Types of personal insurance

Consider the coverage you need to fit your family and lifestyle.

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Protecting your health, property and your family’s future can mean the difference between money trouble and financial security. Finding the right policy depends on your income, dependents and needs.

What is personal insurance?

Personal insurance is any insurance that protects you from having to pay out of pocket for accidents, illness or damage to your property. To get insurance, you agree to pay a monthly or annual premium in return for a payout when you need it.

Types of personal insurance

Personal insurance can provide protection and peace of mind for you and your family. You can buy multiple policies separately or save money by bundling a policy with one insurer. Which types of insurance you need depends on your income, dependents and lifestyle.

Find an insurance company that meets your needs

Car insurance

Car insurance is important when you’re on the road, no matter who’s to blame for an accident. It covers damage to your car in an accident in exchange for regular payments. Basic coverage includes:

  • Bodily injury that covers the cost of another person’s injuries from an accident you cause.
  • Property damage that covers damage you cause to someone else’s property in an accident.
  • Personal injury covers medical services after an accident, regardless of fault.
  • Uninsured motorist covers costs caused by a driver if their insurance can’t pay enough.

Learn more about car insurance

Home and renters insurance

Home, content and personal valuables insurance can be tailored to meet your specific requirements. No matter if you own the home yourself or if you are renting from a landlord, you will find this type of insurance policy can be structured to fit in with your particular needs. Home and renters insurance can:

  • Provide a payout for your valuables in the case of a break in or damage.
  • Protects you if someone is injured on your property.
  • Pay for damage caused by a storm or other accident.

Learn more about homeowners insurance

Life insurance

The most basic type of life insurance pays a lump sum benefit to your beneficiaries when you die. That money can be used to:

  • Pay for funeral costs.
  • Pay off your mortgage and any other debts.
  • Cover the loss of your income and help with day-to-day expenses.
  • Pay for your children’s education.
  • Cover any other extra expenses your family might have

Learn more about the types of life insurance

Travel insurance

Travel insurance is great for vacations, business trips, or anytime you plan on traveling away from home. Travel insurance can protect you if you need to:

  • Cancel your trip unexpectedly.
  • Receive urgent medical care.
  • Replace items if you lost your luggage on the flight.

Learn more about landlord insurance

Disability insurance

Disability insurance, also known as income protection insurance, pays a percentage of your income if you’re temporarily or permanently disabled and can’t work.

Disability insurance can:

  • Help you pay for nursing care and physical therapy not covered by your health insurance.
  • Cover some or all of the cost of renovating your home to fit your current needs and lifestyle.
  • Pay for day-to-day expenses if you’re unable to work.

Learn more of the benefits of income protection insurance

Critical illness insurance

Critical illness insurance pays you a lump sum benefit if you’re diagnosed with a critical illness such as heart disease, cancer or stroke. Insurers may have different guidelines for which medical conditions qualify, so check the fine print before purchasing a policy.

Critical illness insurance can:

  • Pay for copays, deductibles and medical expenses not covered by health insurance.
  • Pay for physical therapy and in-home nursing care.
  • Cover bills and other expenses while you’re unable to work.

Learn more of the benefits of critical illness insurance

Landlord insurance

If you own a property to rent out, then landlord protection insurance is a valuable tool to have in your insurance portfolio. Landlord protection insurance can insure you against:

  • Financial loss if your tenant misses rent, steals or damages your property.
  • Legal liability claims made by anybody on the property who suffers an injury.

Learn more about landlord insurance

Compare insurance companies

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All states except AK, HI, LA, MI, RI
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.

Compare up to 4 providers

Name Product Flood coverage Fire coverage Storm coverage Replacement options Available states
Replacement cost, actual cash value
All 50 states
Protect your home and auto insurance with Progressive to save a bundle.
Replacement cost, actual cash value
All 50 states
Protect your home and belongings and save even more by bundling insurance with Allstate.
Actual cash value
All 50 states
Invest in affordable insurance that protects your home and your property from damage no matter where you live.
Gabi home insurance
Gabi home insurance
Replacement cost, actual cash value
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Replacement cost, actual cash value
AL, FL, GA, TX
Get coverage fast with policies designed to protect coastal homes.
Replacement cost, actual cash value
All 50 states
Save big with Geico's home insurance discounts and bundling, all with easy online management.
Replacement cost, actual cash value
All 50 states
This online marketplace does most of the work for you, matching you with quotes from 12 highly rated home insurers.
Replacement cost, actual cash value
AZ, CA, CT, DC, GA, IL, IN, MD, MI, NV, NJ, NY, OH, OR, PA, TN, TX, VA, WI
Enjoy straightforward pricing, transparent flat fee from this completely digital insurer.
Replacement cost, actual cash value
All 50 states
A full range of home coverages and products Value-added features are built in to each home policy Three highly customizable packages as a starting point
Replacement cost, actual cash value
All 50 states
Enjoy great rates and wide coverage with USAA. Available to military members and family.
Nationwide home insurance
Nationwide home insurance
Replacement cost, actual cash value
44 states (available everywhere except AK FL HI LA MA NJ & NM)
Allied home insurance backed by Nationwide offers tons of discounts and one-on-one support from your local agent.

Compare up to 4 providers

Name Product Issue Ages Coverage Range Medical Exam Required State Availability
18 - 85 years old
$10,000 to $10,000,000+
Depends on provider and policy
All 50 states
Compare quotes from 16 life insurance companies side by side.
18 - 75 years old
$100,000 to $10,000,000
Yes
Get a term life insurance quote from this A+ rated company, founded in 1875. Customize your policy with additional life and disability riders.
18 - 64 years old
$100,000 to $3,000,000
No
All 50 states
Customized term life insurance policies up to $3 million, no medical exam required.
21 - 54 years old
$50,000 to $1,000,000
No
Not available in Alaska or New York
Affordable 2-, 10- and 20-year term life insurance policies. Instant quotes and no medical exams.
20 to 60 years old
$100,000 to $8,000,000
No
Not available in New York
Term life insurance with no policy fees and the freedom to cancel anytime. Simple application process that can get you approved for coverage instantly.
25 - 60 years old
$100,000 to $5,000,000
No
Available in all states except for Montana
Offers term life insurance with accelerated underwriting. No-exam coverage up to $1,000,000 for those who qualify.
20 - 85 years old
$100,000 to $1,000,000
Depends on policy
All 50 states
Get a term or whole life insurance quote from Fidelity Life - starting as low as $15/day.
18 - 80 years old
$50,000 to $25,000,000
Depends on provider and policy
All 50 states and D.C.
Get a quote within minutes from more than a dozen insurers.
20 - 80 years old
$25,000 to $10,000,000
No
All 50 states
Quickly get a quote for coverage with this marketplace, which compares term & whole life insurance policies from 45+ carriers.
eCoverage
eCoverage
25 - 83 years old
$25,000 to $1,000,000
Depends on policy
Get a term life quote from eCoverage - starting at as low as $15 per month.

Compare up to 4 providers

Name Product Trip Cancellation Emergency Medical Expenses Baggage Coverage Trip delay
100%
$15,000
$500
$500
Essential travel coverage — with the option to customize — that can protect the cost of your trip.
$10,000
$1,000
$100
Protect the cost of your flight and choose the coverage amount that meets your needs — trip delay protection included.
$50,000
$2,000
$1,000
Budget-friendly policy designed for international and domestic travelers who want medical protection. Trip cancellation and trip interruption not included.
$20,000
$1,000
$600
Annual policy that offers affordable protection, but doesn't include trip cancellation or trip interruption.
100%
$15,000
$750
$500
Basic policy with coverage that includes trip cancellation insurance, tourist health insurance and baggage insurance.

Compare up to 4 providers

Bottom line

Getting insurance to cover your risks can protect you from a financial hardship if the unexpected happens. Consider your lifestyle, risks and income to determine which insurance is right for you.

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