Other types of Insurance - Every other form of insurance

One may begin to consider funeral expenses at age 65 or 75-depending upon his health. If you want to plan ahead, shop around. If you wait until a loved one dies, you will probably pay more than if you planned ahead. It is a matter of personal feelings, but cremation is much less costly than traditional burial. A local funeral home and cemetery may offer a package that is cheaper than the insurance company's plan-the one an agent is trying to sell you. Remember, you are paying his commission. The local funeral home may give you a lower cost if you deal direct with them.

Condo Insurance--Your condominium association insurance covers the condominium building, commonly owned property, and liability insurance for the association. But that insurance doesn't cover losses to your unit as a result of a burglary, if water damage ruins your living room walls, or if someone slips on your wet kitchen floor and is injured.

That's why you need condominium insurance - designed specifically for condo or co-op owners. Condominium policies protect you from losses to your personal property and the interior of your unit. You will also have liability protection for bodily injury or property damage to others.

The articles of the condominium association and state law determine exactly which building components are covered under the association's master insurance policy. In most instances the association's coverage stops inside the exterior walls meaning that you are responsible for the interior walls and possibly for fixtures, as well as your personal property and liability exposures. Before purchasing a condominium policy, check with your condominium association to make sure you're buying the insurance you need. Find out what parts of the interior are covered by your condo association's insurance and what items are your responsibility.

Then make sure that you have adequate insurance to cover repairing or replacing the items for which you are responsible. The contents of your condominium are not insured under the association's master condominium policy. So, estimate the cost to replace your contents and buy insurance for that amount.

Credit insurance---If you own a credit card you have probably been asked by the company if you would like to add credit insurance. Most are unfamiliar with this type of insurance and either decline it or accept it automatically without knowing if it is the right type of insurance for their needs. As with all insurance, determining need is different from person to person because of our different lifestyles and obligations. Credit insurance may be beneficial to some but just an unneeded cost for others depending on one's situation. Knowing what credit insurance is and the different types can help you make an informed decision.

Credit insurance can come in a variety of forms. The four main types are credit life, disability, unemployment, and property:

1. Credit life insurance
2. Discredit disability insurance
3. Involuntary unemployment credit insurance
4. Credit property insurance

When credit insurance is purchased it is offered free for a specific time and sometimes the company will give you a check to cash into your bank account as an incentive to try out the credit insurance. By cashing the check you are enrolling in the program. Commercial insurance--- It is essential to every company. Costs have been rising as business risk has increased over the years. Also, the costs of settling insurance claims have been rising as well. In a recent survey by the Business Continuity Institute, it was shown that 25% of companies who implemented a business continuity plan in 2002 did so at the request or direction of their insurance company.

RV Insurance--- This is insurance for a motorized wheeled vehicle used for camping or other recreational activities

Apartment insurance can be one of two things-insurance purchased by the owner or owners of an apartment building or insurance purchased by the person living in an apartment (also called renters insurance). Apartment insurance to cover an apartment building requires the help of an agent. You will need to call and talk to an agent who specializes in this type of commercial insurance coverage.
Group Travel Insurance --- Travel insurance for when you are travelling as a group

Landlord Insurance---As a landlord, you are effectively using your property as an extra source of income - and this needs to be protected. A normal home insurance policy is not valid when you are taking an income from the property. A residential landlord policy is what is required.

Business Insurance--- As a business-owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. Other types of insurance are truck insurance, trailer insurance etc.