PSA, Most common kinds of insurance are: Health, Life, Dental, Disability, Homeowners, Car, Vision, SSDI

All Types of Insurance: 

### **Personal Insurance**  
1. **Health Insurance** – Covers medical expenses.  
2. **Life Insurance** – Provides financial benefits to beneficiaries after death.  
3. **Disability Insurance** – Replaces income if you become disabled.  
4. **Long-Term Care Insurance** – Covers costs for long-term care, like nursing homes.  
5. **Dental Insurance** – Covers dental care, including check-ups and procedures.  
6. **Vision Insurance** – Covers eye exams, glasses, and contacts.  
7. **Accident Insurance** – Pays for medical bills after an accident.  
8. **Critical Illness Insurance** – Provides a lump sum if diagnosed with a serious illness.  
9. **Hospital Indemnity Insurance** – Pays a set amount for hospital stays.  
10. **Cancer Insurance** – Covers expenses specifically for cancer treatment.  
11. **Heart Attack & Stroke Insurance** – Covers costs related to heart disease.  
12. **Medicare Insurance** – Government health insurance for seniors and some disabled individuals.  
13. **Medicaid Insurance** – Government health insurance for low-income individuals.  

### **Property & Casualty Insurance**  
14. **Homeowners Insurance** – Covers home and belongings.  
15. **Renters Insurance** – Covers personal property and liability for renters.  
16. **Condo Insurance** – Similar to homeowners insurance, but for condos.  
17. **Mobile Home Insurance** – Covers manufactured and mobile homes.  
18. **Landlord Insurance** – Covers rental properties and landlord liability.  
19. **Flood Insurance** – Covers flood-related damages.  
20. **Earthquake Insurance** – Covers damages from earthquakes.  
21. **Hurricane Insurance** – Covers wind and storm-related damages.  
22. **Fire Insurance** – Specifically covers fire damage.  
23. **Tornado Insurance** – Covers damage from tornadoes.  
24. **Volcano Insurance** – Covers damage from volcanic eruptions.  
25. **Burglary/Theft Insurance** – Covers losses from theft.  
26. **Jewelry Insurance** – Covers expensive jewelry separately from homeowners policies.  
27. **Fine Art Insurance** – Covers high-value art pieces.  
28. **Personal Articles Insurance** – Covers valuables like electronics, collectibles, and musical instruments.  

### **Vehicle & Transportation Insurance**  
29. **Auto Insurance** – Covers vehicle damage, theft, and liability.  
30. **Commercial Auto Insurance** – Covers business-use vehicles.  
31. **Classic Car Insurance** – Covers antique or collector vehicles.  
32. **Motorcycle Insurance** – Covers motorcycles.  
33. **RV Insurance** – Covers recreational vehicles (motorhomes, campers, etc.).  
34. **Boat Insurance** – Covers boats and watercraft.  
35. **Yacht Insurance** – Similar to boat insurance but for larger vessels.  
36. **Aviation Insurance** – Covers private and commercial aircraft.  
37. **Drone Insurance** – Covers drones for commercial and personal use.  
38. **Bicycle Insurance** – Covers high-value bicycles against theft and damage.  

### **Business & Commercial Insurance**  
39. **General Liability Insurance** – Covers business liability risks.  
40. **Professional Liability Insurance** – Also known as Errors & Omissions (E&O), covers professionals like doctors and lawyers.  
41. **Malpractice Insurance** – Similar to E&O, but for medical professionals.  
42. **Business Owner’s Policy (BOP)** – Combines business property and liability insurance.  
43. **Commercial Property Insurance** – Covers buildings, inventory, and equipment.  
44. **Commercial Flood Insurance** – Covers businesses against floods.  
45. **Business Interruption Insurance** – Covers lost income due to disasters.  
46. **Key Person Insurance** – Protects businesses against financial loss if a key employee dies or is disabled.  
47. **Workers’ Compensation Insurance** – Covers employees injured on the job.  
48. **Product Liability Insurance** – Covers claims related to product defects.  
49. **Cyber Liability Insurance** – Covers data breaches and cyberattacks.  
50. **Data Breach Insurance** – Helps businesses recover from data leaks.  
51. **Directors & Officers (D&O) Insurance** – Protects company executives from lawsuits.  
52. **Employment Practices Liability Insurance (EPLI)** – Covers workplace discrimination and harassment claims.  
53. **Commercial Crime Insurance** – Covers employee theft and fraud.  
54. **Inland Marine Insurance** – Covers goods in transit on land.  
55. **Ocean Marine Insurance** – Covers cargo transported over water.  
56. **Cargo Insurance** – Covers loss or damage to shipped goods.  
57. **Freight Insurance** – Similar to cargo insurance but covers specific shipments.  

### **Specialty & Niche Insurance**  
58. **Event Insurance** – Covers weddings, concerts, and other events.  
59. **Wedding Insurance** – Protects against wedding cancellations and damages.  
60. **Sports Insurance** – Covers injuries in professional and amateur sports.  
61. **Athlete Disability Insurance** – Protects pro athletes if they get injured.  
62. **Equine Insurance** – Covers horses for health issues and liability.  
63. **Pet Insurance** – Covers vet bills for pets.  
64. **Dog Bite Liability Insurance** – Covers legal costs if your dog bites someone.  
65. **Lottery Winner Insurance** – Protects businesses that offer big jackpots.  
66. **Kidnap & Ransom Insurance** – Covers ransom demands for kidnappings.  
67. **Political Risk Insurance** – Covers businesses against political instability.  
68. **Terrorism Insurance** – Covers losses due to terrorist attacks.  
69. **War Risk Insurance** – Covers damages due to war.  
70. **Hole-in-One Insurance** – Pays out when someone hits a hole-in-one at a golf event.  
71. **Alien Abduction Insurance** – A novelty insurance for alien abductions.  

### **Government & Financial Insurance**  
72. **Social Security Disability Insurance (SSDI)** – Government disability benefits.  
73. **Unemployment Insurance** – Provides benefits to unemployed workers.  
74. **Pension Insurance** – Protects pension funds.  
75. **Fidelity Bonds** – Covers businesses against employee dishonesty.  
76. **Surety Bonds** – Ensures contractual obligations are met.  
77. **Mortgage Insurance (PMI)** – Protects lenders if a borrower defaults on a loan.  
78. **Title Insurance** – Protects against property ownership disputes.  
79. **Deposit Insurance (FDIC/NCUA)** – Protects bank deposits.