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Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy. Auto insurance provides coverage for:
Basic personal auto insurance is mandated by most U.S. states, and laws vary. Auto insurance coverages are priced individually (a la carte) to let you customize coverage amounts to suit your exact needs and budget. Policies are generally issued for six-month or one-year timeframes and are renewable. The insurance company sends a notice when it’s time to renew the policy and pay your premium.
Your auto policy will cover you and other family members on your policy, whether driving your car or someone else’s car (with their permission). Your policy also provides coverage if someone who is not on your policy is driving your car with your consent.
Your personal auto policy only covers personal driving, whether you’re commuting to work, running errands or taking a trip. It will not provide coverage if you use your car for commercial purposes—for instance, if you deliver pizzas.
Personal auto insurance will also not provide coverage if you use your car to provide transportation to others through a ride-sharing service such as Uber or Lyft. Some auto insurers, however, are now offering supplemental insurance products (at additional cost) that extend coverage for vehicle owners providing ride-sharing services.
Auto insurance requirements vary from state to state. If you’re financing a car, your lender may also have its own requirements. Nearly every state requires car owners to carry:
In addition, many states require that you carry:
Even if PIP and uninsured motorist coverage are optional in your state, consider adding them to your policy for greater financial protection.
While most basic, legally mandated auto insurance covers the damage your car causes, it does not cover damage to your own car. To cover your own car, you should consider these optional coverages:
Collision and comprehensive only cover the market value of your car, not what you paid for it—and new cars depreciate quickly. If your car is totaled or stolen, there may be a “gap” between what you owe on the vehicle and your insurance coverage. To cover this, you may want to look into purchasing gap insurance to pay the difference. Note that for leased vehicles, gap coverage is usually rolled into your lease payments.
A homeowners insurance policy can protect your home against damages that occur to the house itself – and the belongings inside. Homeowners coverage can also protect your property, some of your personal possessions and you. It’s a package policy that combines two types of coverage:
For instance, if something unexpected occurs, such as a fire or burglary, homeowners insurance will help pay for destruction and losses. In addition, a home insurance policy may provide liability coverage for accidents that occur on your property (including both property damage and bodily injuries incurred by visiting guests) and may even cover certain accidents that occur off your property.
There are several different coverage types built into a home insurance policy, and it’s important to know what coverage types apply to what damages. Let’s get into the specifics.
A homeowners insurance policy can protect your home against damages that occur to the house itself – and the belongings inside. Homeowners coverage can also protect your property, some of your personal possessions and you. It’s a package policy that combines two types of coverage:
For instance, if something unexpected occurs, such as a fire or burglary, homeowners insurance will help pay for destruction and losses. In addition, a home insurance policy may provide liability coverage for accidents that occur on your property (including both property damage and bodily injuries incurred by visiting guests) and may even cover certain accidents that occur off your property.
There are several different coverage types built into a home insurance policy, and it’s important to know what coverage types apply to what damages. Let’s get into the specifics.
A standard homeowners policy typically provides the following types of coverages:
Dwelling coverage helps protect the structure, built-in appliances and wall-to-wall carpet of your house from damage. In the terms of your home insurance policy, your “dwelling” means the entire structure of your home and any connected structures such as an attached garage or cellar. In the event your home is damaged by a covered loss, this will help to cover repairs or any rebuilding that needs to take place as a result.
Other structures coverage applies to structures on your property that are not attached to your dwelling. If an unattached structure such as a shed, garage or guest house is damaged, other structures insurance may help cover the associated costs.
Personal property coverage protects your personal belongings in your home, such as furniture or electronics, if they are damaged or destroyed by a covered loss.
Liability coverage may cover damage costs associated with bodily injuries sustained by guests on your property and other covered expenses that arise as a result of negligence. This could include the individual’s medical bills, loss of income, pain and suffering and more. It could also cover your legal defense costs in the event of a dispute.
In the event you need to temporarily move out of your home due to a covered loss, loss of use insurance will cover additional housing and living expenses that you incur. For example, if you have to move out of your home while it is being repaired or rebuilt after a covered accident, loss of use insurance would cover the cost of a hotel or temporary apartment.
Check out the full list of homeowners insurance coverage options available from Nationwide.
Yes and no. Homeowners insurance is not required by state law, like auto insurance. However, your lender may require that you obtain a policy and a certain level of home insurance coverage. Having home insurance is an important way of protecting your home and belongings from the unknown – and potentially avoid paying out of pocket for costly damages.
Homeowners insurance helps you protect the things that matter most. To gain peace of mind with the right home insurance policy, start your homeowners insurance quote today with Nationwide.
I needed insurance and I needed it fast. I called the Movement Agency and they were able to get me insured the same day. Thanks so much Movement Agency.
I was referred to the Movement Agency by a friend. I was at a car dealership and needed to purchase insurance. Needless to say, I was able to take care of everything over the phone and drove off the lot with my new car. Process was very easy.
I was fed up with my insurance and I needed to shop around for better rates. I called the Movement Agency and they were able to switch me to a new carrier and saved me hundreds! Me and my husband was so excited with the savings that we moved our homeowners as well.
I needed insurance and I needed it fast. I called the Movement Agency and they were able to get me insured the same day. Thanks so much Movement Agency.
I was referred to the Movement Agency by a friend. I was at a car dealership and needed to purchase insurance. Needless to say, I was able to take care of everything over the phone and drove off the lot with my new car. Process was very easy.
I was fed up with my insurance and I needed to shop around for better rates. I called the Movement Agency and they were able to switch me to a new carrier and saved me hundreds! Me and my husband was so excited with the savings that we moved our homeowners as well.