Homeowners insurance, also known as hazard insurance, protects your home and the contents inside. Also included is coverage for loss of use as well as Personal Liability in case someone is injured on your premises.

Auto Insurance protects you and your family from financial loss if involved in an accident. An auto policy can include coverage for liability, medical and damage to property.

In the event of an insured's death, the insurance company promises to pay a lump-sum amount to the beneficiary established in the contract that both parties agree upon. There are multiple types of life insurance with the three most popular being Whole, term and Universal life policies.

Boat insurance offers coverage for your vessel, personal belongings and liability in case you cause injury to others while operating your watercraft. The value, size and speed of a boat can be big factors in determining a premium.

Renters Insurance policies are optional and help protect a tenant's belongings and also provide liability coverage at affordable rates. Named perils typically include fire, theft, vandalism and hurricane. Some renters policies may offer coverage for small alterations made to the dwelling by the tenant as well.

Most homeowner policies do not cover you for flood damage, rising waters from the ground up. A separate flood policy would need to be purchased for this peril. Some homes may require an Elevation Certificate to be submitted for a rate to be calculated.