Insurance
Insurance Worksheets and Lesson Plans for Teachers
Classroom-ready video lessons and worksheets for teaching insurance — car, renters, and homeowners coverage, plus the core ideas of premiums, deductibles, and managing risk. Grades 8–12 and adult ed.
About This Section
This section brings together MoneyInstructor insurance video lessons and worksheets for teaching how insurance protects people financially against the unexpected. Materials span Grades 8–12 and adult education.
Students learn the vocabulary that runs through every policy — premium, deductible, coverage, claim, and liability — and then apply it to the three kinds of insurance they’re most likely to meet first: car, renters, and homeowners. Each card shows the resource type and what’s included free vs. with a MoneyInstructor membership.
Featured Resources
Insurance lessons for high school and beyond
Video lessons and printable worksheets from the MoneyInstructor insurance library — start with the everyday policies students will need as new drivers, renters, and homeowners.
Everyday Insurance
Car Insurance Worksheet Generator
Make car-insurance worksheets — students read a table of four providers’ monthly premiums at 50/100/25, 100/200/50, and 150/300/75 liability coverage and compare them (cheapest, how much more per month and per year), with a built-in answer key.
Full Members · Generator
Health Insurance Worksheet Generator
Make health-insurance worksheets — students read a table of four plans (employee-only, +1 dependent, and +2 dependent monthly rates) and compare them (cheapest, how much more per month and per year), with a built-in answer key.
Full Members · Generator
Insurance & Risk — 5-Day Curriculum Unit
A complete teacher-ready week on insurance as a trade rather than a purchase — which risks to hand to somebody else and which to keep, the four numbers on any policy, what a claim actually pays, and why a deductible you cannot pay is a policy you cannot use. Free printable pacing guide.
Grades 9–12 + Adult · 5-Day Unit · Free Pacing Guide
What is Car Insurance? Video Lesson
The basics of car insurance — why you need it, key terms (premium, deductible, claim), and the main coverage types from liability to comprehensive.
Grades 9–12 + Adult · Video Lesson · Free Lesson / Member Worksheet
What is Renters Insurance? Video Lesson
How renters insurance protects personal property, liability, and living expenses — and how to estimate how much coverage you need.
Grades 8–12 + Adult · Video Lesson · Free Lesson / Member Worksheet
Homeowners Insurance Explained Video Lesson
What homeowners insurance covers — dwelling, personal property, and liability — plus how to choose a policy and file a claim.
Grades 9–12 + Adult · Video Lesson · Free Lesson / Member Worksheet
Types of Insurance
A survey of the major types — home, life, health, disability, auto, social, workers’ comp — and what each covers.
Grades 9–12 · Lesson + worksheet · Free Lesson / Member WorksheetRelated — Risk & Payroll
Prepare Your Finances for an Emergency
Where insurance fits in a broader plan — emergency funds, the right coverage, and protecting key documents against the unexpected.
Grades 9–12 + Adult · Video Lesson · Free Lesson / Member Worksheet
Health Insurance & Payroll Deductions Generator
Word problems comparing health insurance plan options and calculating monthly payroll deductions for premiums — tying coverage to take-home pay.
Grades 9–12 · Interactive Generator · Full MembershipInsurance Explained
Background reading for students and families
Short, plain-English explainers covering the terms that appear on every policy and quote. Assign them as pre-reading, hand them to a student who needs the vocabulary before the lesson, or share them with parents.
What Is an Insurance Premium?
What you pay to keep a policy active — how premiums are set and why they change.
What Is a Deductible?
The amount you pay before coverage kicks in, and how it trades off against your premium.
What Is an Insurance Claim?
How filing a claim actually works — from the first call to the payout.
Types of Car Insurance Coverage
Liability, collision, comprehensive, and the rest — what each one pays for.
What Is an HMO?
How health maintenance organizations work — networks, referrals, and costs.
What Is a PPO?
Preferred provider plans — more choice of doctors, and what that flexibility costs.
What Is Term Life Insurance?
An overview of life insurance — how term policies work and who they are for.
Renters Insurance Explained
What a renters policy covers, what it costs, and why landlords often require it.
Homeowners Insurance Explained
Dwelling, personal property, and liability coverage — a beginner’s guide.
Grade Level Guide
Insurance resources by grade level
Introductory risk and renters insurance concepts — what insurance is and why it protects you.
Core insurance vocabulary — premium, deductible, coverage, claim — through car and renters insurance.
Comparing policies, homeowners coverage, exclusions, and filing claims in real-world scenarios.
Choosing the right coverage and connecting insurance to a complete personal financial plan.
These resources are part of the full MoneyInstructor library
Members get unlimited access to worksheets, lesson plans, and teacher resources across every financial literacy topic — insurance, budgeting, credit, banking, and more.
Related Topics
More financial literacy resources
Housing
Renters and homeowners insurance in the unit they belong to — the whole renting-and-buying-a-home picture.
Budgeting
Income, expenses, emergency funds, and personal budget planning.
Banking
Accounts, interest, mortgages, and managing money safely.
Investing
Risk and return, bonds, funds, and building long-term wealth.
Life Skills
Renting, buying a car, paying bills, and the everyday decisions insurance protects.
Career & Work
Paychecks, benefits, and payroll deductions — where health coverage starts for most people.
High School Money Skills
A grade-by-grade guide to the personal finance topics students need before graduation.