Insurance Policies and Coverage
Find a suitable insurance policy for every aspect of your life, including your pets, and save money while protecting you and your property against unexpected financial costs.
How to Find and Choose Your Insurance Policy
With so many insurance coverage offers, finding and choosing the right insurance policy for you and your family can feel like finding your way out of a maze. There are multiple jargon, choices, and complexities to overcome.
LendMeMoney.com aims to equip you with essential knowledge and present the best insurance offers for each category. We recommend looking beyond company names and examining each aspect, including the policy terms, deductibles, limits, exclusions, and cash value. These insights will help you select policies that serve your interests and save money on insurance.
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Frequently Asked Questions
Check out the answers to these frequently asked questions:
If you’re looking to find a suitable auto insurance policy, you likely have come across some coverage terms. In order to save money on auto insurance by not paying for more than you need, you’ll want to be familiar with them. These main types of coverage are designed to protect you in the event of an incident. They include:
- Liability insurance
- Comprehensive insurance
- Collision coverage
- Personal injury protection
- Medical payments coverage
- Uninsured motorist coverage
There are five main life insurance types, each designed to cater to specific coverage needs. Go by your needs to find a suitable life insurance policy. The main types are:
- Term life insurance
- Universal life insurance
- Whole life insurance
- Variable life insurance
- Final expense life insurance
A standard homeowners insurance policy covers your house and belongings from fires, adverse weather causes, vandalism, and theft on your property. You can also claim coverage for medical bills for persons injured on your property. Home insurance allows you to save money because even when you’re away from home due to a natural disaster, the policy pays for your stay at a hotel or a rental.
Healthcare insurance is not a one-size-fits-all arrangement. You’ll need to assess your household healthcare needs to find an insurance policy that attends to them. The main types of healthcare insurance plans include:
- Health maintenance organization (HMO): Limits care to a network of approved healthcare providers.
- Preferred provider organization (PPO): Allows out-of-network services.
- Point-of-service (POS): Allows in-and-out-of-network care by choice or necessity, such as from referrals by your primary care provider.
- Exclusive provider organization (EPO): Allows in-and-out-of-network services, but you don't need to retain a primary care provider or need a referral to visit a specialist.
Pet insurance types are:
- Basic wellness care: Covers annual checkups, vaccinations, routine blood work, and parasite preventives.
- Accident-only: Covers diagnostic tests, surgery, hospitalization, medicine, and treatment for accidental injuries.
- Comprehensive insurance: Covers diagnostic tests, surgery, medicine, hospitalizations, and treatment of illnesses and accidents.
Examine each coverage to find a suitable insurance policy for your pet.
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