the right type of insurance is the one of the most important decisions
you can make. Insurance mitigates risks that help avoid financial loss.
The necessity of insurance cannot be undervalued as it is a critical
component to long-term financial success. There are several types of
insurance that provide protection to you and your family: home
insurance, health insurance, auto insurance, and life insurance.
As a homeowner it is your goal to protect one of your most valuable assets, your home. Homeowners insurance
or home owners insurance provides the desired protection against perils
to your home. The most common perils home insurance protects against
are lightening, fire, theft, hail, smoke, vehicles, accidental overflow
of water, falling objects, weight of ice/snow/sleet, freezing, and
more. Ignoring the critical role of home insurance by someone is done
at their peril.
Additionally, home insurance protects the assets within
your home, as well as provides a safety net against liability by having
a liability insurance component as part of the policy. Liability
protection offers you financial protection in case of any injuries and
property damage caused by you or your family members to others.
Moreover, the policy protects against damage caused by your pets.
healthcare insurance, or medical insurance is used to describe a type
of insurance that pays for medical expenses. Most people receive health
benefits from their work group health insurance plan and some derive
benefits from individual policies. In each case, health insurance
protects them from high or unanticipated healthcare expenses.
Affordable health insurance and low cost health insurance are
beneficial in many ways:
- Medical care is expensive. By having health insurance you protect your financial resources.
can avoid paying expensive medical bills and severe financial hardship;
one that you may not be able to extricate yourself out of.
proper insurance coverage, the only option you may have is the
emergency room which can cost 20 times more than routine care and you
are liable for the entire bill.
or car insurance is insurance protection taken out on cars, trucks, and
other vehicles. It offers protection against losses due to traffic
accidents and any resultant liability. Your car insurance company
covers any losses outlined in your auto policy. Auto insurance offers
property, medical, and liability coverage:
- Property coverage pays for damage and theft of your car.
- Medical coverage offers cost of medical treatment for injuries, rehabilitation, and in some cases lost wages
- Liability coverage pays for property damage or bodily injury caused by you.
is no longer seen as a luxury but a necessity by consumers. It provides
protection for your beneficiaries, your loved ones. The insurance
company agrees to pay a sum of money to the policy's beneficiaries
upon the insured's death or in the event of a terminal illness. Life
insurance is a foundation for successful long-term financial planning
for you and your family. Here are some important reasons to get life
- May help cover expenses such as, funeral costs, probate costs, estate administration, debts, and medical fees.
- Creates an inheritance for your beneficiaries
- Make charitable contributions, donate to your favorite charity
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- Home Insurance
- Health Insurance
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Looking for more information on your specific insurance
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