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Auto Insurance

Auto insurance is the most well-known type of personal insurance in the United States, largely due to it being required by law. Every person that owns a car must be insured. Since everyone needs car insurance, most people shop for a policy based solely on the cheapest rate. While this will save you the most money, you must be able to rely on your auto insurance company to help you when you need them the most.

Homeowners Insurance

As a homeowner, it is required in most areas to have homeowners insurance. Homeowner insurance protects you and your home from many unfortunate events that may occur on your property. These include nearly all weather events except flood and earthquakes, as well as theft and vandalism to your property. Most home insurance policies will also provide protection to you or a family member in the case that they are held liable for any injuries or damage to a person while on your property. Everyone has heard of the thief that fell off their mark’s roof, sued the homeowner for being injured on their property — and won. Don’t let this happen to you.

Life Insurance

Life insurance is something that many people do not want to think about since it requires confronting your impending death. However, according to modern science, everyone dies, so life insurance is the best bet you can make when choosing what possible events to cover with an insurance policy. Life insurance is the only type of policy that is 100% guaranteed to be needed every time, so get covered.

Health Insurance

After the passage of “Obamacare,” it is now illegal to not have health insurance in the US. Besides being a really smart type of coverage to have, not having health insurance will cost you hundreds of dollars per year in fines. If there is one aspect of life that you do not want to gamble with, it is your health. After all, it is all we have when everything else is stripped away. If we do not have our health, we have nothing.

Renters Insurance

There is a very simple truth about renter’s insurance: it is cheap.

With most renters insurance policies costing under $25 per month, there is almost no reason not to be covered. Rental insurance covers theft, and most importantly it covers any damage to the property that you are renting. If you leave the faucet on when you leave for the weekend and it floods the 9 units below yours — causing hundreds of thousands of dollars in damage — you are covered. For such a low price, it is silly to not have a rental coverage policy.

Motorcycle Insurance

Motorcycles crash. It’s what they do. Everyone knows someone who has had a brutal motorcycle crash, and when it happens, you will NOT want to be uninsured. With even minor motorcycle crashes resulting in grave personal injury, having motorcycle insurance coverage might be the best return on investment you can make in your insurance coverage portfolio. You can get moto coverage from most of the major and local auto insurers, so make sure to shop the national brands by comparing quotes, as well as calling some local agents in our national agent directory. Don’t skimp on this one!

Travel Insurance

Travel insurance is a great choice for any trip that includes plane flights, hotels, and travel outside of the country. Travel insurance covers any changes you would need to make to your itinerary if you run into any complications and need to change your plans. You can also add coverage for any medical emergencies that you encounter while traveling outside of the country. Remember that your normal health insurance does not cover you if you need medical attention outside of the US.

Dental Insurance

Dental insurance is something that a lot of Americans only have if it is covered by their employer, but oral and dental health is not something that should be risked. There are a lot of serious dental problems that can lead to more widespread health problems. If you are paying for health insurance every month, then it is an obvious choice to buy dental insurance as well since it is very cheap comparitively — often under $100 per year.

Wedding Insurance

What happens if it rains cats and dogs on your outdoor wedding? What happens if the DJ’s equipment catches on fire? What happens if te wedding gets cancelled and the tens or hundreds of thousands of dollars for wedding preparations has already been spent? These are all awful, stressful possibilities that no one wants to consider, but if (and when) they happen, the last thing you want to deal with is tracking down and begging for refunds. A wedding is stressful enough as is. It pays to have insurance so that worst case scenarios are a little less stressful.

Pet Insurance

The medical costs of owning a dog or cat have skyrocketed in the past several years, and if you don’t have health insurance even routine checkups and procedures can run into the thousands and tens of thousands of dollars range. No one wants to have to consider putting down a beloved pet because they cannot afford to get a surgery or treatment done. With pet insurance plans generally running from about $15-$50 per month, it is money well spent when your pug pops her eyeball out of the socket and saves you $3,500… again.