Coverage · 17 types, 51 state guides each
Coverage
What each kind of insurance is for, and how it works where you live. Insurance is regulated state by state, so every coverage has a guide for each state as well.
Home and property
- Home Insurance Covers the structure of your home, your belongings, and your liability as a homeowner. What it does not cover — flood, earth movement, wear and tear — is as important as what it does.
- Renters Insurance Covers your belongings and your liability in a unit you do not own. Your landlord's policy covers the building, not your things.
- Condo Insurance Fills the gap between what the association's master policy covers and what you own inside your walls — including loss assessment.
- Flood Insurance Flood is excluded from every standard homeowners policy. Coverage comes from the NFIP or a private flood carrier, and most policies carry a waiting period.
- Umbrella Insurance Liability coverage that sits above your auto and home limits. Usually the cheapest million dollars of protection a household can buy.
Vehicles
- Auto Insurance Liability for injury and damage you cause, plus optional coverage for your own vehicle. Every state sets a minimum; the minimum is rarely enough.
- Motorcycle Insurance Liability and physical damage for bikes, with coverage decisions — custom parts, passenger liability, UM — that differ meaningfully from auto.
- Boat & Watercraft Hull, liability, and wreck-removal coverage. Homeowners policies cover only small craft, and only barely.
- RV Insurance Auto-style coverage for motorhomes and travel trailers, plus full-timer liability for people who live in them.
Life and health
- Life Insurance Pays a benefit to the people who depend on your income. Term covers a defined period; permanent policies build cash value and cost considerably more.
- Medicare Supplement, Advantage, and Part D plans that sit alongside federal Medicare. Enrollment windows are strict and missing one is expensive.
Business and farm
- Commercial Insurance Property, liability, and business-interruption coverage written for an operating business rather than a household.
- General Liability Covers bodily injury and property damage a business causes to third parties. Frequently required by contract before you can work.
- Workers' Compensation Statutory coverage for employee injury. Requirements, rates, and exemptions are set state by state.
- Cyber Liability Breach response, notification costs, ransomware, and liability for compromised customer data.
- Surety Bonds Contract, license, and permit bonds guaranteeing performance or compliance. Not insurance in the ordinary sense — a bond is a three-party credit instrument.
- Farm & Ranch Combines dwelling, outbuilding, equipment, livestock, and farm liability coverage that a standard homeowners policy will not write.