Five types of insurance for American immigrants

With the improvement of people's living standards, more and more people plan to immigrate to the United States. What basic insurance should I buy after immigrating to the United States? Next, let's look at five kinds of insurance that American immigrants must buy. Welcome to reading.

First, housing and residential insurance.

Home insurance is the insurance most closely related to the life of new immigrants in the United States. Housing owner insurance is the most closely related to the average person. If you have a house for rent, you should take out tenant insurance (fire insurance). The housing owner's insurance policy covers a wide range of compensation, including not only the comprehensive insurance of the house itself, but also the personal responsibility for accidents caused by life reasons. Therefore, not only people who own houses need to take out this kind of insurance, but also people who generally rent apartments can join the ranks of buying insurance.

Housing and residential insurance projects include:

1. Damage caused by fire

2. Damage caused by theft

3. Damage caused by lightning strike

4. Damage caused by car invasion or plane landing

5. Damage caused by things falling from the sky

6. Damage caused by wind disaster

7. Damage caused by vandalism or riots

8. Damage caused by water pipe failure

9. Damage caused by stolen property in the car

10. Damage to property outside the house

Except for accidents caused by floods, earthquakes and tsunamis, almost all other disasters are covered by this insurance. The amount of compensation shall not exceed cash 100 yuan. Securities 500 yuan, gemstone watch 500 yuan, and other valuables with a value exceeding that of 500 yuan must be registered separately, and property insurance shall be handled and premiums paid.

Ersa health medical insurance

In the United States, the cost of medical treatment and hospitalization is relatively high. Without insurance, once you get sick, your life savings may be ruined. The average American company has health insurance benefits, because it is insured by the company account group, so the premium is very low. Some companies pay all the premiums, but employees don't have to pay them.

However, due to the different insurance contents of different insurance companies, it is necessary to pay attention to whether the company's insurance covers the cost of giving birth and treating teeth. If there is no company insurance, try to buy general family health insurance. Especially families with many children are more likely to go to the hospital. If they don't buy insurance, their hard-earned money will be hard. Health insurance in the United States is divided into medical insurance, dental insurance and income compensation insurance according to the insurance content.

Shansha automobile insurance

Auto insurance in the United States is not compulsory, and different States have different regulations. If you need to borrow money from a bank or loan company to buy a car, buying insurance is a necessary condition for the loan. In this case, you must buy all the insurance. If you don't have a loan from the bank, you have the right to choose to buy all insurance or just liability insurance.

Generally speaking, the so-called automobile total insurance includes the following six main special items:

1. Physical injury damages others;

2. Compensation for damage to other people's property;

3. Medical compensation for others' injuries has its own medical expenses;

4. When an uninsured or underinsured car accident occurs, compensate the other party for the loss of uninsured or underinsured amount;

5. The compensation of collision deductible for his car collision repair fee;

6. Comprehensive insurance.

Si Xia life insurance company