As the new year starts, you will want to make sure you have all the insurance coverage you need. If you own a house, you will want to have homeowners insurance. If you are not sure what type of insurance you would need for your home, make sure to contact us. We can advise you on the options that you have, as well as recommending what that is best for you and your home. You can also have automotive insurance. This will help incase you are involved in an accident. No matter what year your car is, auto insurance is a must have. You will also want to sign up for health insurance. If you are twenty five or younger, you may still qualify to be on your parents’ policy. If you are older, you will want to choose a health insurance policy that is right for you. There are several different options that are available depending on deductibles. Make sure to call us to set up an appointment so we can explain the different options and what they mean for you and your family.
Another type of insurance that you can purchase is disability insurance. This will replace the income incase you become incapacitated while you are working. Disability insurance is typically recommended when only one person in the home has an income or one has a much larger income than their spouse. You can also look into purchasing life insurance. Generally, you buy a life insurance policy after you are married or have a child. If a death would crate a financial hardship for those you leave behind, then it is recommended to purchase this policy.
Additional options you have would be investing in an umbrella policy. This is an extra amount of liability coverage that protects over and above your personal and auto liabilities incase they become exhausted. No matter what insurance policy you are looking for, or want to learn more about the ones available, make sure to contact us. By having insurance, you can make sure that you and your possessions are covered incase of an emergency.