Florida SS.4.FL.6

Social Studies4th Grade

Florida Standard (Benchmark Cluster)

Protecting and Insuring

Florida Next Generation Sunshine State Standards for Social Studies

Cluster contents

SS.4.FL.6 is a Florida social studies standard. These are the benchmarks under it.

Teacher's field guide

What Students Need to Do: Students explain how insurance can reduce the financial cost of accidents, damage, illness, or loss. They identify what common types of insurance protect and why people pay for coverage.
What Mastery Looks Like: Students match a risk, such as a car crash or house fire, with an appropriate type of insurance. They explain that insurance limits financial loss but does not prevent the event.
Common Misconceptions: Students may think insurance prevents accidents or replaces every lost item at no cost. They may also confuse an insurance payment with money saved in a bank account.
How to Assess It: Give students this prompt: “A storm damages a family’s roof. How could insurance help, and what would it not do?”

Lesson moves

Give groups event cards and insurance cards, then have them match each risk with the coverage that could reduce the financial loss.
Ask students to write: “Why might a family pay for insurance even if they never make a claim?”
Play Risk Match, where teams earn points by pairing events such as theft, illness, or crashes with suitable insurance types.
Show a sample phone protection plan and compare its cost with the price of replacing a damaged phone.

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