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What are the different types of insurance (health, home, renters, life, etc..) and when would you need them? |
What are the different types of insurance (health, home, renters, life, etc..) and when would you need them? What a broad question! Health - covers major and minor health issues homeowners - there are three homeowners policies. the basic homeowners (ho3) covers your home and its contents. a landlord policy (standard fire) will only cover the dwelling. the renters policy will cover your personal property if you are renting along with any betterments and improvements that you made to the rented building. life - pays out if you die and more if you have accidental death and dismemberment and you die accidentally. Other types of insurance are purchased by businesses. This can be general liability, public entity management liability, crime & fidelity, umbrella, inland marine, cargo, law enforcement liability, marine, aircraft, builders risk, surety & bond, etc Click this link, and this will answer all of your questions http://en.wikipedia.org/wiki/insurance#t... health is for coverage when you are sick or need treatment in a hospital (you always need this) home is for when you own a home to protect your home and contents of home and liability if someone gets hurt on your property, renters is for people who rent a home or apt to protect their belongings they own and have in the home at the time they live there, life insurance is for when you die, your beneficiary (child, spouse, etc) will get payment to help with burial cost, paying off your bills, and for them to live. agent wow.. writing a thesis??? lots of policies out there.....Life Insurance.. self explanitaary Disability Ins.. -- after a reasonabiity of time.. the insurance will pick up your bills for you.. mortgage, car payment, life ins. premium... you name it. HO.. covers your home that you are in the process of buying,, required by your morgage holder.. also a really dumb move not to carry it. Tenant HO covers coverage.. aka - renters coveage - this protects your contents, as your are just renting and could care less about soomeone else's building, but in the event that a pipe breakes on the floor above.. you have coverage., Fire, etc.. you're set. HO6.. Condo coverage.. covers the airspace and everthing inward.. because that is what you are responsible.. the asociationis responsible for the rest. oh all the hO's your contents are included, of course on the commercial side it's a little more complex.. General Liability - theings that your comapny may or may not do that you may be respndsibility for.. contractual failure, Oyyy there are so many things involved.. you really need to sit down with an agent and discuss the commercial coveage with them w/comp.. protect the worker from injusr on the job there are so many..impossible to list... I once write a policy insuring a fishing contest.. the prizefor catching the fish that had been tagged was a brand new Toyota 4 Runner,, OMG what a crazy policy THAT was to place... |
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