Streetsmart insurance Blog
Nowadays, everything may have insurance. In fact, some companies are ready to insure you against alien abductions. However, the problem with people is that they often choose some unnecessary protection. If you don't know which insurance policies are necessary, then here's a list for you.
Although there’s health insurance to take care of you while you’re alive, life insurance will take care of your family members when you’re gone. Death can be extremely devastating, and it can leave your loved ones empty-handed when you’re gone. However, life insurance can alleviate the damage by providing your bereaved family with a sum of money that they can use to carry out their lives. Life insurance will take care of the mortgage, outstanding debt, and funeral costs.
The rising cost of healthcare has introduced the need for health insurance. In case there’s an accident, anything could cost hundreds or even thousands of dollars. Thus, a single operation can put you in serious debt. Health insurance is a necessity, and the ideal health insurance policy is one that should encourage you to strengthen your health regimen.
Long-Term Disability Insurance
If you can’t work for a long time because of a disability, then it can put your loved ones in trouble. If you’re a contractor who can’t even stand up or if you’re a middle-school teacher with cancer, then you need long-term disability insurance. This insurance will provide your loved ones with a percentage of your original income.
Except if you’re in Virginia or New Hampshire, the law requires you to have auto insurance. Car accidents are not only a common thing but something that is very costly. That gives you a good reason to get auto insurance. If the court proves you to be at fault, then you have to handle the damage to the other car and the hospital bills that could reach thousands of dollars.
Property insurance can be homeowners’ insurance or renters’ insurance. Homeowners’ insurance protects your home and all the things that you have inside it. If you’re renting, then you should have renters’ insurance. You should have it even if your landlord doesn’t. Never underestimate the cost of an accident like fire because the damage could reach as much as $10,000. That’s why banks require you to have property insurance.
You should learn more about the types of insurance listed above while you’re consulting with a licensed insurance broker. All you need to do is look into more resources that you can use to determine the best insurance for you. Get the insurance policy that you need today!
At Street Smart Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (732) 462-8343 or Click Here to request a free quote.