Anyone who has been in a car collision understands the importance of having vehicle insurance. All states mandate owning at least basic liability protection. Liability protects you from being responsible for damages or injuries you cause to others in a collision. You can also choose from several other types of vehicle insurance with different levels of protection. Medical payments coverage insures medical costs for anyone traveling in your car. You can also purchase uninsured motorist coverage that protects you from drivers with little or no insurance. Being familiar with all your insurance options and selecting the correct plan can save you money and help protect you and your family in case of an accident.
Home Insurance
The disadvantages of home ownership without insurance can be very costly. If your house is damaged or destroyed by flood, fire, or some type of natural disaster; you will be liable for the complete cost of rebuilding your home. Home insurance may also be able to restore your personal possessions or protect you if you are liable for damage to another person's property or an injury sustained at your home. Along with that, you could also receive coverage to handle court fees and food and lodging if you have to leave you home. Meeting with an insurance agent can help you determine which type of insurance best fits your life and budget.
Renters Insurance
Broken or frozen pipes. Flood or fire damage. An unexpected theft. Such events and many others can cause the belongings of a renter to become damaged, destroyed, or stolen. Because a renter's possessions are likely not insured by their landlord's insurance, a renter should have an active and comprehensive renters insurance plan. This coverage can replace those belongings and also provide for other expenses like liability, medical charges, court fees, and hotel accommodations. Make sure you are taken care of when you have renters insurance coverage. independent insurance agency 44087