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.
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
- Muslims for Just Futures (mutual-aid fund & guaranteed income program; DMV + Chicago). Muslims for Just Futures
Minnesota
- Najaah Companies (takaful-style/Islamic finance services; Minneapolis). najaahcompanies.com
- ZACAH – Zakat, Aid & Charity Assisting Humanity (Muslim-led mutual aid; Twin Cities). zacah
Florida
- Muslim Women’s Organization (Orlando) — community assistance / mutual-aid programs. Muslim Women’s Organization
Massachusetts
- MAS Boston – MAS Mutual Aid — emergency relief & support. Muslim American Society – Boston
ISLAMIC-CAR-LOAN AUSTRALIA USA UK ISLAMIC-LOAN-WITHOUT-INTEREST SOUTH-AFRICA CANADA ISLAMIC-PERSONAL-LOAN ISLAMIC-LOAN-CALCULATOR ISLAMIC-BUSINESS-LOAN ISLAMIC-LOAN-FOR-STUDENT HALAL-MORTGAGE BELGIUM NETHERLANDS ISLAMIC-COLLEGE SCHOLARSHIP LIST-OF-ISLAMIC-BANKS UAE ISLAMIC-LIFE-INSURANCE ISLAMIC-LEASING ISLAMIC-CAR-INSURANCE IRELAND INDIA GERMANY QARDH-UL-HASAN IJARAH-WA-IQTINA USA-ISLAMIC-INSURANCE INDIA-ISLAMIC-INSURANCE SPAIN UK-ISLAMIC-INSURANCE MOROCCO SWEDEN ISLAMIC-LOAN-FOR-STARTUP NEW-ZEALAND ISLAMIC-HEALTH-INSURANCE ISLAMIC-TRAVEL-INSURANCE ISLAMIC-CREDIT-CARD IJARA HAWALA ISLAMIC-FUNERAL-INSURANCE NORWAY DENMARK MALAYSIA MURABAHA FRANCE QATAR ITALY ETHIOPIA CANADA-ISLAMIC-INSURANCE PAKISTAN MOSQUE-INSURANCE SWITZERLAND AUSTRALIA-ISLAMIC-INSURANCE ALGERIA AUSTRIA-ISLAMIC-LOAN SINGAPORE EGYPT LONDON-ISLAMIC-LOAN