USA INSURANCE

INTRODUCTION TO INSURANCE

             USA Insurance is nothing but a small amount of your savings plan will give a good return of money in a certain years. Having the right kind of insurance policies is an essential part of making a good financial future.


USA insurance policies are protects us from risk and guarantees that, once we accumulate assets, we will be able to keep them.       

The basic definition of insurance is risk management. Insurance is a agreement where a fixed payment called as premium the policy holder or insurer to pay the company. That may become a claim payment or benefit to the insurer.  This defined claim

Payment amount can be a fixed amount or can reimburse all or a part of the loss that occurred.  The premium charged to each of the pool member or insurer is that Participant’s share  of the total premium for the pool.  Each premium may be adjusted to reflect any there Special characteristics  of the particular policy. 

The insurer considers the losses expected for the insurance pool and the potential for variation in order to charge premiums that, in total, will be sufficient to cover all of the projected claim Payments for the insurance pool. 

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                     In generally only two percentage of insurer are suffered by  losses.  Their losses are paid out of the premiums collected from the pool of policyholders.  Thus, the entire pool compensates the unfortunate few.  Each policyholder exchanges an unknown loss for the payment of a known premium. Under the formal arrangement between the insurer and the insurance company, the party agreeing to make the claim payments is the insurance

Company  or the insurer.  The pool participant is the policyholder.  The affordable insurance payments that the

Policyholder makes to the insurer are premiums.  The insurance contract is the policy.  The risk of

Any unanticipated losses is transferred from the policyholder to the insurer who has the right to

Specify the rules and conditions for participating in the insurance pool. there more insurance companies, mutual’s and cooperatives enable individuals and firms to protect themselves against infrequent but extreme losses at a cost which is small compared to the feared loss .they giving insurance quotes about their policies and mutual fund polices especially most of the insurance providers giving free insurance quote . 

                                 


globally  there  are more than 2000 companies  provide the facility the insurance companies are also provide free online  insurance  quotes . in  United States and Canada more than 100 insurance companies provide the schemes and free insurance quote for our United states people  .  They companies do this through the workings of the law of large numbers and the central limit theorem which ensure that a sufficiently  large  number of reasonably  homogenous  risks  will produce  well  behaved  and  highly aggregate results following a roughly Gaussian loss distribution. The insurance may be enable for  human (health, and life) and either a property like a vehicle, and building , and marine properties and commercial properties. if  there will be any damage or loss for the noted above the insurance company will give damage claim for the insured property .    

TOP 10 INSURANCE COMPANIES USA

TOP 10 INSURANCE COMPANIES USA:

                                
TOP 10 INSURANCE COMPANIES USA , is a list of USA insurance companies ,according to their performance and share values.                        

           there are  more insurance companies           to provide insurance policies for the              USA peoples . the important terms of the " "USA INSURANCE COMPANIES" are the insurer must be an American  living any part of the country . 

                                     Its easy to find the " TOP 10 USA insurance companies " for getting free online insurance quote about their polices and their terms and  conditions . and also we getting  find them your "health insurance quote ",  " life insurance quote " ,  " home insurance quote " and  " car insurance quote "and your commercial business . You may find it more affordable to use "top 10 USA insurance companies " ,like  life insurance , car insurance , home owners insurance , auto insurance  from the " top 10 USA insurance companies "you may find that you can insures every aspect of your life under the same
" USA insurance companies ".

top 10  insurance companies in USA are listed below that will having good  financial states and giving good affordable returns to the insurer.

 NEWYORK LIFE INSURANCE COMPANY

AMERICAN NATIONAL INSURANCE COMPANY  

ALLSTATE INSURANCE COMPANY USA

AMICA INSURANCE CORPORATION USA

AONCORPORATION USA

BERKSHIRE HATHAWAY INSURANCE COMPANY USA

CAN FINANCIAL INSURANCE COMPANY USA

COLONIAL INSURANCE COMPANY USA

WEST COST LIFE INSURANCE USA

WESTIFIED INSURANCE USA

GEICO INSURANCE COMPANY USA

JACKSON NATIONAL INSURANCE COMPANY USA

 

MUTUAL OF AMERICAN LIFE INSURANCE COMPANY USA

ERIE INSURANCE GROUP USA

INFINITY AUTO INSURANCE COMPANY USA

WELLS FARGO INSURANCE COMPANY USA

FARMERS INSURANCE USA

HANOVER INSURANCECOPANY USA

RELIANCE INSURANCE COMPANY USA

CHUBB INSURANCE COMPANY USA      

                                                        these " TOP 10 insurance companies " , having more than 100000 workers including insurance agents and insurance brokers in unites states.  They will provide for "health insurance"and" life insurance" and "home owners insurance", and " car insurance "for the peoples of USA  . to get the free insurance quote about the policies enter the names of the company in Google  search and go to the  insurance companies and get easily know about the terms and condition of the company.

                    

HOME OWNEERS INSURANCE

     Home insurance or home owner’s insurance its like a property insurance used for covering private homes in US.  In UNITED STATES the homes we buy are the biggest single investment   we will ever make. If a flood, storm, and cyclone, tornado or earth quake strikes we will not survive the financial loss. We fill our homes with more than basic necessities. A HOME INSURANCE policy that combine various personal insurance protections, it can include loss occurring from the above (additional living expenses), or losses of the other personal possessions of the home owner.

                                    

                                In other words homeowner’s insurance, that gives coverage for both  PROPERTY and LIABILITY , with an affordable insurance premium, and it gives  benefit for all risk. Standard forms divide coverage into several categories, and the coverage provided is typically a percentage of coverage B, which is coverage for the main dwelling. To the problem of taking advantage of multiple line opportunities   and at the same time coming up with a saleable product, the filling letter submitted with policy represents valuable documents in any consideration of home owner’s rating.

                                           

PURPOSE OF HOME INSURANCE POLICY :  

A HOME FIRED IN FRANCE

                  The  basic  reasons  for  the  existence  of  a  Homeowners  policy  are clearly  set  out  in  this  filing  under  the  heading  "Purposes  and  Advantages." Recent instructions by  agents  and home insurance companies show that  an affordable costs  in  selling and handling the insurance contracts are  of such size that affordable insurance policies are  written  at a  loss both  to agent and  home insurance company. This means  that  the more modest property owner loses, too, because if there is not profit to agent and to home insurance company, there is no in- centive  to  reach  the  uninsured  and  under-insured property owner.

Home Insurance in UNITED STATES:

                                                         

A TORNADO AFFECTED HOME IN CALIFORNIA,

                               Home insurance in United States may different from other countries for example: in UK subsidence and subsequent foundation failure is usually covered under and insurance policy. But in United States insurance companies used to offer foundation insurance, which was not affected the lender to be able to foreclose and recover the full amount of the loan.

UNITED STATES home insurance also called as HAZARD INSURANCE AND HOME OWNERS INSURANCE (HOI). In UNITEDSTAES most of the home buyers borrow money in the form of a CREDIT LOAN, and the finance loan lender always requires that the buyer purchase home owner’s insurance as a condition of the loan, to protect the bank if the home was affected by both natural as well as manmade, in which an insurance company along with premium also pays for certain types of losses or damage.  BEFORE 1950 A UNITED STATES HOME INSURANCE POLICY HOLDER   was used to take separate hazard policy in US for theft, hail etc.  But after 1950 a change was made in US home insurance policies, according to which, homeowner buy one policy covering all the insurance they needed. These insurance policies used to differ with companies and there was no standardization in these policies.

                                             

ADVANTAGE OF INSURANCE POLICY:

            1. It overcomes cost problems presently facing agent and company.

            2.  It provides broader and more convenient coverage through packaging.

            3.  It makes possible significant savings which can be passed on to THE                policyholder.

                   These advantages become available when the policy is simplified and standardized as a fixed package which permits unit processing. It is believed that the coverage combination here the objective and  will meet  with wide  acceptance. This can be proved, however, only through actual experience and it may be desirable to modify the package somewhat after testing.

                                           

TYPE OF HOME INSURANCE POLICES:

HO-1 TYPE  HOME OWNERS INSURANCE:  

                                                                               This type of United states home insurance covers your dwelling and personal property against damages or losses including fire and lightening, theft, and windstorm.

HO-2 TYPE HOME OWNERS INSURANCE PLUS:   

                                                                                It includes the HO-1 type home owner’s insurance and addition of damage such as  electrical surge, falling objects, weight of ice snow , and three categories of water related damages.

HO-3 TYPE SPECIAL HOME OWNERS INSURANCE:

                                                                                the most commonly purchased home insurance in UNITED STATES is HO-3 type. In UNITED STATES 17 states perils included in this categories of HO-2. And addition this type of policy provides extensive coverage of your home like the structure and the content inside your house. This cover large area of your home owner’s insurance.

HO-4 RENTERS INSURANCE: 

                                                                                 HO-4 is commonly known as tenants or renter’s insurance policy or coverage. This insurance policy in United States provides relive against lighting, explosion, destruction, theft volcanic eruption.

HO-5 INSURANCE:                                                  

                                                                                Under this UNITED STATES home insurance policy house is not an apartment or condo is covered. Quite similar to HO-3 but has wider coverage. This policy  cover larger area of damages or losses with wider boundaries that owners and its properties as well is liability that might arise from outer side.

 

 POPULAR HOME INSURANCE COMPANIES IN US:

1.    All state insurance company , USA

2.    Aon corporation ,USA

3.    Marsh insurance company, USA

4.    Gesico insurance company, USA

5.    Met life insurance company ,USA

6.    Renters insurance company , USA

7.    Met life insurance company , USA

All Insurance companies in UNITED STATES give free online insurance quite about their HO-1 to HO-6 policies and these Insurance companies having more than fifty thousand workers to help and free insurance quite about for the united state people .

LIFE ASSURANCE QUOTE

 

Life insurance is a contract between the policy owner and the insurer. the insurer agrees to pay a certain premium a sum of money upon the occurrence of the insured individual's or individuals' death (natural and accidental death).  Life insurance products provide a definite amount of money to the insurance policy holder In return, the policy owner agrees to pay a stipulated amount (at regular intervals or in lump sums) the amount paid is called as premium.

There are number of life Life insurance products which can offer protection for the policy holder or insurer

1.    A whole life insurance product provides fixed amount money on death.

2.    A term life insurance that can provides a fixed amount of money on death during the period of contract.

(i)                 For the peoples convenient in USA there are more Term insurance are available in market lowest term life insurance and medium term life insurance and high premium life insurance.

3.    An pension policy provides a continues of monthly returns to life insurance holder.

4.    A money back guarantee life insurance policy that can provides not only fixed amounts which are payable on specified dates during the period of contract, but also the full amount of the money assured on death during the period of contract.

                  There are more and more life insurance companies they can provide various life insurance policies to the people. There are more than 2000 companies worldwide to provide the life insurance policies  the terms and condition of life insurance policies different from country to country  In USA there are more than 50 companies provides these facility to the people, they offer online insurance quotes to the people. Life insurance policies are legal contracts and the terms of the life insurance contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; for example claims relating to suicide, fraud, war, riot and civil commotion. In the United States, the predominant form simply specifies a lump sum to be paid on the insured's demise. The maturity claim of the policy is derived, not from an actual claim event, rather it is the value derived from the 'peace of mind' experienced by the policyholder, due to the negating of adverse financial consequences caused by the death of the Life Assured.

                                IN USA life insurance is an investment and a valuable key to lessen the burden of taxes and preservation of wealth. Insurer appoints insurance agents to sell their products. Public who are interested to buy life insurance products should receive proper advice from insurance agents so that right products could choose to suit particular financial needs. In united  states there are more insurance providers to give insurance policies to the people in USA. these companies are give free insurance quotes to people the companies are………
              
           q  AMICA INSURANCE COMPANY, USA

    q AON CORPORATION

   

    q 21 CENTURY INSURANCE COMPANY, USA

     

    q NEW YORK LIFE INSURANCE COMPNY, USA

    q MET LIFE LIFE INSURANCE COMPANY ,USA

    q BERKSHIRE HATHWAY COMPANY,USA

   

    q ALLSTATE COMPANY, USA

    q CAN FINANCIAL COMPANY, USA

    q COLONIAL LIFE INSURANCE COMPANY,USA

    q CHUBB CORPORATE , USA

    q FARMERS INSURANCE COMPANY, USA

  The above list life insurance companies provide lowest term life insurance policies to USA people.

CHEAPEST CAR INSURANCE

CAR INSURANCE:

                                  

                      Car insurance is just like that auto insurance in auto insurance its cover for all type of  vehicle like truck , motorcycle, van, container, bus ,and so…..  but in car insurance its only for car’s. In USA There are more people having car and more accidents will causes by the mad drivers.

                                      The insurer or the policy holder purchase a Car insurance policy  and pay the monthly premium frequently if the insure car was damage by accident, and some mechanical failure, and electrical failure ,the  Car insurance company will give compensation for the insured car. The car insurance policy covers two type of loss No fault Car insurance coverage and it called complete Car insurance policy. And another one will cover losses arise from accidental. This will cover the person you accidentally bumped and other damages to property you met.  In USA The limit of Compensation will differ State to State.

Purchase an Cheapest car insurance:

                                                                   

                                                                     In USA there are more Car insurance companies provide the Car insurance policy to the people of USA , all motorized Vehicles  particularly Who  are used in business need commercial Car insurance like cab drivers , and commercial drivers  need commercial auto insurance. This insurance required by most state covers medical expenses for injured persons and damages to the property other individual as a result of motor vehicle accident brought by the insured laxity. Commercial car insurance policy however have a higher liability limits provisions covered rented and other non-owned vehicle company car driven for company business. When you buy a car insurance you want to look consider the amount of premiums pay for each month. The cheapest premium does not always mean that you invest your money in a excellent car insurance policy. The car insurance companies look for two main considerations

First one is  the car insurance companies looking the amount of premium you will be required to pay , then your age , Gender , Nuptial status, Year of driving experience ,and the type of vehicle , model of car , mileage of vehicle,  and premium you want tO pay.

 For foreign drivers there are more car insurance companies provide Car insurance policy to the foreign visitors . Compare the insurance rates that providers offer to foreign visitors so that you will be able to make an informed decision. Make sure that you are able to be well covered against all the risks while driving. If you have a friend or relative residing in the United States, you may be able to get cheaper insurance by adding your name to their policy. . It is advisable to choose a reputed auto insurance company. In case you decide to rent a car you can obtain insurance from the car rental agency. If you are driving down in your own vehicle, you can avail of short term car insurance in the US. Many American car insurance companies provide insurance to foreign registered vehicles. Make sure you driving license is valid for the entire period of stay.

  

A CAR CRASH  IN NEW YORK, CITY

                            In USA most of the insurance    companies  provide  car  insurance policy to the people. These insurance companies having their own branch agencies and subagents these agent s name as the insurance company. Some of the car insurance companies having agents to catch the insurer’s straight and some other insurance companies sell their policies to customer online and over by phone. And all insurance companies having their own website and provider about their policies details in online and we get free online insurance quotes about the policies some of the very popular car insurance companies are listed below

• ·        American International group, USA , New York
• ·        Assurant, Insurance company, USA, New York
• ·        Axa Financial Insurance Company, USA, New York
• ·        MetLife Insurance Company, USA, New York
• ·        New York life insurance Company, USA, New York
• ·        Marsh &McLennan Companies, Inc, USA, New York
• ·        Transatlantic Holding , Inc,  New York
• ·        Marsh Insurance Company USA, New York
• ·        Swiss Reinsurance American Corporation, USA, New York
• ·         Coface North America Holding Company, USA, New York

HEALTH INSURANCE

HEALTH INSURANCE

 

HEALTH INSURANCE:

                                   Health insurance is nothing but an insurance policy that protest against the medical bills .that means a health policy give compensation for medical charges to the insurer. Its  not like that normal insurance in an life or auto insurance policy if any damages causes to human or the vehicle the compensation came for the insurer ,but in health insurance if any deices or accidents are caused to the insurer the insurance companies should pay money to the certain hospital. So that there is no return for the insurer but he don’t worry about medical debits . the health insurance policies are vary with range of premium normally rate of premium available up to ($200 --- $2500) .mostly all of the insurance companies provide health insurance policies to people. There are four type basic types of health insurance plans are available for USA people.

• Health Maintenance Organization or HMO
• Preferred Provider Organization or PPO
• Traditional Indemnity 0Plans
• Point of service plan or POS 

  the above polices are better than each other  its really depends upon your own risk . In USA some of the people enjoy the autonomy offered by        fee for service plans and some of the people wish the low costs associated  with the HMO’s.

Health Maintenance Organization:

                                                       HMO (a closed panel) is the least expensive and least flexible type of health plan. This type of health insurance plan provide complete health care for you and your family , the policy cover health care either directly by its own group through doctors  or other healthcare hospitals under  contract these  type of health care units are called INDIVIDUAL PRACTICE ASSOCIATION (IPA’s)    .  Generally the choice of doctors and hospital are limited to those that have agreement with the HMO to provide health care. This type of health insurance policies include doctors visits , hospital stays , surgery , emergency care . the total medical costs will likely lower and more predictable in an HMO than with fee for service health insurance. HMO’s typically provide protective care like immunizations, mammograms, office visits.

In USA most of the peoples like HMO  plan because they don’t require claim forms for hospital stay, In this type of HMO’s the insurer don’t wait for Doctors appointment because  the HMO’s having their own doctors at their own building at one or more locations of your City to take care about the HMO members. In other hand the contracted independent groups of doctors care about for the HMO members at their own hospitals or (their own building’s) they are called IPA’S  the doctor is just like a major care taker of you, the doctor monitors your healthcare the major limitation of this type of health insurance is you cannot see a health care specialist without  a reference from your primary care doctor.

                                                                             

BEST AUTO INSURANCE

AUTO INSURANCE FOR TRUCK

                Auto insurance is defined as an insurance policy that protests your vehicle from accident, damages, and repairs .that means that give compensation for those things. Consumers purchase auto insurance policies for their vehicles its primary use to provide the losses occurred as a result of accidents. Usually auto insurance policies simply deductible you have first to meet. A financial amount of a claim that must be met before the auto insurance agency will provide coverage for the damage. If your auto insurance policies have lower deductibles. Most of the insurance companies provide auto insurance to people. An auto insurance policy provides coverage for medical expenses in case you suffer in accident that mean it include expenses on transportation to the hospital and surgery bills.

In now days with the help of internet its easy to find the online auto insurance. most of the  online auto insurance companies provide potential clients with full policy information on their websites. you can find various cheap auto insurance quotes on their websites  Its  very use full l for fresher’s.

 

Auto insurance quotes:

                                       In USA most of the insurance companies provide auto insurance policy to the people. The companies having their own branch agencies and sub agents these agents name as the insurance company. Some of the auto insurance companies having agents to catch the customer directly .and some other do not having agents and these auto insurance companies sell their policies to customer online and over the phone. In USA the auto insurance premium are based on the type of vehicles value, potential repair costs, the vehicle over all safety record, and these companies offer risk free policies. Many of USA insurance companies will give you a price break if you buy two or more types of insurance. You may also get a discount if you have more than one car insured in the same company.   Some companies of auto insurance companies provide reduction in premium for long time customers.

TRUCK ACCIDENT IN ,UK

And some companies offer reduction to drivers who get insurance through a group policy with their employees or other associations and some auto insurance companies offer discounts to policy holders who didn’t don accidents for some years.   

  

Coverage liability:                                     

                                    In USA generally, liability coverage extends when you hire a car with full coverage usually applicable for rental vehicles, the coverage cannot apply to rental car because auto insurance companies does not want to assume responsibility for a claim greater than the value of the insured vehicle.

Most rental car companies offer insurance to cover damage to the rental vehicle. Liability coverage is open for property damage and injury for which the insured driver is responsible the coverage provided will vary with auto insurance companies. There are more than 100 auto insurance companies they can provide auto insurance to the people of USA. The total premiums of the insurance company in USA reached US $ 1,655,498 million among these the premium of life insurance is US $ 480,919 million and from non life insurance is US $ 574,579 million according to the U.S Central Intelligence Agency.

Best Auto insurance companies:

                                   In globally there are more than 2000 insurance companies providing the auto insurance policy to the people globally. In USA there are more than 200 companies provide auto insurance policies to the people some those companies having good annual report and profitable return to the insurer these companies approach many way to attract the people and they also having their own website to provide free online insurance quote about their insurance policies the best of insurance companies in US are listed below These insurance companies having more 1 million customers in USA, and these companies provide good service to the people.

•           21 CENTURY INSURANCE COMPANY , USA 
•    ALLIED INSURANCE COMPANY,USA
•    ALLSTATE             
•     BANKER INSURANCE COMPANY,USA       A                                                              
•        EVERGREEN USA RRG INSURANCE COMPANY
•       FEDERATED MUTAL INSURANCE
•        FARMERS INSURANCE COMPANY,USA
•     GESICO
•     GAINSCO
•     MET LIFE INSURANCE COMPANY,USA
•     MERCHANTS INSURANCE GROUP,USA
•     MUTUAL OF AMERICA,USA
•     NATIONWIDE MUTUAL INSURANCE COMPANY
•     NEW JERSY MANUFACTURERS INSURANCE COMPANY
•     NEW YORK LIFE INSURANCE COMPANY,USA