Insurance Companies that Fit Your NeedsAt NetQuote, we're ready to help you find the best deals in insurance. Whether your current policy is about to expire or you're looking to change insurers, you need to make sure you buy the right insurance for you and at the best price available. NetQuote is a free service that brings you insurance quotes from thousands of insurance agents. Insurance companies compete for your business.
Getting free insurance quotes is as simple as telling us where you live, but before you begin the process, we've prepared some insurance company information and ratings to help with your insurance decisions:
- 21st Century
- American Family
- Answer Financial
- The Hartford
- Liberty Mutual
About Insurance CompaniesAny risk that can be quantified can potentially be insured. The specific kinds of risk that can raise claims are known as "perils". An insurance policy will specify which perils are covered by the policy and which are not. A single policy may cover risks in one or more insurance categories. For example, auto insurance would typically cover both liability risk (covering legal claims from causing an accident) and property risk (covering the risk of theft or damage to the car). A typical homeowner's policy includes property insurance covering damage to the home and the owner's personal belongings, liability insurance to cover certain legal claims against the owner, and a small amount of coverage for medical expenses for people who are injured on the owner's property.
Business Insurance protects businesses against risks. Some principal subtypes of business insurance are (a) the various kinds of professional liability insurance, also called professional indemnity insurance, and (b) the business owner's policy (BOP), which bundles many of the kinds of coverage that a business owner needs into one policy, in a way similar to how homeowners insurance bundles the coverage that a homeowner needs.
Insurance CategoriesInsurance companies may be classified into two groups:
- Life insurance companies, who sell life insurance, pensions products and annuities.
- General, Non-life, or Property/Casualty insurance companies, which sell other types of insurance.
The main reason for the distinction between the two types of companies is that life, annuity, and pensions are very long-term in nature - coverage for life insurance or a pension can cover risks over many decades. By contrast, general insurance cover usually covers a shorter period, such as one year.