus the common policy conditions \& declarations \tn 
% Row Count 8 (+ 4)
% Row 2
\SetRowColor{LightBackground}
{\bf{package policy}} & insurance policy that combines coverage from 2 or more types of insurance (such as property and liability) into 1 policy \tn 
% Row Count 14 (+ 6)
% Row 3
\SetRowColor{white}
\{\{noshy\}\} {\bf{endorsement}} & clause in insurance policy detailing an exemption/change in coverage \tn 
% Row Count 17 (+ 3)
% Row 4
\SetRowColor{LightBackground}
{\bf{liability insurance}} & policy that covers civil liabilities to 3rd parties, arising from bodily injury, property damage, or other wrongs due to action or inaction of the insured \tn 
% Row Count 24 (+ 7)
% Row 5
\SetRowColor{white}
{\bf{actual cash value}} & a method of valuing insured property (includes any type of depreciation) \tn 
% Row Count 27 (+ 3)
% Row 6
\SetRowColor{LightBackground}
{\bf{replacement cost}} & normal cost of exact duplication of property as of certain date \tn 
% Row Count 30 (+ 3)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{8.4cm}{x{3.04 cm} x{4.96 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Terminology (cont)}}  \tn
% Row 7
\SetRowColor{LightBackground}
{\bf{insurance deductible}} & amt of expenses that must be paid out of pocket before insurer will pay any expenses \tn 
% Row Count 4 (+ 4)
% Row 8
\SetRowColor{white}
{\bf{umbrella policy}} & policy that covers amts above those covered under 1 or more other primary policies, and which does not pay until the losses exceed a certain sum; also called excess insurance \tn 
% Row Count 12 (+ 8)
% Row 9
\SetRowColor{LightBackground}
{\bf{commercial policy}} & covers bodily injury, property damage, physical injury, and advertising injury \tn 
% Row Count 16 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{p{0.8 cm} x{7.2 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{6 Basic Coverages}}  \tn
% Row 0
\SetRowColor{LightBackground}
A & Dwelling coverage \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
B & other structures coverage (10\% of A) \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
C & personal property coverage (70-75\% of A) \tn 
% Row Count 4 (+ 2)
% Row 3
\SetRowColor{white}
D & loss of use \tn 
% Row Count 5 (+ 1)
% Row 4
\SetRowColor{LightBackground}
E & personal liability coverage \tn 
% Row Count 6 (+ 1)
% Row 5
\SetRowColor{white}
F & medical payments coverage \tn 
% Row Count 7 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{1.36 cm} x{6.64 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Homeowner Policies and Tenant Policies in NY}}  \tn
% Row 0
\SetRowColor{LightBackground}
{\bf{HO-1}} & basic policy; standard insurance against perils \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
{\bf{HO-2}} & broad form policy \tn 
% Row Count 4 (+ 2)
% Row 2
\SetRowColor{LightBackground}
{\bf{HO-3}} & special form policy \tn 
% Row Count 6 (+ 2)
% Row 3
\SetRowColor{white}
{\bf{HO-5}} & comprehensive form \tn 
% Row Count 8 (+ 2)
% Row 4
\SetRowColor{LightBackground}
{\bf{HO-8}} & market value policy; w/cash value coverage \tn 
% Row Count 10 (+ 2)
% Row 5
\SetRowColor{white}
{\bf{HO-4}} & tenants or cooperative owners policies \tn 
% Row Count 12 (+ 2)
% Row 6
\SetRowColor{LightBackground}
{\bf{HO-6}} & condominium owners policies \tn 
% Row Count 14 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{8.4cm}}{HO-3 is most widely used and covers all forms of loss except those specifically excluded}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{8.4cm}}{\bf\textcolor{white}{Missed/Unsure Questions}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{8.4cm}}{Who may require you to obtain property insurance?} \tn 
\mymulticolumn{1}{x{8.4cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}mortgage lender} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{8.4cm}}{What type of insurance professional searches the open market to find the best policy for his client?} \tn 
\mymulticolumn{1}{x{8.4cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}independent broker} \tn 
% Row Count 5 (+ 3)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{8.4cm}}{Which is the main coverage in any homeowner's policy?} \tn 
\mymulticolumn{1}{x{8.4cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}dwelling coverage} \tn 
% Row Count 8 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}


% That's all folks
\end{multicols*}

\end{document}