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When you are looking for quality insurance at the best possible rate and conditions, don’t hesitate to shop around. The companies on this site will help you to get FREE, no-obligation insurance quotes in writing from many of the major insurance providers operating in your area. To get started, click on the insurance category’s icon of your primarily interest, answer questions about the insurance you would like to get, and you will be presented with a choice of companies who are ready to provide you competitive insurance quotes free.
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If you need still more FREE QUOTES, you can find even more quote providers organized by insurance type in our Insurance Categories section on the right (roll down menu). To see what our previous visitors had to say about the various insurance quote providers listed on this site, please check our Comments on Insurance section.
Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium. An insurer is a company selling the insurance. The insurance rate is a factor used to determine the amount, called the premium, to be charged for a certain amount of insurance coverage. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.
Any risk that can be quantified can potentially be insured. Specific kinds of risk that may give rise to claims are known as “perils”. An insurance policy will set out in detail which perils are covered by the policy and which are not. Below are (non-exhaustive) lists of the many different types of insurance that exist. A single policy may cover risks in one or more of the categories set forth below. For example, auto insurance would typically cover both property risk (covering the risk of theft or damage to the car) and liability risk (covering legal claims from causing an accident). A homeowner’s insurance policy in the U.S. typically includes property insurance covering damage to the home and the owner’s belongings, liability insurance covering certain legal claims against the owner, and even a small amount of health insurance for medical expenses of guests who are injured on the owner’s property.