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Insurance Overview

Insurance offers financial protection against unforeseen events. It can help you protect yourself and your family against some of life’s uncertainties, such as illness, injury, fire or theft. When purchasing insurance, make sure to ask about cost-sharing—the amount a policyholder will be required to pay for any claims. Some plans require you to pay coinsurance, which means paying a percentage of all costs after your deductible has been met. Other plans may require you to pay co-payments that range from $10 to $100 per office visit or prescription refill. Be sure that any plan you choose provides full coverage before making a commitment.

Why we need insurance?

Everyone needs insurance. In its simplest form, it’s a financial safety net designed to protect you from some sort of loss or harm. You buy fire and homeowners’ coverage to prevent physical property damage and to recoup what you might lose if your house burns down or is burglarized. You buy life and disability coverage to protect against financial loss in case of death or disability, so your family can continue living comfortably if you die unexpectedly, or so they’ll be provided for in case something stops you from working. The idea behind all of these policies—and others, such as car insurance and health coverage—is that most people can’t pay cash for every risk associated with living their lives.

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If you don’t have medical insurance, get it. If you don’t have life insurance, get it. If you don’t have vision coverage or dental coverage for your family members, now is a great time to look into getting them some. Do not delay if these are things that are important to your family and yourself.

What are the Different Types of Insurance?

There are many different types of insurance that can cover both your personal and business needs, but they all follow the same underlying principle – to protect you financially in the event of certain events. What are the different types of insurance? How do they differ? Let’s take a look at just some of the different kinds out there so you can decide which works best for you!


Auto Insurance

Whether you own a car or drive other people’s vehicles, there is a good chance that you will need to invest in auto insurance. Auto insurance covers damage to your vehicle and injury or death to others if you cause an accident. However, it also provides protection for your own liability as well as physical damage of your car when involved in an accident not covered by collision insurance.

Homeowner’s Policy

A homeowner’s policy protects your home and belongings against loss from covered perils. Coverage can include fire, theft, wind damage, and more. These policies differ based on many factors including location and value of property. For example, you may have a $100 deductible for a home in Rhode Island but only a $500 deductible if you live in South Dakota. Find out what homeowners insurance is right for you by contacting us today!


Health Insurance

The Affordable Care Act requires that most people have health insurance or pay a fine. But even before 2014, it was important to take steps to protect yourself and your family from medical problems. If you get sick and don’t have health insurance, you could end up with thousands in unpaid medical bills. And if someone in your family gets hurt and you don’t have health insurance, then what? Getting health insurance is an important part of being a responsible American adult.

Life & Disability Insurance

Disability insurance protects an individual against becoming disabled and therefore unable to earn a salary. This type of insurance typically pays between 50% and 70% of your income up to a certain amount per month. If you become sick or injured and can’t work, disability insurance can keep you afloat while you recover.

Renters’ Policy

Renters insurance protects your belongings from theft, fire, and natural disasters. It also provides liability coverage if someone is injured on your property or if they sue you for an injury they sustain while on your property. Generally, you’ll only need a basic policy that covers possessions and liability up to a certain amount (like $100,000) in case something happens. Check with your landlord to see what type of insurance they require before buying a renters’ policy; you may not need to get one at all.

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