Enjoy The Summer With Proper Insurance

Having the right insurance policies for you and your family are important. There are different insurance needs for different people while in different stages of life. If you are not sure what type of policy you need, make sure to contact us. We can recommend the policies that are best for you, your family, and your possessions.

Homeowner’s/Renter’s

If a fire, tornado, or other disaster damages your home or your possessions, this insurance will cover your house and material belongings. It is a good idea to log your possessions in case you need to make a claim. If you do have homeowner’s insurance, make sure that you have guaranteed replacement cost.

Auto

Liability is insurance that covers anything that you caused in an accident, from damage to the car to the health of the humans on the other end. Another popular type of coverage is collision, which pays for your car if it is damaged or destroyed in a wreck. To save money, you can drop your collision or raise your deductible.

Health

If you do not have health insurance and need to go to the hospital, you will be paying those medical bills for years, maybe even decades. Depending on your health concern, you could be talking about hundreds of thousands of dollars here. Contact us and we can help determine which one best fits you and your family.

Disability

Many companies offer rates on long-term disability insurance to their employees. Some suggest choosing a policy where sixty five percent of your current income is covered and try to buy insurance that pays if you cannot perform the job that is required of you. You will still need to be fed and cared for, but you will not be able to generate an income.

Life

You will need to invest in a life insurance policy. Always go with term life because it is affordable for just about anyone and doesn’t include a bunch of rip-off fees. Plus, you can let the policy expire after you build up your retirement savings rather than being stuck with it forever. Unfortunately, about 39% of adults do not have life insurance. If you are not sure what type of insurance is right for you, make sure to contact us and we can advise you on the policies.