Insurance comes in all forms

If it can be lost, stolen, broken or destroyed,
you probably can insure it!

You've probably heard the bizarre stories of how body parts, exotic objects and downright weird gizmos can be issued for a healthy premium.

Insurance is available for just about anything -- if you can associate a value to the loss, an insurance company somewhere probably would agree to cover it.

Insurance comes in all forms, and policies issued by one company may contain subtle differences based on their underwriting rules, and based on the state governing the policy on which you're requesting a quotation.

All insurance policies include one or more of the following categories of insurance:

Property Insurance: Insurance against loss, theft, damage or destruction of a piece of property -- a physical thing such as a car, home, ship, etc. Both auto insurance packages and homeowners insurance packages include some element of property insurance.

Casualty Insurance: This covers insures against accidents, not necessarily tied to any particular property, however both homeowners and auto insurance packages also contain an element of casualty insurance coverage.

Liability Insurance: This covers situations in which you might be sued for damages because of some act for which you are held responsible. Auto, Homeowners and Business insurance packages all contain liability coverage. Professional Indemnity Insurance as well.

Financial Loss Insurance: As its name implies, financial loss insurance protects you against a financial loss because of an unexpected event. Business, Travel, Health, Credit, Disability, Worker's Compensation and Title insurance policies all include elements of this type of coverage.

Life Insurance: Life insurance is distinctly different from other types of insurance. In fact, the life insurance industry is subject to different laws and tax regulations. Annuities fall under life insurance.

When shopping for insurance, it pays to understand the various types of coverages and how they can be combined to afford you appropriate protection for your personal situation.

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