Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Written by Shuman Roy
Content Writer & Entrepreneur Shuman Roy

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Jul 19, 2021

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.

Below is a list of insurance topics broken down by category. We cover everything from car insurance to flood insurance to workers compensation, so you should be able to find an answer to any insurance-related question here.

If for some reason you don’t, please contact us and we’ll add your insurance question to our to-do list!

Insurance Basics

Do I Need Insurance?
How Do Insurance Companies Make Money?
How to Get the Best Insurance Quote?
How to Negotiate with Insurance Companies?
Indemnity Insurance
Independent Agent vs Captive Agent
Insurance Adjusters
Instant Proof of Insurance
Insurance Company Ratings
Insurance Exclusions
Insurance Policy Cancelled
Is Your Insurance Agent Working for You or Their Commission?
Loss Cost Settlement Methods
No Fault Insurance Laws by State
State Department of Insurance Contact Info
Switching Insurance Companies
Types of Insurance Agents
What are the Benefits of Insurance?
What Happens to an Insurance Premium When a Deductible is Lowered?
What is a CLUE Report?
What is a Declarations Page?
What is a Loss Payee/Lienholder?
What is an Insurance Deductible?
What is Negligence?
What is Premium Financing?
What is Subrogation?
What Types of Damages Can I Sue For?
What Types of No-Fault Insurance Coverage Are There?
Why Does the Insurance Company Need My Social Security Number?
Why is Insurance Important?

Auto Insurance

Accident Forgiveness
Actual Cash Value
Auto Death Indemnity Coverage
Auto Insurance Checklist
Am I Covered?
Bodily Injury Coverage
Combined Single Limit Liability
Comprehensive vs Collision Coverage
Do I Need Uninsured Motorist Coverage?
Do Insurance Companies Check Driving Records?
How Are Car Insurance Rates Determined?
How Can I Lower My Car Insurance Rate?
How is My Car Considered a Total Loss?
How Much is Car Insurance for a 16 Year Old?
How to Renew Your Car Insurance
Liability Car Insurance
Med Pay vs. Personal Injury Protection
Mexican Auto Insurance
Minimum Auto Insurance
My Friend Crashed My Car: Am I Covered?
Named Non-Owner Auto Insurance
New Car Insurance Grace Period
Out-of-State Auto Insurance Coverage
Property Damage vs Physical Damage
Rental Car Insurance
Short Term and Temporary Car Insurance
Types of Auto Insurance Companies
Underinsured Motorist Coverage
Uninsured Motorist Coverage
Uninsured Motorist Property Damage
What is a Motor Vehicle History Report?
What is a Motor Vehicle Record?
What is an SR22?
What is Collision Coverage Insurance?
What is Comprehensive Car Insurance?
What is Full Coverage Auto Insurance?
What is Gap Insurance?
What is Guest Passenger Liability?
What is Med Pay Insurance?
What is No Fault Insurance?
Pay As You Go Car Insurance
What is Personal Injury Protection?
What is Physical Damage Coverage?
What is Property Damage Coverage?
What to Do If You Get into a Car Accident
What Types of Car Insurance Are There?
When You’re Not Covered
Why Do Car Insurance Rates Go Up?

Commercial Insurance

Blanket Insurance
Builders Risk Insurance
Business Income Insurance
Certificate of Insurance
Commercial Auto Insurance Coverage Symbols
Commercial General Liability
Commercial General Liability Limits
Errors and Omissions Insurance
Garage Insurance
Premises and Operations Coverage
Products and Completed Operations Coverage
Personal and Advertising Injury Coverage
Medical Payments to Others Coverage
Hired Car Coverage and Non-Owned Auto Liability Insurance
What is a Business Owner’s Policy?
Why You Need Commercial Liability Insurance?
Why You Need Commercial Vehicle Insurance?

Flood Insurance

Do I Need Flood Insurance?
How Much is Flood Insurance?
What is an Elevation Certificate?
What Is Covered By Flood Insurance?
Where Can I Buy Flood Insurance?

Health Insurance

Affordable Health Insurance
Can I Get Health Insurance for My Girlfriend?
Can I Get Health Insurance If I’m Pregnant?
Can I Get Health Insurance with Pre-Existing Conditions?
Can I Get Health Insurance without a Job?
Emergency Room Insurance Coverage
Health Insurance Terms
How to Buy Health Insurance
Long Term Care Insurance
Out-of-Pocket Maximum
Major Medical Health Insurance
Supplemental Health Insurance
Top 10 Health Insurance Companies
What is COBRA Insurance?
Why Do I Need Health Insurance?

Homeowners Insurance

Average Cost of Homeowner’s Insurance
Do I Need to Inventory My Homes Contents?
Do I Have to Tell My Homeowners Insurance Company I Have a Dog?
Does Homeowner’s Insurance Cover Bedbugs?
Does Homeowner’s Insurance Cover My Dog?
Does Homeowner’s Insurance Cover My Pool?
Fair Rental Value Insurance
Homeowners Insurance Liability Coverage
How Are Homeowner’s Insurance Rates Determined?
How to Read a Homeowner’s Insurance Policy
Is Homeowners Insurance Included in the Mortgage?
Losses Possibly Not Covered by Homeowner’s Insurance
Replacement Cost vs Actual Cash Value
Switching Homeowner’s Insurance Companies
Top 10 Homeowner’s Insurance Companies
Types of Homeowners Insurance
Unoccupied House Insurance
What is a Dwelling Fire Policy?
What is Covered Under a Homeowner’s Insurance Policy?
Who is Covered Under a Homeowner’s Insurance Policy?
What is Hazard Insurance?
Why is a Wind Deductible Higher than a Regular Deductible?
Why Is My Home’s Replacement Cost So High?

Life Insurance

Can I Buy Life Insurance For Someone Else?
Do I Need Life Insurance If I’m Single?
Group Life Insurance
Guaranteed Issue Life Insurance
How Do I Buy Life Insurance?
How Does Life Insurance Work?
How Long Does It Take To Receive Life Insurance Benefits?
How Much Does Life Insurance Cost?
How Much Life Insurance Do I Need?
How to Check the Value of an Old Life Insurance Policy?
Low Cost Life Insurance
No Load Life Insurance
Permanent Life Insurance
Term Life Insurance
Top 10 Life Insurance Companies in the United States
Unclaimed Life Insurance Benefits
Universal Life Insurance
What Do Life Insurance Companies Test For?
What Does Life Insurance Not Cover?
Why Does Life Insurance Cost More When You Get Older?
Whole Life Insurance


Coinsurance Clause
Georgia Electronic Insurance Compliance System
Insurance for College Students
Insurance Score
Personal Articles Insurance
Rental Property Insurance
Trucking Insurance Terms
Umbrella Insurance
Unemployment Insurance
What is Renters Insurance?

Workers Compensation Insurance

State Benefits Coverage
Employer’s Liability Coverage
Other States Coverage