You’re probably thinking, “if the insurance is not required, then why do I need it?” Insurance isn’t the most desirable thing to WANT, but you do NEED it. Even when it’s not obligated. The point of it, after all, is for the long-run protection so you don’t have to worry about the expenses that occur after the accident or devastating event. Here are the 5 essential insurance policies for every household that will help you be at ease if anything ever happens.
Auto
Are you a safe driver? Do you prefer to pay-in-full on your premium? Does your household have multiple cars?
If answered yes to any or all of these questions, then you’re eligible for some auto discounts! We all LOVE coupons, so finding extra car insurance discounts just completes the shopper in you.
Umbrella
Why do I need umbrella insurance for my auto, home, rental properties, boats, etc if I already have insurance for those things?
Just like an actual umbrella, if you’re carrying costly books, expensive baggage, and other necessities in the rain, wouldn’t you want an umbrella to protect those items from getting damaged? You need this in case you exceed the liability limits of your existing policies.
Personal Articles
Remember your reaction when you saw your wedding/engagement ring for the first time? Or how about when your family member gave you a family heirloom?
We want your precious valuables to be protected in case something ever happens to them.
Life
If we’re all going to die eventually, then what is the point of paying for life insurance? Have you ever thought about how your family will afford funeral expenses?
A person’s death isn’t the only occurrence that life insurance is useful for. It may also help with housing costs and medical bills not covered by health insurance, children’s college, debts etc.
Health
Do you have a child (or even yourself) that does physical activity, such as sports? Or even drives a car?
Health insurance covers the cost of medical and surgical expenses. So when someone gets hurt from a car accident or a sports’ injury, don’t shove it off, have the insurance so they can get well and continue doing the physical activities they do.
