Insurance

Welcome to Insurance.

1. Health Insurance

• Covers medical expenses, including doctor visits, hospital stays, surgeries, prescription drugs, and preventive care.

2. Life Insurance

• Pays a lump sum to beneficiaries upon the insured person’s death. It helps provide financial support for dependents.
  • Term Life Insurance: Coverage for a set period (e.g., 10, 20, or 30 years).
  • Whole Life Insurance: Permanent coverage with a savings or investment component.
  • Universal Life Insurance: Flexible coverage with the ability to adjust premiums and death benefits.

3. Auto Insurance

• Protects against financial loss in case of accidents or damage involving your vehicle. It often includes liability, collision, and comprehensive coverage.
  • Liability: Covers injuries and damages to others.
  • Collision: Covers damages to your vehicle.
  • Comprehensive: Covers non-collision-related incidents like theft or weather damage.

4. Homeowners Insurance

• Covers damages to your home and personal property due to events like fire, theft, or natural disasters. It may also cover liability if someone is injured on your property.

5. Renters Insurance

• Provides protection for personal belongings in a rental property and covers liability for injuries or damages that happen in the rented space.

6. Disability Insurance

• Provides income replacement if you’re unable to work due to illness or injury. This can be short-term or long-term coverage.

7. Travel Insurance

• Covers financial losses related to travel, including trip cancellations, medical emergencies, lost luggage, or delays.

8. Business Insurance

• Protects businesses from financial loss, including:
  • General Liability Insurance: Covers injuries or damages caused by business operations.
  • Property Insurance: Protects physical assets like buildings and equipment.
  • Workers’ Compensation Insurance: Covers medical expenses and lost wages for employees injured on the job.

9. Long-Term Care Insurance

• Helps cover the costs of long-term care services such as nursing homes or home health care when someone is no longer able to care for themselves due to aging, illness, or disability.

10. Pet Insurance

• Covers veterinary expenses for pets, including accidents, illnesses, and sometimes preventive care.

11. Umbrella Insurance

• Provides extra liability coverage beyond the limits of your other insurance policies (e.g., auto or homeowners insurance).

12. Flood Insurance

• Specifically covers damage caused by flooding, which is often excluded from standard homeowners insurance.

13. Mortgage Insurance

• Required by lenders if you put down less than 20% on your home. It protects the lender in case you default on the loan.