Coverage Comparison

Understand key coverage options across insurance types. Compare what they cover, typical limits, and how to decide the right level of protection for your needs.

Car Insurance

• Liability: Covers injuries and damage to others
• Collision: Covers your car in a crash
• Comprehensive: Non‑collision (theft, weather, animals)
• UM/UIM: Uninsured/underinsured motorist coverage
• Medical Payments/Personal Injury Protection

Health Insurance

• HMO vs PPO vs EPO networks
• Deductibles, copays, and out‑of‑pocket maximums
• Preventive care and prescriptions
• Specialists and referrals
• Mental health and telemedicine

Life Insurance

• Term vs Whole life
• Coverage amount and term length
• Riders: AD&D, waiver of premium, child rider
• Medical exam vs no‑exam policies

Home Insurance

• Dwelling, personal property, and liability
• Additional living expenses
• Deductibles and exclusions
• Flood and earthquake riders

Business Insurance

• General liability and professional liability
• Business property and business interruption
• Workers’ compensation
• Cyber liability

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