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Consumer Guides
The Independent Insurance Agents of America offer consumer guides for many different types of insurance and risks.
The following guides are available on the IIAO website.
For additional consumer guides, please visit the Independent Insurance Agents & Brokers of America.
| Graduate's Guide to Insurance | | Graduating is an exciting rite of passage and you are to be congratulated for your achievements. Life offers many other exciting opportunities; however, these opportunities are accompanied by certain risks. Insurance is your major protection against financial risks, and knowledge about basic insurance facts can make you a better consumer.
This guide was designed by the Independent Insurance Agents & Brokers of America to introduce you to the different types of insurance, which ones you need and which ones you don't. While this guide addresses the most common questions about insurance, your insurance agent can answer your specific questions, and make sure you have the coverages you need.
| | Guide to Automobile Insurance | | With more than 150 million drivers and 160 million registered vehicles on the road today, auto insurance is the most widely purchased of all property-liability insurance. Drivers buy auto insurance for economic protection against theft, vandalism, and other risks, but few are familiar with the ins and outs of their particular policy.
This guide was designed by the Independent Insurance Agents of America to make it easier for you to know your insurance needs and the many options available to you. Though this guide does not represent the provisions of any particular policy, it should serve as a starting point on your road to finding the best policy for your needs. | | Guide to Homeowners Insurance | | Whether you are a first-time home buyer, a veteran of many years of mortgage payments and house upkeep, a condo owner or an apartment dweller, your household is one of some 90 million in the United States. Chances are your home is your single most expensive budget item and - for the home or condo owner - your most valuable investment. Homeowners insurance* is a "package" policy that covers both property - structures and personal possessions - and liability.
Your insurance agent can explain your policy in detail. To get you started, this guide from the Independent Insurance Agents of America outlines the key areas of coverage as well as any exclusions or limits that might apply.
| | Guide to Small Business Insurance | | If you own your own business or are a partner in one, you're probably already familiar with risk. After all, few things in life are riskier than launching and running your own small business. Part of the risk of any small business is the loss of critical tools and property or liability to others. Either of which can cause loss of income or even force you to close your doors. Created by the Independent Insurance Agents of America, this guide does not represent the provisions of any particular policy, but it can serve as a starting point to a complete package of protection.
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