Five Types of Insurance Your Family Shouldn’t Skimp On

Friday, April 22, 2016, 6:00 AM | Leave Comment

When you have a family, you want to be sure your spouse and children will be provided for even under the worst circumstances.

Understand that having only the bare minimum of insurance coverage can hurt you and your family in the long-run.

Here are five insurance plans you should invest in to ensure your family’s well-being. 

Five Types of Insurance Your Family Shouldn't Skimp On

  1. Health Insurance

    Health costs are extremely high-priced without health insurance. An unexpected accident or illness is bound to happen at some point, so why leave things up to chance?

    You could spend thousands of dollars on a broken leg, or you could spend little to nothing on medical bills with the right health insurance.

    Not only is it necessary, it is required by federal law now. If you and your family do not have health insurance, sign up today to avoid end-of-year fees and hospital debt.

    Along with your general health, if you can, your family should think about adding dental or vision insurance.

    Most family dentists like Milan Simanek, D.D.S. & Associates and vision centers have plans available and will accept most insurances. This can help keep costs down and even provide for yearly checkups.

  2. Life Insurance

    Protect the people who depend on you financially by acquiring life insurance through your workplace or another insurance provider.

    Hopefully, you are never involved in an accident, but if you were to pass away, you want to be sure your family is left with the means to survive.

    Purchase a policy that will supplement your income and cover burial costs without burdening your family with crippling expenses.

  3. Renters or Homeowners Insurance

    Whether you are a renter or homeowner, it is important to have your home covered in case of damages.

    Disasters such as flooding, tornadoes, and earthquakes can cause significant damage to your home.

    Other circumstances such as arson or theft pose a threat to your home and belongings as well.

    Without insurance, these occurrences could leave you and your family with nothing.

  4. Automobile Insurance

    Not only is it against the law to drive without insurance, it poses many risks to the driver, passengers, and other persons on the road.

    Auto insurance allows you and your family to travel to school, work, and other places safely. You rely on your vehicle to get you to the places you need to go, and in the event of an accident, you want to be sure injuries and damages will be covered.

  5. Long-Term Disability Insurance

    In the event you are injured to the point where you cannot work, a good long-term disability policy will allow you and your family to maintain your current lifestyle.

    While many ignore the possibility of not being able to work, it is better to be safe than sorry.

Getting insurance can seem like a huge pain, or just another added expense that won’t really help you in the day to day. The truth is, having insurance is extremely helpful and the above are some of the most beneficial to have.

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