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Insurance · 7 guides · 1 calculators

Insurance: what each policy covers

Health Marketplace plan levels, auto, homeowners, flood, renters and life insurance explained — what is covered, what is not, and how to shop.

Figures from official sources · Checked 30 September 2026
60%Bronze / Silver / Gold / Platinum plan pays (60% / 70% / 80% / 90%)
Nov 1 – Jan 15Marketplace Open Enrollment
Typically 30 daysNFIP flood policy waiting period
See FDIC & SIPCDeposit / investment insurance
📈60%Bronze / Silver / Gold / …
💵Nov 1 – Jan 15Marketplace Open Enrollme…
🛡️LEARN SMARTER
🎯Typically 30 daysNFIP flood policy waiting…
✅See FDIC & SIPCDeposit / investment insu…
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👋 Start here

Health insurance Marketplace plans: metal levels and open enrollmentMarketplace plans come in Bronze, Silver, Gold and Platinum levels. The level tells you how costs are split, not the quality of care.Auto insurance coverage types explainedLiability, collision, comprehensive and uninsured-motorist coverage do different jobs. State minimums vary, so check your state.Term vs whole life insuranceTerm life covers a set period at a lower cost; whole life is permanent, builds cash value and costs more.

🔢 Key numbers

ItemFigureSource
Bronze / Silver / Gold / Platinum plan pays60% / 70% / 80% / 90%HealthCare.gov (average)
Marketplace Open EnrollmentNov 1 – Jan 15HealthCare.gov
NFIP flood policy waiting periodTypically 30 daysFEMA
Deposit / investment insuranceSee FDIC & SIPCFDIC · SIPC

Each figure links to the guide that explains it and lists the official source. Rates and limits change — always confirm with the source or provider.

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All insurance guides

📄Health insurance Marketplace plans: metal levels and open enrollmentMarketplace plans come in Bronze, Silver, Gold and Platinum levels. The level tells you how costs are split, not the quality of care.📄Auto insurance coverage types explainedLiability, collision, comprehensive and uninsured-motorist coverage do different jobs. State minimums vary, so check your state.📄Homeowners insurance: what it covers and what it does notA standard policy covers your home, belongings and liability, but most policies do not cover flood damage.📄Flood insurance and the National Flood Insurance ProgramMost homeowners and renters policies do not cover flood. Flood insurance is a separate policy with a typical 30-day waiting period.📄Renters insurance: what it coversRenters insurance covers your belongings and your liability, not the building — your landlord’s policy does not cover your things.📄Term vs whole life insuranceTerm life covers a set period at a lower cost; whole life is permanent, builds cash value and costs more.📄How to shop for insurance and compare quotesCompare the same coverage and limits across insurers, and use your state insurance department to check licenses and complaints.

🧮 Calculators

🛡️Life Insurance Needs CalculatorOpen calculator
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❓ Frequently asked questions

Does homeowners insurance cover flood?

Most homeowners policies do not cover flood. Flood insurance is a separate policy, typically with a 30-day waiting period.

What does renters insurance cover?

Your belongings and your personal liability — not the building. Your landlord’s policy does not cover your things.

Term or whole life insurance?

Term covers a set period at lower cost; whole life is permanent and builds cash value but costs more. Choose based on how long your need lasts.

How do I compare quotes?

Use the same coverage, limits and deductibles for each quote, and check your state insurance department for licensing and complaints.

General information, not financial, tax or legal advice. See our editorial policy and disclaimer.