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Insurance Xchange — Auto, Business, Health, Home and Life Insurance
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Types of insurance
Any risk that can be quantified probably has a type of insurance to protect it.
Among the different types of insurance are:
Automobile insurance, also known as auto insurance, car insurance is probably the most common form of insurance and may cover both legal liability claims against the driver and loss of or damage to the vehicle itself.
Casualty insurance insures against accidents, not necessarily tied to any specific property.
Health insurance covers medical bills incurred because of sickness or accidents.
Liability insurance covers legal claims against the insured. For example, a homeowner's insurance policy provides the insured with protection in the event of a claim brought by someone who slips and falls on the property, and brings a lawsuit for her injuries.
Life insurance provides a cash benefit to a decedent's family or other designated beneficiary, and may specifically provide for burial, funeral and other final expenses.
Annuities provide a stream of payments and are generally classified as insurance because they are issued by insurance companies and regulated as insurance.
Pet Insurance insures pets against accidents and illnesses - some companies cover routine/wellness care and burial, as well.
Title insurance provides a guarantee that title to real property is vested in the purchaser and/or mortgagee, free and clear of liens or encumbrances.
Travel insurance is an insurance cover taken by those who travel abroad, which covers certain losses such as medical expenses, lost of personal belongings, travel delay, personal liabilities.. etc.
Workers' compensation insurance replaces all or part of a worker's wages lost and accompanying medical expense incurred due to a job-related injury.
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