Having just graduated from college and get married, I'm at a loss for where to start when it came to insurance because my parents always handled for me. However, my husband and I had to know what kind of insurance we needed to protect ourselves against the unknown. I'm sure many of you in the youth of today are in the same position that I was asking you, "? What types of insurance do I need" As someone who has recently experienced this uncertainty, here are my recommendations:
- Car Insurance - If you are in an accident or stopped, the first thing the officer will ask to see your license, registration, proof of insurance . Car insurance is very important - it not only covers you and your vehicle, but liability insurance covers the expenses incurred by the other party if you are at fault. If you do not have liability insurance and an accident is your fault, your insurance will not cover the fees and you will have to pay for your own pocket. Yikes
- Homeowners Insurance - Do you own or plan on owning a home? Buying a house is a big investment you want to make sure you are protecting. If there is a fire, tornado, blizzard, or other disaster that causes damage, you'll want to make sure you have taken the precaution and assured your home. If cooking in your brand new home catches on fire accidentally, insurance can cover expenses after your deductible is met
- Renters Insurance - You might say :. "I do not own my home. I rent my house / apartment / condo." Well, you're in luck because it is the guarantee for you! The owner (I hope) provides the current structure for damage, but you want to make sure your belongings are covered in case it is stolen or damaged. renters insurance protects your personal property inside the dwelling. This type of insurance is particularly important for students who rent an apartment
- Life Insurance -. I am recently married, and I just bought a house and a car. Because I had to take a loan for them, I did not have until I repay the loan. If something were to happen to me, my husband would have to pay for the loans itself. If he could not repay the loans without my income, the bank take the house and the car away from him. However, because I have life insurance, I am hopeful that my policy would limit specified an amount sufficient to pay for the house, car and other necessary items. Life insurance gives peace of mind to those of our family and loved ones in the event of a tragedy.
Talk to your local independent agent today to find out what type of insurance you need to protect yourself and your loved fully. When tragedy strikes, you want to ensure you're protected!
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