What insurance do American immigrants need to buy after entering the country?

1, housing insurance

The housing owner's insurance policy covers a wide range of compensation, including not o

What insurance do American immigrants need to buy after entering the country?

1, housing 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. Malicious damage or damage caused by *

8. Damage caused by water pipe failure

9. Damage caused by stolen property in the car

10. Damage to property outside the house

2. Medical insurance

The cost of hospitalization in the United States 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.

3. Car 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 collision deductible compensates for the repair cost of your car collision and collision;

6. Comprehensive insurance.

4. Income compensation insurance

This kind of insurance is to ensure that the insured can't work due to illness or accidental injury, and the insurance company will compensate a certain amount (generally 50% ~ 60% of income) every month for a period of time (usually half a year). The premium of this kind of insurance varies according to the risk of the industry.

5. Life insurance

In America, life insurance has become a system for people to protect themselves and their families. From the president to the ordinary people, they used bank money when they were alive and insurance company money when they died. Life insurance in the United States can be roughly divided into life insurance and term insurance.

1. Life insurance

This kind of insurance is generally called savings life insurance. The insured pays a certain premium every month according to the insured amount. Before the insurance expires, if the insured dies unfortunately, the insurance company will compensate the beneficiary according to the insured amount. If the insured is still alive after the expiration of the term, he can pay the cash value accumulated for many years in installments or in one lump sum for providing for the aged or for the education of his children.

2. Term life insurance

This kind of insurance is generally called short-term insurance. According to the length of insurance period, it is usually divided into three types: one year, five years and ten years. The insured pays a certain premium within a certain period of time. If the insured dies within the period, the insurance company will compensate the beneficiary according to the insured amount. It will automatically expire after it expires, and there is no interest, bonus or present value of deposit to get back. The premium of this kind of insurance is relatively cheap, but the premium is gradually increasing.

6. Commercial insurance

In order to bear the loss of commercial litigation, companies buy commercial insurance, which can be roughly divided into the following four items:

1. Object-Object refers to damages caused by natural disasters such as floods or the theft of company property. The content is roughly the same as the housing insurance;

2. Industrial accident-Industrial accident insurance is compulsory. If employees are employed, they must take out this insurance. In case employees are injured at work, the insurance company is responsible for compensating employees for their losses;

3. Liability compensation-Liability compensation is the liability insurance that everyone is most concerned about. In recent years, the number of cases brought by American people against enterprise groups has increased sharply, among which the representative case is the verdict on Pinto brand cars manufactured by Ford Motor Company of the United States. Due to the design problem of the fuel tank of this car, the passenger died in a car accident, and the judgment of the US court ordered Ford to pay compensation as high as 3.5 million yuan. Generally speaking, the requirements of the American government for products are quite strict, so product liability insurance is highly valued in the United States.

4. Commercial vehicles-this refers to the insurance of vehicles used for commercial purposes, such as taxis, express delivery vehicles, postal vehicles, etc.