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Other Insurance

divorce insuranceThere are many other insurance policies available to protect anything you consider valuable or costly to replace. They also save you money, time, and aggravation. Sometimes, you can pair the coverage with a primary policy like automobile or homeowner’s. Other times, you need to make a separate purchase.

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Auto Repair Insurance

Auto repair coverage is also known as mechanical breakdown insurance. It protects your vehicle in the event that you have any problems related to its internal components, such as the electrical system. You also receive coverage for the transmission, water pump, alternator, starter, master cylinder, and engine block. These repairs are generally very costly.

Unlike manufacturer warranties, which specify the parts they cover, auto repair insurance ensures a higher level of protection.

ATV Insurance

atv insuranceAll-terrain vehicles, much like automobiles also require ATV coverage. Although you operate an ATV on land and not on public roads, you still need protection against theft and damage. The levels of coverage are similar to automobile insurance and include comprehensive, collision, bodily injury, property damage, and uninsured and underinsured motorist. Your current auto insurance provider should be able to provide coverage for just a few extra dollars per year.

Aviation Insurance

Aviation coverage is for the vast and growing community of both private and public aircraft owners. If you own a single or multiple-engine airplane, small jet or even a helicopter, you need this protection. The most common level of coverage is liability. It shields you from any at-fault accidents. Life insurance for you and your passengers is also an option. Cargo coverage protects against theft or loss of anything located inside of the aircraft.

aviation insurance

Boiler Insurance

boiler insuranceBoiler coverage is for any property owner with air conditioning or refrigeration, electrical or diagnostic equipment. This type of coverage protects against systems and equipment that virtually every residential or commercial facility uses. Accidental mechanical failure resulting in the breakdown of any of these systems does not fall under property insurance. Boiler insurance ensures immediate repairs of parts including circuit breakers, transformers, and generators.

Burial Insurance

Burial coverage, sometimes referred to as final expense insurance is a direct type of policy, which protects the insured until they reach 100 years old. It differs from term or whole life insurance because it only deals with the costs associated with funerals. Some of the most expensive parts of the burial process include the service or memorial, cost of the casket, headstone, and cemetery plot. Burial insurance addresses these costs. In addition, the policy retains cash value.

burial insurance

Crop Insurance

crop insuranceThere are two kinds of crop coverage, Crop-hail and Multiple Peril Crop Insurance (MPCI). Each has particular benefits for the agricultural industry. Crop-hail insurance protects against the destructive nature of hailstorms. One storm can level an entire field. Many parts of the United States receive damaging hailstorms annually. MPCI is all-inclusive protection for events such as drought, disease, and other natural disasters.

Divorce Insurance

To safeguard your finances, divorce coverage is certainly worth considering since the statistics are staggering and continue to rise each year. Many estimate 40% to 50% of marriages end this way. It does not work like a prenuptial agreement, however. Rather, you pay a certain amount each month towards a unit of protection. In time, you can cash in on your investment if you want a divorce. Many policies pay up to $250,000.

Earthquake Insurance

earthquake insuranceIn many states, like California, earthquake coverage exists to protect you and your valuables from damage. It is completely separate from standard homeowner’s insurance. Because they are extremely unpredictable, you may need to utilize your policy at any time. The typical earthquake insurance policy includes coverage for your home or apartment, personal property, and living expenses. Your coverage may include the costs to reconstruct your home as well.

Flood Insurance

Flood coverage has always been a controversial subject. The myths and facts surrounding this type of coverage are numerous. However, the National Flood Insurance Program lays the truth out for all to comprehend. The reality is most homeowner’s insurance policies do not include flood insurance. You must purchase separate coverage. Most policies include structural damage, stairs, electrical outlets, circuit breakers, and more.

flood insurance

Hurricane Insurance

Hurricane coverage is a particularly tricky type of protection. Since hurricanes combine rain, wind, and possible flooding, you need clarity. Under normal circumstances, your homeowner’s insurance and flood insurance will provide adequate coverage against wind and flooding. However, damage caused by rain or excessive winds may require hurricane insurance. Your region plays an important role in your decision, as evidenced by Hurricane Irene and Katrina.

Job Protection Insurance

job protection insuranceJob protection coverage is actually a part of homeowner’s insurance to protect against defaulting on your home loan. When you lose your job and need help paying your monthly mortgage this will assist you. This type of coverage, as a rider under most policies provides approximately six months of payments to your mortgage company. You need to select this option and pay extra, however. It is not an automatic benefit.

Property Owner Insurance

As a property owner, you need landlord coverage because you rely on monthly income in the form of rent. Unfortunately, this can turn into a nightmare. For a minimal investment, you receive protection against property damage, liability issues, and even legal fees. The best part about this kind of insurance is you never lose your income.

If a tenant leaves your dwelling in very poor condition, your property owner coverage pays the income for months until you repair and re-rent the property.

Medicare Insurance

medicare insuranceMedicare coverage is available for seniors and physically challenged residents of the United States. This government-funded program helps with health care costs. Medicare is available in four parts: A, B, C, and D. Part A is for hospitalization, B covers doctor expenses, C is a combination of A and B, and D is for prescription coverage. A specific portion of the American payroll taxes help pay for this program and Social Security pays the remaining costs.

Mortgage Insurance

Mortgage coverage is not for the purchaser of a home; it is for the financial institution providing the loan. There are two ways to pay for this coverage. You can make a lump sum payment upon approval of the loan or you can request the lender to include the amount in the mortgage loan. The unfortunate circumstances with the housing market in 2008 led to a major increase of defaults on these types of loans and the need to protect lenders.

mortgage insurance

Payment Protection Insurance

Payment protection coverage is very popular in the United Kingdom. In the United States, the name is credit protection insurance. This type of insurance helps consumers with loans if they become incapacitated, lose their job, or pass away. These situations make it difficult or impossible to repay debts. Using PPI can provide you with peace of mind during tough economic times. To determine your eligibility, you should assess your debt-to-credit ratio.

political insurancePolitical Risk Insurance

Political risk coverage is becoming a very busy market for a variety of industries including importers, exporters, investors, and financiers. The main use is for protection of assets that may become threatened due to violence, cancelled contracts, foreign currency issues, or even political sanctions. The policies are available in short-term periods of six months for issues with minimal impacts. They are also extensive and ongoing. Many businesses pay annually for long-term use.

Surety Bond Insurance

Surety bond coverage is very common in the finance world. It works like a guarantee of the loan amount with the additional percentage included.

When more than two investors require assurance of repayment, they often protect themselves with this level of insurance.

Since an investment is not simply a loan, but also a way of increasing capital, a shrewd businessperson is often familiar with the process. By paying a small premium, the risk becomes minimal.

terrorism insuranceTerrorism Insurance

Terrorism coverage began because of the 9/11 attacks in 2001. Originally, this level of coverage was supposed to have an expiration date. However, it is now a permanent type of insurance. Both private residents and commercial business owners may elect this coverage. The benefits for private property owners are higher as only a claim for general damage is required. Businesses must wait for a declaration from the federal government.

Volcano Insurance

Volcano coverage is necessary for many, not just those who reside in areas with major volcanic activity. For example, frequent travelers who experience cancelations due to these occurrences often receive partial refunds, at best. Of course, anyone who lives in an area with active or dormant volcanoes should select this coverage because of their volatile nature. Protection for your home against dust, lava flow, ashes, and even shockwaves is essential.

volcano insurance

War Risk Insurance

war insuranceWar risk coverage is a way to protect those who frequent high security areas where insurrection, coups, and military instability are consistent. The companies who offer these policies usually group them in three categories, standard, enhanced, and long-term. The coverage is directed towards events such accidental death or dismemberment, repatriation, emergency evacuations, and assistance worldwide. There are no long-term disability benefits, only coverage and protection.

Wedding Insurance

Wedding protection insurance is short-term and only lasts until the completion of the event. Most people select this type of coverage to protect against unforeseen issues, such as extreme weather, alcohol-based accidents, vendors who fail to show, or damage to the wedding party’s clothing. Wedding planners often recommend this kind of coverage because it is cost-effective and easy to purchase. Once the wedding day ends, the policy cancels automatically.

wedding insurance

Wage Insurance

wage insuranceWage insurance works like a backup for those who lose their jobs and find new ones paying substantially lower wages. This coverage appeals to older workers over the age of 50 that obtain employment on a full-time basis. If the annual salary is under $50,000 the insurance pays the difference between their previous salary and the current amount for a maximum of two years. Wage protection coverage also assists with transportation and childcare for those re-entering the workforce.

Directors and Officers Liability Insurance

Directors and officers liability insurance is corporate-based protection against liabilities, such as lawsuits. In many cases, these employees have high exposure to issues like harassment, discrimination, or embezzlement. The conditions of your title may require you to appear before the board of directors of the company. In these cases, it is imperative that you have proper legal representation. This is when your insurance coverage is most necessary.

doctor insurance

Environmental Liability Insurance

Environmental liability insurance is needed for anyone working in an industry where contaminants are released into the atmosphere causing potential harm to the public. The coverage includes protection against bodily injury and damage to property. Expenses like legal representation or remediation are also included.

The most common industries who require environmental liability insurance are contractors, waste disposal facilities, dry cleaners, and even some real estate corporations.

prize insurancePrize Indemnity Insurance

Prize indemnity insurance is for any company that provides contests, drawings, or raffles with cash rewards. This is particularly true when the cash payments are very large. To protect against theft and add security, this type of coverage is used. Instead of paying the winner directly, the company informs the insurance company. Using the premiums from the insured, the insurance company issues the payment to the winner.

Key Person Insurance

Key person insurance is a smart investment for small companies, with one owner whom keeps the business thriving. It is a type of life key person insuranceinsurance where only the key person or founder receives a policy in their name. If an accident or natural causes remove the person permanently, the company receives a lump sum payment. This helps keep the business afloat until they can replace the main person who was responsible for growing the company.

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