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In addition to the programs mentioned above, the federal and state governments and their agencies provide many other forms of insurance. For example, bank deposits, savings in thrift institutions, and accounts in credit unions are insured by government agencies. Other agencies, such as the Federal Housing Administration, provide insurance on mortgages and other government-insured loans. The National Flood Insurance Association offers flood insurance and federal crime insurance is provided in some high-crime areas, since private insurance coverage is unavailable or cost prohibitive.
Private insurance companies can be either stock companies or mutual companies. A stock company is a profit-making company. The shareholders own the company, and profits are returned to them in the form of dividends. A mutual company is a nonprofit cooperative; it is owned by its policyholders. Profits are returned to the policyholders in the form of dividends or reduced insurance premiums.