Insurance

5 Insurance Policies; A Must Have

There are five basic insurance policies that you must have to cover any unforeseeable accidents.  However, keep in mind that not all insurance options are a good idea.

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Homeowner's or Renter's Insurance

If you are a homeowner, having a homeowner's insurance is a key investment into protecting your house from any damage, natural disaster, or burglary that occurs.  If you are not a homeowner, but do rent either a home or an apartment, having renter's insurance will protect your property inside your landlord's property.  As the landlord's insurance policy will not cover your property.

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Auto Insurance

In some states, having auto insurance is the law and is verified each year when your car's registration is due.  For other states it is not a law.  However, having auto insurance is actually a smart thing to have to not only protect your vehicle or the other involved vehicle if you were in an accident, but protects you financially too.  Liability insurance covers only the vehicle you are in a accident with and are at fault.  Collision insurance, on the other hand, covers your vehicle as well.  Now if your vehicle is damaged by other than being in an accident or is stolen, than you would want to have comprehensive insurance.

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Health Insurance

Health insurance is an absolute must to cover your medical expenses and to prevent the number one reason an individual files for bankruptcy, medical bills.  Your family has plenty of options for the varied coverages available.

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Life Insurance

No one wants to think about having life insurance.  But it should be a topic of discussion.  As having good life insurance coverage can give you peace of mind that you are leaving your family with a good financial cushion as part of your legacy.  The best life insurance policy to choose is term life insurance and a great company, that we also use, to provide this is Zander Insurance, not sponsored.

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Disability Insurance

Unfortunate accidents and illness do happen.  When they do, be prepared and financially covered for those missed days of work by purchasing a disability insurance coverage.  even though your employer may provide a small policy, purchasing your own individual policy is extra coverage help your finances from dwindling due to bills.  if your employer does not cover at least 70% of your net take home pay, than purchasing your own coverage is the wise thing to do.