5 Insurance Policies Everyone Should Have

Insurance is never a fun topic for anybody. It can be uncomfortable and confusing, but you'll be thankful you have it when an emergency strikes. Here are five policies you should never be without:

  1. Homeowner's Insurance or Renter's Insurance

    Homeowner’s insurance replaces your home and belongings if a natural disaster or burglar damages or destroys your property. Renting? Your belongings aren't covered unless you have renter's insurance.

  2. Car Insurance

    Don't drive without car insurance! It's important to have the right kind of coverage and to know how much you really need. Let an experienced agent help you prepare for when life hits you . . . or your car.

  3. Health Insurance

    Unpaid medical bills are the number one cause of bankruptcy. Health insurance is a must! There are many coverage options available to fit your family's needs.

  4. Life Insurance

    This isn't something we want to think about, but we should. You need to ensure your spouse and children can live comfortably in your absence. Look for a term life insurance policy that replaces 10-12 times your annual income. Avoid all whole life insurance policies.

  5. Disability Insurance

    This replaces your income if you are hurt or injured on the job. Many employers provide a small disability policy as a benefit. Find out how much coverage your employer provides. If it doesn't replace at least 70% of your pay, look for an additional policy from an independent agent.

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Not Sure What You Need?

The 5-Minute Coverage Checkup reviews the 10 kinds of coverage Dave recommends based on your age and stage of life. Get your results in five minutes so you’re ready when something happens.

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Hear From the Experts

We have whole life insurance. Should we switch to term?

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Break even

Jay on Twitter asks Dave how to determine the amount of the deductible on your home insurance. Dave explains how this can be accomplished through a simple break even analysis.

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Are you missing one of these insurance policies or unhappy with your current coverage? Contact one of our independent insurance agents today!

Do You Have the Right Coverage? 

Do You Have the Right Coverage? 

Find out with our free 5-Minute Coverage Checkup!
Take the Coverage Checkup

Do You Have the Right Coverage?  

Find out with our free 5-Minute Coverage Checkup!
Take the Coverage Checkup