Auto insurance protects you, and others, from financial ruin in the
event of an auto accident. It also comes to the rescue if your car
is vandalized, catches on fire or is stolen. Beyond protecting
you financially, auto insurance is a social responsibility. Those
who drive without insurance, and without the ability to pay for damages
they cause, put others at great financial risk.
Auto insurance is comprised of:
- Bodily injury liability
- Property damage liability
- Medical payments or Personal Injury Protection (PIP)
- Uninsured/Underinsured motorists coverage
Read more about Automobile Insurance.
When shopping for home insurance, there’s much more to consider than
how much your coverage will cost. You need to buy the right type of
policy. You need the proper level of protection, plus special provisions
for valuables such as jewelry, your computer equipment and other possessions.
You might also need additional coverage for such things as earthquakes
Read more about Home Insurance.
BUSINESS & COMMERCIAL INSURANCE
Few things in life are riskier than launching and running your own
business. You needn't compound that risk by neglecting your business
insurance needs. Protecting your business from financial disaster
will not only preserve all your hard work and long hours, but it will
also help you sleep better.
There are three types of small business insurance you
need, including one that is mandatory. While business property and
liability insurance is necessary, you're not legally obligated to
have them, whereas employers must provide state-mandated coverages
for injuries and illnesses that are job-related through workers compensation
Read more about Business
& Commercial Insurance.
Many of us buy life insurance because we want to make sure that
our loved ones remain financially secure after we die. Income replacement
is the No. 1 reason people buy life insurance.
Non-earning caregivers also have an important — and
often overlooked — economic value that should be covered by life insurance.
Life insurance is also purchased by those interested
in achieving specific business or estate-transfer goals.
There are many types of life insurance policies depending
on your goals. Policies are available from hundreds of life insurance
companies in the United States. Most financial planners recommend
that each family income provider carry no less than 10 times their
annual income in life insurance.
Read more about Life Insurance.
It's a fact of life — you need health insurance — and the time
to get it is before you have an accident, suffer a serious illness,
or discover you're pregnant. Insurance doesn't cover health care for
medical problems or conditions that start before the moment you have
your policy. Finding adequate coverage might seem overwhelming, but
knowing the basics can help make your search less stressful.
Read more about Health Insurance.