Homeowners Insurance
This package policy is for an owner. The policy-holder owns and occupies a dwelling for himself and/or the family's use. This policy contains coverage in addition to the dwelling: for contents, additional living expense, other structures, premise liability, and medical payments. One can also insure valuable items or collections for personal use such as guns, coin collections, works of art, and other specialty items.

Tenant Insurance
This coverage is similar to the above except one is a tenant in an apartment or dwelling as opposed to owning it. All other coverages follow a similar scope as defined in homeowner insurance above.

Dwelling Fire Policy
This coverage protects the owner of a dwelling that is usually occupied by another. This insurance is usually concerned with coverage for property only. Further, dwellings insured in this way may also have liability and medical payments endorsed for an additional premium.

Personal Inland Marine
This special policy type provides coverage for specific physical items. Examples include jewelry, works of art, antiques and much more. It may be an endorsement to homeowner or tenant owner's policy.

Automobile Policy
This coverage is sometimes referred to as the personal automobile policy or family automobile policy. This policy covers owned automobiles for the owner when used for various purposes: to and from work, as a business use vehicle, and casual driving. This package policy includes coverage for liability, uninsured/underinsured motorist coverage, liability, comprehensive, collision, towing, loss of use, and lease/loan endorsement.

Personal Umbrella Policy
This policy supplements the personal automobile, homeowner, and other special policies containing liability coverage. Usually this contract is sold in increments of $1 million, providing coverage in the event of a catastrophe where the underlying policies' limits may be inadequate for the injuries to others or property damages sustained. Sometimes this policy is referred to as a Personal Catastrophe Policy.

Health Insurance
This coverage is sometimes referred to as medical or hospitalization insurance to pay for sickness or injury. It may also refer to disability income insurance, long-term care insurance, and other special policies. Short-term medical is also a special form when the insured is changing employers.

Long-Term Care Insurance
This health coverage is designed to protect an individual’s assets from the cost of long-term medical care not covered by Medicare. This product is written with a deductible and/or waiting period and includes a benefit for a specific period or unrestricted time. The ideal age for coverage enrollment is between the ages 40 and 65.

Life Insurance
This coverage provides protection to a surviving spouse, family members, and a wide variety of beneficiaries, including non-profit organizations such as churches. Sometimes this coverage is referred to as term life insurance, whole life insurance, universal life insurance, and mortgage insurance. Broadly, it includes a network system of risk sharing with premiums of many paying the losses of a few.

Disability Income Insurance
This policy provides periodic payments to employees to replace salary or wage loss following an on or off the job accident or injury. The employee is unable to work or enjoy gainful employment while such disability exists from such an accident or sickness.