The FDIC’s basic insurance limit is $250,000 per depositor. The insurance coverage limit applies per insured bank for each ownership category. Certain retirement accounts, such as individual retirement accounts, are also insured up to $250,000 per depositor per insured bank. If you have a combined amount of $250,000 or less in all of your deposit account categories at the same insured bank, you do not need to worry about your insurance coverage, as your deposits are fully insured.