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Types of car Insurance

Collision Insurance
Collision Insurance

Collision insurance is a coverage that helps pay to repair or replace your car if it's damaged in an accident with another vehicle or object, such as a fence or a tree. If you're leasing or financing your car, collision coverage is typically required by the lender.

source: allstate.com
Comprehensive Coverage
Comprehensive Coverage

Comprehensive insurance is a coverage that helps pay to replace or repair your vehicle if it's stolen or damaged in an incident that's not a collision. Comprehensive typically covers damage from fire, vandalism or falling objects (like a tree or hail).

source: allstate.com
image: allstate.com
Comprehensive Insurance
Comprehensive Insurance

Comprehensive insurance is a coverage that helps pay to replace or repair your vehicle if it's stolen or damaged in an incident that's not a collision. Comprehensive typically covers damage from fire, vandalism or falling objects (like a tree or hail).

source: allstate.com
Exclusive Provider Organizations (EPOs)
Exclusive Provider Organizations (EPOs)

Exclusive Provider Organizations (EPOs) are a type of health insurance plan that limit coverage to a particular network or networks of doctors and hospitals. Unlike HMO plans, EPO plans do not require that you get a referral from your primary care physician to see a specialist.

Gap Insurance
Gap Insurance

That is why many car insurance companies offer gap insurance (loan/lease payoff insurance) as an optional coverage that is available with physical damage coverage. Typically, a stand-alone gap policy is sold by a car dealer at a higher cost.

Health Maintenance Organizations (HMOs)
Health Maintenance Organizations (HMOs)

HMO means "Health Maintenance Organization.". HMO plans offer a wide range of healthcare services through a network of providers who agree to supply services to members. With an HMO you'll likely have coverage for a broader range of preventive healthcare services than you would through another type of plan.

HO-1 Basic Form
HO-1 Basic Form

Form No. 1 (HO-1) refers to the most basic homeowners insurance policy. It covers damage to the house and property inside from 10 named perils. Most states no longer offer this type of insurance due to its limited coverage.

HO-2 Broad Form
HO-2 Broad Form

Part of the Insurance Services Office, Inc. (ISO), ... It is a broad named perils form, but the list of covered perils is more extensive than that of HO 1.

source: irmi.com
HO-3 Special Form
HO-3 Special Form

Form No. 3 Special Homeowners Insurance HO-3 Definition - Form No. 3 (HO-3) is a type of home insurance policy that provides coverage over the home and...

HO-4 Tenant's Form
HO-4 Tenant's Form

What is HO-4 Insurance? in Renters Insurance on April 02, 2010 by Staff Writer HO-4 insurance, commonly referred to simply as renter’s insurance, is an insurance policy that covers tenants from loss of personal property. It does not cover the actual house or apartment that is being rented; that property is covered by the landlord’s ...

HO-5 Comprehensive Form
HO-5 Comprehensive Form

Form No. 5 Comprehensive Homeowner's Insurance (HO-5) is a homeowner's insurance policy that covers the property, structures within the limits of the property, personal belongings, liability, and medical coverage.

HO-6 Condo Form
HO-6 Condo Form

HO-6 is home insurance for owners of co-ops or condominiums. It provides personal property coverage, liability coverage and specific coverage of improvements to the owner's unit. Typically the owner's condo or co-op association provides insurance that covers the outside of the dwelling (structure).

source: insure.com
HO-7 Mobile Home Form
HO-7 Mobile Home Form

HO-7 — mobile home form The mobile home form is essentially the same as an HO-3, but is designed specifically for mobile or manufactured homes, which don't fall under regular homeowners insurance coverage.

source: esurance.com
HO-8 Older Home Form
HO-8 Older Home Form

With all the various kinds of home coverage available, it can be difficult to narrow down what type of policy will best fit your needs. Here, we break down the different types of homeowners insurance policies — including what they do and don't financially protect you against.

source: esurance.com
Liability Coverage
Liability Coverage

Liability car insurance covers damages to another person resulting from an accident you cause. One of the most basic types of auto insurance coverage, liability is also one of the few coverage options that's mandatory in every state—though minimum limits of coverage vary, depending on where you live.

source: allstate.com
Medical Payments Coverage
Medical Payments Coverage

Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

source: esurance.com
Personal Injury Protection
Personal Injury Protection

PIP stands for personal insurance protection (personal injury protection), and it is an extension of car insurance that covers medical expenses and, in many cases, lost wages. It is often called “no-fault” coverage because its inherent comprehensiveness pays out claims agnostic of who is at fault in the accident.

Point-of-Service (POS) Plans
Point-of-Service (POS) Plans

A Point of Service (POS) plan has some of the qualities of HMO and PPO plans with benefit levels varying depending on whether you receive your care in or out of the health insurance company's network of providers.

Preferred Provider Organizations (PPOs)
Preferred Provider Organizations (PPOs)

In health insurance in the United States, a preferred provider organization (or PPO, sometimes referred to as a participating provider organization or preferred provider option) is a managed care organization of medical doctors, hospitals, and other health care providers who have agreed with an insurer or a third-party administrator to provide ...

image: youtube.com
Related Resources:
Related Resources:

Comprehensive insurance is a coverage that helps pay to replace or repair your vehicle if it's stolen or damaged in an incident that's not a collision. Comprehensive typically covers damage from fire, vandalism or falling objects (like a tree or hail).

source: allstate.com
image: allstate.com
Uninsured Motorist Insurance
Uninsured Motorist Insurance

Understand uninsured and underinsured motorist ... A much easier route is to carry uninsured motorist insurance as part of your car insurance policy and make a ...

source: insurance.com