Must Have Insurance Check List

July 26, 2013

Customize your insurance choices to your family’s situation and put an end to needless worry.

HOME – Consider adding separate flood insurance to your policy. if you’re in a flood zone, it’s probably mandatory, but not if you live on the outskirts. Flood damage is not covered under standard home insurance, whereas 90% of all natural disasters in the U.S. involve flooding.

RENTERS – If, for instance, there’s a fire at your apartment, your landlord’s insurance isn’t going to cover the loss of your property.

CAR – Practically every state requires auto liability insurance. Weigh additional coverage options – from collision to comprehensive – based on your needs. Expanded coverage is recommended for families with teen drivers.

HEALTH MEDICAL BENEFITS – Are a must, so take time to familiarize yourself

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with the terms of your coverage. It’s also a good idea to reassess your coverage needs and understand policy changes as they happen.

LIFE – If you have kids living at home or who are financially dependent on you, a life insurance policy will help cover living expenses should anything happen to you or your spouse.