Skip to content
Home » USA ISLAMIC INSURANCE – US TAKAFUL

USA ISLAMIC INSURANCE – US TAKAFUL

USA ISLAMIC INSURANCE - US TAKAFUL

What is an Islamic insurance in the USA ?

In the USA, an Islamic insurance or US takaful is a Shariah-compliant, cooperative risk-sharing arrangement in which policyholders (participants) contribute tabarruʿ (donations) into a pooled Participants’ Risk Fund (PRF) that pays claims.

In the USA, the halal Insurance or Takaful is applied to everyday needs, its offering can mirror standard coverages in a halal way; for cars, it can provide the legally required liability along with collision, comprehensive, uninsured/underinsured motorist, medical payments/PIP, and roadside benefits—contributions flow into the PRF, and claims are paid from that fund.

<!—wp:paragraph –>




For property, US homeowners/condo/renters and small-business packages cover perils (fire, theft, wind, liability) with clear exclusions and deductibles, while catastrophe exposure is supported by retakaful.

For family protection, American family takaful provides term-style death-benefit protection (and, where offered, savings components structured via PRF/SHF rather than interest-based accounts), alongside optional takaful-based mortgage protection and disability/critical-illness riders—all disclosed with Shariah-compliant fee/profit mechanics.

Which Islamic insurance companies are available in the USA ?

Here’s a concise state-by-state list of Islamic insurance options (where available) and Muslim cooperative / mutual-aid alternatives in the U.S.:

Nationwide (multi-state / online)

    • Ikhlas Insurance Group — Sharia-compliant life/health options; serves all 50 states. Ikhlas Insurance Group

District of Columbia / Maryland / Virginia (DMV) & Illinois

Minnesota

    • ZACAH – Zakat, Aid & Charity Assisting Humanity (Muslim-led mutual aid; Twin Cities). zacah

Florida

Massachusetts