The foundation of auto insurance policies is liability insurance. It pays others when you’re at fault for damage to their cars or property, or injuring them in a car accident.
Liability insurance also covers legal fees for defending you in a liability lawsuit. Paying your defense costs benefits both you and your insurance company. You get legal fees paid for, and the insurer makes sure you’re not defending yourself and losing a case that they have to pay a settlement for.
Collision and Comprehensive Insurance
Two other important components of a good auto insurance policy are collision and comprehensive insurance.
Collision coverage pays for your vehicle’s damage if you hit an object or another car.
Comprehensive insurance pays for non-crash damage, such as weather and fire damage. It also pays for car theft and damage from collisions with animals.
Collision and comprehensive car insurance are often sold together as a package by auto insurers.
If you buy a policy with liability, collision and comprehensive coverage, it is often referred to as full coverage car insurance.
Optional Benefits Of Car Insurance
Personal Accident Coverage
Protect Your No- Claims Discount
What Is Homeowners Insurance?
Homeowners insurance is a form of property insurance that covers losses and damages to an individual's residence, along with furnishings and other assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.
Homeowners insurance is a form of property insurance that covers losses and damages to an individual's house and assets in the home.
The policy usually covers interior damage, exterior damage, loss or damage of personal assets, and injury that arises while on the property.
Every homeowners insurance policy has a liability limit, which determines the amount of coverage the insured has should an unfortunate incident occur.
Homeowners insurance should not be confused with a home warranty or with mortgage insurance.
Coverage from Natural Calamities
Alternative cost of accommodation
Loss of personal documents and money
Occupiers Liability to the public
Loss of Keys
What is Travel Insurance?
Travel insurance is a type of insurance that covers the costs and losses associated with traveling. It is useful protection for those traveling domestically or abroad.
According to a 2020 NerdWallet survey of 2,000 Americans, only one in five Americans bought travel insurance for leisure trips prior to COVID-19. But 45% say they're likely to purchase travel insurance for future leisure trips.
Many companies selling travel packages also offer travel insurance.
Some travel policies cover damage to personal property, rented equipment, such as rental cars, and even ransom requests.
The main categories of travel insurance include trip cancellation or interruption coverage, baggage and personal effects coverage, medical coverage, and accidental death or flight accident coverage.
Coverage often includes 24/7 emergency services, such as replacing lost passports, cash wire assistance, and re-booking canceled flights.
Key Travel Insurance Coverages
Emergency Medical and Dental
Trip Cancellation and Interruption
Accidental Death and Dismemberment
Baggage Coverage and Delay
Rental Car Coverage
Life and Health Insurance
Life insurance is a contract between an insurer and a policyholder. A life insurance policy guarantees the insurer pays a sum of money to named beneficiaries when the insured policyholder dies, in exchange for the premiums paid by the policyholder during their lifetime.
Critical Illness Insurance
In the event of a big health emergency, such as cancer, heart attack or stroke, critical illness insurance could be the only thing protecting you from financial ruin. Many people assume they’re fully protected with a standard health insurance plan, but the exorbitant costs of treating life-threatening illnesses are usually more than any plan will cover.
Individual Health and Dental
Health insurance is a type of insurance coverage that typically pays for medical, surgical, prescription drug and sometimes dental expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.
Dental insurance covers issues related to the teeth and gums, as well as to preventative care such as annual cleanings. Not all procedures are covered; for example, cosmetic procedures, such as crowns or whitening, are not. Deductibles, co-pays, and coinsurance will apply, and many policies have annual coverage maximums that are relatively low, ranging from $750 to $2,000 in many cases.
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