Insurance Industry

(The Balance) Homeowners insurance covers damage to your home and its contents. It also typically reimburses you for losses due to theft and pays out if visitors to your property are injured. Your policy may also pay for living expenses, such as a hotel stay, if your home becomes uninhabitable.

(Insurance Information Institute) Homeowners insurance is a package policy. This means that it covers both damage to property and liability or legal responsibility for any injuries and property damage policyholders or their families cause to other people.

(The Balance) A renters insurance policy is an important way to protect your financial security, and landlords often require tenants to have one.

(Insurance Information Institute) If you rent a house or apartment and experience a fire or other disaster, your landlord’s insurance will only cover the costs of repairing the building. To financially protect yourself you will need to buy renters or tenants insurance.

(Dave Ramsey) Umbrella insurance is extra liability coverage. This type of insurance protects you (plus your family and any other members of your household) from large claims or lawsuits that go above your other insurance policies, such as homeowner’s or auto policies.

(The Balance) Umbrella insurance extends the coverage of other property and casualty insurance policies you own.

(Forbes) An umbrella policy is designed to help prevent financial ruin from a catastrophic event that you’re financially responsible for.

Films on Demand (1:22:01) Should private health insurance exist, should it be replaced with Medicare for All?

Films on Demand (1:15:27) Will market-driven alliances improve health care in the United States? Proponents argue that the bargaining power and data competencies of these huge retailers will squeeze middlemen out of an inefficient supply chain and bring more transparency to health care pricing. But opponents argue that the promise of these novel efforts is overstated or misguided, particularly because the health care industry is so massive and complex. Will retail alliances save the U.S. health care system?

(FindLaw) Disability insurance is an insurance policy that covers some of an individual's lost income while that individual is unable to work due to an illness or injury. Some disability insurance policies cover workers for a short period of a matter of months, while others provide stable benefits for decades.

(The Balance Careers) Are Your Personal Finances Protected in Case of an Emergency?

(Insurance Information Institute) There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD)

(NPR) Long-term-disability insurance pays a portion of your income if you are suddenly unable to work for an extended period because of illness, injury or accident.

(CNBC) Identity theft insurance is a feature offered by many identity theft and credit monitoring services. Here’s what it does.

(Insurance Information Institute) Identity theft victims often spend months or years recovering from the frauds perpetrated on their bank accounts and getting their credit rating corrected. Protect yourself against identity theft with this advice.

(Forbes) With identity theft on the rise, it’s worth taking steps to safeguard your personal information. Identity theft insurance is one tool you can use to help prevent and recover from identity theft.

(FTC) If you’re concerned about data breaches or identity theft, you may be considering signing up for identity theft protection services. Before you enroll, it’s important to weigh the costs and benefits of various types of services.