Complete guide to health insurance options in the United States - individual, family, Medicare, Medicaid, and employer coverage.
Insurance Types
Recently updated
Insurance Types
Understanding the different types of insurance is the first step to protecting yourself and your loved ones. Explore our comprehensive guides to each category.
Major Categories
- Health Insurance - Medical coverage for individuals and families
- Life Insurance - Term, whole life, and universal options
- Disability Insurance - Income protection if you can’t work
- Property & Casualty - Home, auto, and liability coverage
- Business Insurance - Protection for your enterprise
- Specialty Insurance - Travel, pet, and niche coverage options
Coverage Guides
Detailed guides for specific insurance types:
- Auto Insurance Guide - Coverage types, costs, and requirements
- Home Insurance Guide - Protecting your property and belongings
- Renters Insurance - Coverage for apartment dwellers
- Umbrella Insurance - Extra liability protection
- Pet Insurance - Coverage for your furry family members
Cost Comparisons
- Life Insurance Costs by Age - What to expect at different life stages
- Disability Insurance Costs - Rates by coverage level and age
By Life Situation
- Insurance for Freelancers - Coverage without an employer
- Insurance for New Parents - Adding children to your coverage
- Insurance for Retirees - Medicare and retirement planning
Frequently Asked Questions
What types of insurance do I need?
The insurance you need depends on your life situation. Most people need health insurance, auto insurance (if they drive), and homeowners or renters insurance. If you have dependents, life insurance becomes important. Business owners need additional coverage like liability and workers’ compensation.
How do I choose the right insurance coverage?
Start by assessing your risks and assets. Consider what you need to protect (health, income, property, family) and what you can afford. Compare quotes from multiple insurers, review coverage limits and deductibles, and read policy exclusions carefully.
What's the difference between a premium and a deductible?
A premium is what you pay regularly (monthly, quarterly, or annually) to maintain your coverage. A deductible is what you pay out-of-pocket when you file a claim before insurance kicks in. Generally, higher deductibles mean lower premiums.
When should I review my insurance coverage?
Review your coverage annually and after major life changes: getting married or divorced, having children, buying a home, changing jobs, starting a business, or experiencing significant income changes. Regular reviews ensure your coverage matches your current needs.
No FAQs match your search. Try different keywords or .
Insurance by State
Insurance requirements and costs vary significantly by state. Select your state for specific regulations, average premiums, and local resources.
Most Populous States
Browse by Region
Browse Insurance Categories
Protection for your home, auto, and liability - comprehensive guides, comparisons, and resources.
Understanding life insurance - term life, whole life, universal life, and more. Find the right policy to protect your family.
Income protection if you can't work - comprehensive guides, comparisons, and resources.
Protection for your business and employees - comprehensive guides, comparisons, and resources.
Niche coverage for specific needs - comprehensive guides, comparisons, and resources.
Essential insurance guide for freelancers and independent contractors. Health, disability, liability, and business coverage options explained.
Insurance checklist for new and expecting parents. Health coverage for baby, life insurance, disability protection, and policy updates you need to make.
Retirement insurance guide covering Medicare, Medigap, prescription drugs, long-term care, and how to review your coverage needs on a fixed income.
Complete guide to pet insurance - what it covers, costs by state, how to compare policies, and whether it's worth it for your dog or cat. Make informed decisions about protecting your pet's health.