Because when you buy a policy, you just take what it is you're buying as enough insurance. But do you really understand your coverages? Do you know what you are buying? We made this section to help inform you on insurance coverages. You might know something about what you have, but do you have enough to protect your assets?
Home Insurance
In the event of damage due to fire, hurricanes, lightning, vandalism, or other covered disasters, your insurer will compensate you so your house can be repaired or even completely rebuilt. Destruction or mutilation from floods, earthquakes, and poor home maintenance is generally not covered, and you may require separate riders if you want that type of protection. Freestanding garages, sheds or other structures on the property may also need to be covered separately using the same guidelines as for the main house.
Get A QuoteAuto Insurance
When you buy or lease a car, it's important to protect that investment. Getting auto insurance can offer reassurance in case you're involved in an accident or the vehicle is stolen, vandalized or damaged by a natural disaster. Instead of paying out-of-pocket for auto accidents, people pay annual premiums to an auto insurance company; the company then pays all or most of the costs associated with an auto accident or other vehicle damage. Each state has their own requirements on minimum amounts of coverages.
Get A QuoteLife Insurance
Life insurance acts as a financial safety net for your family. If you die while it’s active, your insurance company pays a sum of money to the people you’ve named in your policy. This money, known as the death benefit, can help your beneficiaries replace your lost income and cover expenses like housing, food, and utility bills. Life insurance can be used to pay for funeral expenses, cover outstanding debts, or leave a legacy for loved ones or charitable organizations. There are whole and term policies available.
Get A QuoteHealth Insurance
One of the primary functions of health insurance is to make health care more affordable while protecting us from the financial repercussions of accidents and unexpected illnesses that can easily add up to thousands and thousands of dollars. Healthy people and young adults may feel they don’t need health insurance, believing it is an expense they can forgo because they are rarely sick and have never spent a day in the hospital. But accidents and illnesses can happen to any of us at any time.
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