The research aims to detecting the factors that play an effective role in determining the level of insurance awareness in a specimen of household heads in Lattakia city, It included (438) household head using factorial analysis method to analyze questionnaire data made to measure the level of the insurance awareness at the specimen individuals. This measurement included many indexes to measure both of the cognitive and the elective dimensions of insurance awareness. the cognitive dimension includes three variables (fear of danger, apprehension of the need for insurance, and acquaintance of available insurance types). The elective dimension includes two main variables (the intention of carrying out insurance, and having a specific attitude towards insurance). The research showed that there is two main factors determining the level of the insurance awareness at the individuals of the studied specimen. The first factor is related to the social factors that surrounds the individual, while the second one is related to personal factors.