What Insurance Do I Need?

Protect yourself from life’s unexpected but inevitable bumps in the road with insurance policies protecting your property, income and health. Without insurance, an illness or accident could have a detrimental effect on your financial well being. Auto and mortgage lenders insist on insurance. Auto insurance coverage is mandated by law, and now health insurance coverage is mandatory. So make adequate insurance coverage a component of your financial plan.

Make sure you are covered by including the following types of policies:


An auto insurance policy covers repairs after an accident, damages to your car caused by theft, or vandalism and pays for injuries or property damage that you may cause in a car accident.


Homeowners insurance covers your home’s physical structure and personal items for damages caused by natural disasters and protects you against accidents and injuries caused to visitors on your property. Mortgage lenders require that you carry insurance for the length of your mortgage and generally require a minimum amount of coverage.


An umbrella policy is extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It does this in two ways: Provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies

Renter’s insurance covers your personal property and protects you from liability claims. It may not be required by your landlord, but it is an important and relatively inexpensive way to protect your possessions

Health insurance protects you from the risk of a medical-related bankruptcy and offsets the high cost of medical care.


Life insurance provides income for your family upon your death and pays for funeral and burial costs.


Disability insurance protects your income by providing income for your family if you are unable to work due to an accident or illness.

Long-Term Care Insurance
Long-term care insurance provides assistance with daily living due to illness, injury or aging.

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