Auto insurance coverages can help protect your vehicle and your own expenses after a covered event, while liability coverages help pay for injuries or property damage you cause to others if you’re responsible for an accident. Common coverages include:

Collision Coverage: Helps pay for repairs to your vehicle after a collision, regardless of fault.

Comprehensive Coverage: Helps cover damage caused by events other than a collision, such as theft, vandalism, fire, falling objects or severe weather.

Uninsured and Underinsured Motorist Coverage: Provides protection if you’re involved in an accident with a driver who has little or no insurance.

Medical Payments or Personal Injury Protection (PIP): May help cover medical expenses for you and your passengers after an accident.

Transportation or Rental Assistance: Helps with transportation needs while your vehicle is being repaired after a covered claim.

Bodily Injury Liability: Helps cover medical expenses and related costs for others who are injured.

Property Damage Liability: Helps cover damage to another person’s vehicle, home, fence, or other property.

A deductible is the amount you’re responsible for paying before your insurance coverage helps pay for your vehicle damages from a covered claim. Choosing the right deductible is about finding a balance between your monthly insurance costs and what you would be comfortable paying if you need to file a claim.

• Buying a new or used vehicle
• Getting married or growing your family
• Buying a new home or moving to a new area
• Starting a new job or retiring
• Experiencing major life changes that affect your transportation needs

Home insurance helps protect your home and personal belongings and finances when the unexpected happens. Whether you own a house, condo, or rental property, the right coverage may help you recover from covered losses and provide protection if you’re responsible for damage or injuries to others. Many mortgage lenders require homeowners insurance as a condition of financing.

• Fire and lightning damage
• Theft
• Vandalism
• Severe weather and natural disasters
• Damage to personal belongings
• Liability if someone is injured on your property

Dwelling Coverage: Helps pay to repair or rebuild your home if it’s damaged by a covered event.

Coverage C – Personal Property: Helps protect belongings inside your home, including furniture, electronics, clothing and other personal items.

Loss of Use Coverage: Provides assistance with temporary living expenses if a covered loss makes your home uninhabitable during repairs.

Personal Liability Coverage: Helps protect you if you’re legally responsible for bodily injury or property damage sustained by others.

You should review your coverage annually or if you are considering any of the following:
• Buying a home, condo, or investment property
• Moving into a rental home or apartment
• Getting married or growing your family
• Sending a child to college
• Renovating or improving your home
• Purchasing valuable items such as jewelry, artwork, or collectibles
• Approaching retirement or experiencing other major life changes

The amount of coverage you need depends on factors such as your home’s value, the cost to rebuild it and the value of your belongings.

Renters insurance may protect your belongings and provides liability coverage if you’re responsible for damage or injuries to others. While your landlord’s insurance typically covers the building itself, it generally does not cover your personal possessions. Whether you’re renting an apartment, house, condo, or dorm room, renters insurance can help provide protection when the unexpected happens.

• Theft
• Fire and smoke damage
• Vandalism
• Certain types of water damage
• Damage to personal belongings
• Liability if someone is injured on your property

Renters insurance is worth considering when you are:
• Moving into an apartment, house or condo
• Living with roommates
• Attending college and living away from home
• Purchasing expensive electronics or other valuable belongings
• Building a collection of jewelry, sports equipment or other high-value items
• Looking for liability protection as a renter

Some landlords and property managers may also require renters insurance as part of a lease agreement.

Pet insurance helps cover the cost of unexpected veterinary care when your pet becomes sick or injured. It can help make treatment more affordable, allowing you to focus on your pet’s health and recovery rather than the financial impact of care. Coverage is available for many types of dogs and cats and plans vary based on your pet’s age, breed and health history.

• Accidents and injuries
• Illnesses and infections
• Specialist visits
• Emergency veterinary visits
• Diagnostic tests and imaging
• Surgeries and hospitalizations
• Prescription medications

If your pet experiences a covered accident or illness:
1. Visit a licensed veterinarian
2. Pay for your pet’s treatment
3. Submit a claim to your insurance provider
4. Receive reimbursement for eligible expenses based on your policy’s coverage, deductible, and reimbursement percentage

Yes, unlike human health insurance, pet insurance only requires you use a licensed veterinarian in the U.S.

Before renting
Contact your insurance company. Find out how much coverage you have and if it includes rental cars. The coverage and deductibles you have on your auto insurance policy apply in most cases when you rent a car, as long as it’s for personal use and you are driving in the U.S.
Contact your credit card company. If paying for a rental car with a credit card, you may have some level of insurance coverage. Call the number on the back of your credit card to find out what the terms are and what coverage you have. In most cases, credit card benefits are secondary coverage. If an accident occurs, you will still need to file a claim with your insurance company, and your credit card company may pay a portion of the charges that your primary auto insurance company does not. 
Using a car sharing program? If you plan to rent through a car sharing program such as Zipcar, find out ahead of time what insurance is offered, as it can vary from company to company.
Traveling for work? Ask your employer for guidance on whether or not to get rental car insurance.

Do you have a teen driver, a swimming pool or hot tub, or a vacation home or rental property? Do you snow ski or water ski? If you answered “yes” to any of these questions—or if you or someone on your insurance policy is exposed to other potentially risky situations while driving or at home—you may want to consider a personal umbrella policy.

Personal umbrella coverage is an extra policy that offers significant protection against liability claims or lawsuits for serious personal injury. For example, if your homeowners insurance policy has a $500,000 liability limit, but a catastrophic accident occurs and you are responsible for $1 million in property damage, legal fees and medical bills, a PUP can cover the remaining $500,000.