Auto insurance protects you, and others, from financial ruin in the event of an auto accident. It also comes to the rescue if your car is vandalized, catches on fire or is stolen.
Beyond protecting you financially, auto insurance is a social responsibility. Those who drive without insurance, and without the ability to pay for damages they cause, put others at great financial risk.

Auto insurance is comprised of:

  1. Bodily injury liability
  2. Property damage liability
  3. Medical payments or Personal Injury Protection (PIP)
  4. Collision
  5. Comprehensive
  6. Uninsured/Underinsured motorists coverage

Read more about Automobile Insurance.

When shopping for home insurance, there’s much more to consider than how much your coverage will cost. You need to buy the right type of policy. You need the proper level of protection, plus special provisions for valuables such as jewelry, your computer equipment and other possessions. You might also need additional coverage for such things as earthquakes or flooding.

Read more about Home Insurance.

Few things in life are riskier than launching and running your own business. You needn't compound that risk by neglecting your business insurance needs. Protecting your business from financial disaster will not only preserve all your hard work and long hours, but it will also help you sleep better.

There are three types of small business insurance you need, including one that is mandatory. While business property and liability insurance is necessary, you're not legally obligated to have them, whereas employers must provide state-mandated coverages for injuries and illnesses that are job-related through workers compensation insurance.

Read more about Business & Commercial Insurance.

Many of us buy life insurance because we want to make sure that our loved ones remain financially secure after we die. Income replacement is the No. 1 reason people buy life insurance.

Non-earning caregivers also have an important — and often overlooked — economic value that should be covered by life insurance.

Life insurance is also purchased by those interested in achieving specific business or estate-transfer goals.

There are many types of life insurance policies depending on your goals. Policies are available from hundreds of life insurance companies in the United States. Most financial planners recommend that each family income provider carry no less than 10 times their annual income in life insurance.

Read more about Life Insurance.

It's a fact of life — you need health insurance — and the time to get it is before you have an accident, suffer a serious illness, or discover you're pregnant. Insurance doesn't cover health care for medical problems or conditions that start before the moment you have your policy. Finding adequate coverage might seem overwhelming, but knowing the basics can help make your search less stressful.

Read more about Health Insurance.


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