When renting a house in the United States, tenants also need to purchase a "tenant's insurance" to protect the interests of their property from loss. There are different types of tenant insurance in the United States, and there is a big difference between the replacement cost and the actual value covered by the insurance. In addition to allowing tenants to smoothly replace furniture and items after accidents such as fire or theft, more importantly, this type of insurance comes with liability insurance.

The US health insurance system is a complex and multi-layered system, characterized by the dominance of commercial health insurance and the supplementary role of government health insurance programs.