Plan Overview
Understand the major types of U.S. insurance coverage, what each plan protects, and how to evaluate whether it fits your needs.
Auto insurance protects you financially when you are involved in an accident or your vehicle is damaged. Most U.S. states require minimum liability coverage, but responsible drivers often carry more.
Pays for bodily injury and property damage you cause to others. Split into per-person and per-accident limits.
Collision covers damage to your car from accidents. Comprehensive covers theft, vandalism, weather, and animal strikes.
Protects you when the at-fault driver has insufficient or no insurance—a critical layer in many states.
Covers medical expenses for you and passengers regardless of fault. Required in no-fault states as Personal Injury Protection.
Whether you own or rent, property insurance shields your belongings and protects you from liability claims arising on your premises.
Covers the structure of your home against covered perils. Verify whether your policy uses replacement cost or actual cash value.
Protects furniture, electronics, clothing, and other belongings. Renters policies focus primarily on this component.
Covers legal and medical costs if someone is injured on your property or you accidentally damage another person's property.
Pays for temporary housing and related costs if your home becomes uninhabitable due to a covered loss.
Life insurance provides a death benefit to your beneficiaries, helping replace income, cover debts, and fund future needs like education.
Provides coverage for a set period—commonly 10, 20, or 30 years. Premiums are typically lower, making it suitable for income replacement during working years.
Includes whole life and universal life policies that remain in force for your lifetime, often building cash value over time.
Health insurance helps manage the cost of medical care through a combination of premiums, deductibles, copayments, and coinsurance.
Group plans offered through your employer, often with shared premium costs and established provider networks.
Individual and family plans available through state or federal exchanges, with potential subsidies based on income.
Federal health coverage for eligible individuals age 65 and older, with Parts A, B, C, and D covering different services.
Dental, vision, critical illness, and hospital indemnity plans that fill gaps left by primary health coverage.
Commercial insurance protects your business assets, employees, and operations from lawsuits, property damage, and operational interruptions.
Third-party bodily injury, property damage, and personal injury claims.
Errors and omissions coverage for service-based businesses and consultants.
Medical costs and lost wages for work-related employee injuries—required in most states.
Buildings, equipment, inventory, and business personal property.
Lost income and operating expenses during covered shutdowns.
Data breaches, notification costs, and related legal exposures for digital operations.
Our coverage guides walk you through selection criteria for each insurance type based on your personal or business situation.
View Coverage Guides