Insurance Categories
You can find insurance rates on a vast selection of policies through our site. Here is an overview of the major types of insurance.
Auto Insurance
Auto insurance protects you from losses in the event you are involved in an accident or another disaster befalls your vehicle. Auto policies can also offer coverage that pays for the medical expenses of you and your passengers in the event of a collision. If you're shopping for auto insurance rates, remember that most states require certain amounts of bodily injury liability and property damage coverage.
Health Insurance
If you are a student, retired, self-employed, or between jobs, you might need to compare health insurance rates. Health insurance coverage can range from very inclusive, covering things like preventive care and prescription drugs, to minimal, covering only catastrophic illnesses and injuries. HMO, PPO, POS, and indemnity policies are the most popular options.
Property Insurance
Property insurance rates might apply to either homes or apartments, depending on the nature of the policy. These policies provide protection against losses resulting from damage to the policyholder's dwelling or belongings. Property insurance also usually contains liability protection.
Life Insurance
Life insurance rates have gotten cheaper over the last few decades, as life expectancies continue to lengthen. A life insurance policy provides your survivors with a death benefit after you pass away. The proceeds of the policy help your loved ones maintain the same standard of living they enjoyed before you died.
Business Insurance
Without business insurance, a single disaster could obliterate an enterprise's profits and possibly ruin the business altogether. The business insurance rates you will see likely include property damage coverage, liability protection, and business interruption insurance. Business interruption insurance covers income losses that result from a catastrophe that disrupts the normal functions of the business.
Long-Term Care Insurance
Long-term care insurance picks up where health insurance leaves off. This type of coverage provides for day-to-day care for policyholders that require assistance with the activities of daily living, such as dressing, bathing, eating, etc. A policyholder might need this assistance due to advanced age, injury, or mental or physical illness. Learn questions to ask when deciding on an insurer on the next page.