General insurance purchases describe policies that are commonly needed by individuals for decent personal protection. This type of insurance is designed to protect individuals in the event of an emergency or crisis situation. Policies that can fall into this category include homeowners, medical, dental, automobile, rental, liability, life and even disability insurance. General insurance coverage policies are typically readily available to consumers. Pricing can vary greatly based on the coverage type, the limits of a policy and any deductibles that may be involved.