Having insurance is important in order to protect yourself and what you own. You can find an insurance policy that cover almost anything imaginable, but there are only a handful of policies that you actually need. Some types of insurance can protect your possessions, income, and even provide for a loved one when you are gone.
Health insurance is a necessary policy to have. Good health allows you to work and earn money, as well as enjoy life. If you come down with an illness or have an accident without health insurance, you may find that you are unable to receive proper treatment. Many employers will provide health insurance benefits to full time and sometimes part time employees. If you do not currently have health insurance, make sure to contact us so we can set you up with the right plan.
Another insurance policy you can invest in is life insurance. This is recommended to have if you are married or have children. When you are gone, you create an income gap, which could put your spouse or children in financial trouble. This can also create more stress on the family during a difficult time. Many employers offer basic life insurance as a benefit, so make sure to check with them first. Otherwise, you can contact us and we can provide the right coverage for you.
You should also make sure you have homeowners insurance. For many people, their home is their greatest asset, so it is vital to adequately protect it. If you rent your home instead of own it, you should get renters insurance. Your possessions inside your home can add up to a significant amount of money. If there was a fire, natural disaster, or burglary, you should have a policy that will cover most of the replacement costs.
You can also invest in auto insurance. This will help protect your vehicle incase it gets damaged and you would like to repair or replace it. Most automotive policies can also cover bodily injury or death of another person in an incident that you are legally responsible for. You can also find medical payment coverage that pays for medical treatment for you and your passengers during an accident, regardless whose fault it might be. If you have any questions about your current insurance policy or any other ones, make sure to contact us so we can answer your questions.