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General Insurance

General insurance is a financial means of protecting items from certain events. General insurance could be applied to your car, home, boat or any other valuables, depending on what type of policy you buy and what type of insurance you are looking for. As a savvy consumer, you must shop around and compare prices from various insurance companies.
When you buy it, you pay money to have the insurance. Then, if something happens to the items that are insured, the insurance company is supposed to compensate you for that thing. For example, if you have general insurance on your home, and your home is damaged in a storm, your insurance will cover the repairs that need to be made, as long as you are up to date on the policy that you have.

Insuring anything other than human life is called general insurance. Examples are insuring property like house and belongings against fire and theft or vehicles against accidental damage or theft. Injury due to accident or hospitalisation for illness and surgery can also be insured. Your liabilities to others arising out of the law can also be insured and is compulsory in some cases like motor third party insurance.

General insurance secures you against losses that may or may not occur. Any insurance policy that is not life insurance may be categorized as general insurance. Let us have a look at risks that are covered by general insurance policies.

Home Insurance Policies – One can obtain cover against the risk of loss to residence and property therein from theft, fire, earthquake, flood, or other contingencies.

Renter’s Insurance Policies – These policies secure property owned and stored by lessees in rental premises. Sometimes the landlord may provide such cover. If not, purchasing an insurance cover may be useful.
Medical or Health Insurance Policies – Such policies provide financial security incase of serious illness or hospitalization.

Auto Insurance Policies – These policies are required in certain countries like USA. Even if not required, such policies are popular as they take care of the expenses in case of accidents. For example, the cost of repairs, cost of reimbursing the aggrieved party, and medical bills may be covered by auto insurance policies.

Pets Insurance Policies – This is a popular category in the West. Pet insurance policies cover expenses incurred in relation to pets like medical bills or loss of pets.

Travel Insurance Policies – These cover any contingencies during travel.

Business Insurance Policies – Business insurance policies financially secure an organization’s physical and intellectual property.

Personal Liability Insurance Policies - Professionals may find these policies beneficial. They provide cover against client’s claim for loss suffered in certain situations.
Public Liability Insurance Policies – These policies are for entities conducting public events like event management organizations. They provide cover against costs incurred due to any unforeseen incident in the entity’s premise during an event.

Lifestyle Protection Insurance Policies – These kinds of policies provide financial security in case of unemployment or major illness or such other reason. The idea being that the policyholder should be able to maintain his/her lifestyle as was before the happening of any contingency.

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