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Insurance guides

Know what you're buying.

Short, clear explainers for the six kinds of insurance most American households need, so every quote you compare makes sense.

Auto InsuranceHome InsuranceLife InsuranceFinal ExpenseHealth InsuranceMedicare

Auto Insurance

Required in almost every state

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Compare liability, full coverage and bundles from national and regional carriers.

What it covers

  • Liability: injuries and damage you cause to others (required in most states).
  • Collision: damage to your car from an accident.
  • Comprehensive: theft, weather, fire, animals and vandalism.
  • Uninsured/underinsured motorist: protection when the other driver can't pay.

How to save

  • Bundle with home or renters insurance.
  • Ask about safe-driver, low-mileage and telematics discounts.
  • Drop collision on older, low-value cars.

Home Insurance

Usually required by your mortgage lender

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Protect your house, belongings and liability, and see what a fair premium looks like.

What it covers

  • Dwelling: the structure of your home.
  • Personal property: furniture, electronics, clothing.
  • Liability: if someone is injured on your property.
  • Loss of use: living costs if your home becomes unlivable.

Watch out for

  • Flood and earthquake damage are usually not covered and need separate policies.
  • Replacement cost vs. actual cash value makes a big difference at claim time.

Life Insurance

Protects the people who depend on you

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Term and whole life options to protect the people who count on your income.

Main types

  • Term life: affordable coverage for a set period (10 to 30 years).
  • Whole life: lifelong coverage with a cash value component.
  • Universal life: flexible premiums and death benefit.

How much do you need?

  • A common starting point is 10 to 12 times your annual income.
  • Factor in your mortgage, debts, childcare and future education costs.

Final Expense

Popular with adults 50 to 85

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Small whole life policies built to cover funeral and end-of-life costs.

What it is

  • A small whole life policy, typically $5,000 to $35,000.
  • Designed to cover funeral, burial and final bills so family isn't burdened.
  • Many plans need no medical exam, just a few health questions.

Good to know

  • Premiums are usually fixed for life.
  • Some guaranteed-issue plans have a 2-year waiting period before the full benefit applies.

Health Insurance

Coverage for individuals and families

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Marketplace, short-term and private plans for individuals and families.

Your options

  • ACA Marketplace plans: may qualify for income-based subsidies.
  • Employer plans: often the most cost-effective if offered.
  • Short-term plans: temporary gap coverage with limited benefits.

Key terms

  • Premium: what you pay each month.
  • Deductible: what you pay before coverage kicks in.
  • Out-of-pocket maximum: the most you'll pay in a year.

Medicare

For Americans 65+ and some people with disabilities

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Understand Medicare Advantage, Supplement (Medigap) and Part D drug plans.

The parts of Medicare

  • Part A: hospital insurance.
  • Part B: doctor visits and outpatient care.
  • Part C (Medicare Advantage): private all-in-one plans, often with extra benefits.
  • Part D: prescription drug coverage.
  • Medigap: supplement plans that help pay Original Medicare's out-of-pocket costs.

Important dates

  • Your Initial Enrollment Period is the 7 months around your 65th birthday.
  • Annual Enrollment runs October 15 to December 7 each year.