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Definitions
Auto insurance is for your car, bus or truck. It may cover medical and legal costs, vehicle repair, theft or fraud.
Car insurance is the same as auto insurance.
Homeowner's insurance normally covers the physical structure of your house. If your house is insured and it is damaged due to flooding, storms, fire, burst pipes etc, you can restore your home with the insurance monies. You also need to insure your home contents – furniture, art, electronics, jewelry etc.
House insurance is the same as home insurance.
Life insurance protects your spouse or children if you die. Your beneficiary receives the policy's value upon your death. This can help your spouse pay off your home mortgage, provide an education for your children, supply monthly income to your family for a period of time, or even leave them some savings. The simplest form of life insurance is called term life insurance because it covers a particular period in your life. As your life situation changes, you may want to tailor your life insurance to the new conditions when you enter the next term.
Health insurance provides long-term medical coverage for you and your family. If you don't get your health insurance coverage through an employer, an individual and family health insurance plan is your standard, private market option.
Long-term care insurance provides services for individuals who cannot complete everyday tasks without assistance, due to reduced physical and/or intellectual functioning. These services can be rendered at home, in the community, or in a residential facility.
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