Do You Have All the Insurance that You Need?

When To Buy Insurance

It’s impossible to predict what will happen to you during your life, but it is possible to protect yourself from the unknown. Insurance is a necessity for most people, whether it be coverage on their vehicles, their home, or their life.

Even if you are just starting out, you should still have minimum coverage to protect you in all aspects of your life. Accidents, illness, and even the loss of a job can have a profound financial impact if you are not prepared for every situation.

It’s important to shop around for your life insurance and other coverage policies. You can work with a broker to help you bundle your policies and get the coverage that is right for you at a fair price.


All of your vehicles, including boats, RVs and other vehicles, should be properly insured. Protect all riders and passengers with a solid policy that will save you from hardship down the road. 

It is the law in every state that you must have your vehicle insured if it is to be driven on the road. If you are leasing a vehicle, your financial institution will probably insist on having a full coverage policy, including collision. If you own your vehicle, you can limit your policy to fire and theft coverage.


Choose between term or whole life coverage, depending on your needs. Term life insurance comes with generally lower premiums and simpler policies that have a specified ending date. 

Whole life insurance provides coverage until death, and a percentage of paid premiums are invested in a private portfolio which gains cash value over time.


You never know when disaster may strike, and your home is put in danger. Your home should have the basic coverage to protect your family and home from flooding, fire, and any other damage due to disastrous circumstances.

If you are renting or leasing a home or apartment, you should take out a renter’s policy to protect your belongings and your rights. It’s important for you to have liability coverage on any home or renter’s policy that covers any issues with injuries on your property.


If you do not have health benefits through your job, you will need to get coverage for your whole family. There are many policies and plans that you can find to suit your needs and your budget.


Most injuries happen while you are at work, so it’s important to have the right protection for your future in case of an accident. Your company should be able to provide you with some coverage through Workman’s Compensation but it may not be enough to cover all your needs.

Having an individual disability policy can ensure that your home and family will be protected if you are unable to continue working.

Give yourself the gift of having peace of mind by making sure that you have all of the insurance protection that you need. Covering the basics in your life, including your vehicles, your home, and your health, can help you to be prepared for anything. Work with a professional to help you bundle your policies, save some money, and get the coverage that will suit your needs.

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