Your Family Deserves the Best
* Limited Liability
* Uninsured/Underinsured Motorist
* Comprehensive Coverage
* Collision
* Dwelling
* Personal Property
* Liability/Medical expenses
* Weather Damage
* Flood Insurance
* Landlord Insurance
* Renter’s Insurance
Having insurance for your vehicles is essential because it covers your expenses in the event of vehicle damage or injuries to other drivers, passengers or pedestrians. All motorists MUST be insured against their liability to other people, as required by the Road traffic Act of 1988. It's the law.
Homeowners insurance covers damages caused by unforeseen circumstances, such as fires or natural disasters. The policies also cover loss or damage of personal property due to theft or other events. Unlike driving a car, you can legally own a home without homeowners' insurance. However, if you finance your home with a mortgage, your lender most likely will require you to have home insurance coverage and show them as protected for a complete loss of property.
Renters Insurance---You need renters’ insurance to protect your personal belongings in the evet of a fire, theft, or damage within the property that you are renting. You also need the liability coverage for damages caused by negligence.
Most people cannot afford to pay the high cost of health care on their own. That’s where health insurance come in. You pay a premium each month, and your insurance company pays for a portion of the covered medical cost. The insurer may be able to negotiate better rates from the doctors and other healthcare provides. So instead of you paying hundreds of dollars in out of pocket costs for doctor visits, or thousands for a surgery, you pay a lesser amount depending on the plan that you select.
Other types of health insurance may cover more than just medical services;
Prescription drugs | Dental care | Vision care
However, as we grow older, get married, build families and start businesses, we come to realize more and more that life insurance is a fundamental part of having a sound financial plan. Depending on your type of policy, life insurance is fairly cheap, which means there’s NO excuse not to get coverage now. Plus, over the years, you’ll find comfort in knowing money will be available to protect your loved ones in the event of your passing.
Here are a few other reasons why having life insurance is important;
Each of these questions lead us to different life insurance strategies. A good insurance agent will ask you several questions about your financial situation, family needs and health status. All of these questions will direct us towards the very best way to protect your family with the least amount of financial outlay.
There are many different life insurance policies, but here are the 3 most popular:
Regardless of your age, financial situation or health…a life insurance strategy is a critical conversation you must have with your insurance professional. We welcome the opportunity to share our knowledge with you.
We can help, just let us know where to contact you.
(915) 542-0900
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