Insurance is a contractual agreement. You pay an amount of money in return for a promise from an insurance company to pay you for a loss you sustain. The policy is the contract and defines the coverage; its language will detail the conditions and circumstances under which the policy holder will be financially compensated…

Your resources may be insufficient to meet your needs if you suffer an accidental loss. Insurance can help to keep you financially stable by protecting your assets or income. There are three basic types of loss. One, you could lose your property or personal possessions through fire, water damage, or some other calamity. Two, you could accidentally hurt someone and be financially responsible or legally liable for his or her injuries or their property loss. Three, you could be injured or sick and need medical care, including hospitalization. There are different types of insurance to meet these needs.


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