Insurance in the United States plays a vital role in protecting individuals, families, and businesses from unexpected financial losses. This guide breaks down the basics of how insurance works, covering key types such as health, life, auto, home, and business insurance. It explains why insurance is important, how to select the right policy, and what new policyholders should keep in mind. Designed for beginners, the article helps readers understand their options and make confident decisions when it comes to choosing insurance coverage in the U.S.