Insurance – The Top 10 Reasons you Need it.

Posted on March 4th, 2016
Top 10 Reasons you  need homeowners insurance.
1. If you own your own home,
A house is one of the biggest investments most people will make in their life. So having enough coverage to protect that investment is a must.
2. If you own a car, 
There are hundreds of car accidents everyday and with millions of cars on the road everyday, auto insurance is a must have. Most states require that you have at least some auto coverage, but even if your state doesn’t, make sure that you are covered. It is one of the most likely types of insurance you’ll ever have to use. Often you can get a better price if you purchase both auto insurance and homeowners insurance.

3. If you don’t want to be in debt for the rest of your life,
This may seem obvious, but most people don’t want to be in debt for the rest of their life. If you aren’t properly covered and something major happens, you will have to pay for it with your own money and for most people that will mean debt. Medical debt especially is very common. So have good health insurance and that won’t happen to you.
4. If you don’t like stress,
Stress is unhealthy and isn’t good for happiness. Insurance can take away the stress of disaster. Have the knowledge that even if something bad happens you don’t have to worry about the financial side of things. So you can focus on what matters most.
5. Don’t like risk,
Insurance is about eliminating risk and most people don’t like risk. So if you are one of those people, make sure you have the insurance that will take the risk away.
6. If you collect stuff,
What someone can collect is almost limitless. Some people collect movie memorabilia, firearms, coins, stamps, trading cards, toys, cars, and pretty much anything else you can think of. Many collections can be valuable and aren’t always covered in every policy. Make sure you talk to your insurance agent to protect your valuable collection.
7. If you are an adrenaline junky,
If you like adventure and pushing your limits, then having good life insurance as well as health insurance is very important. People like to believe they are invincible. But unfortunately this isn’t true, so make sure you have the proper coverage to fit your life style!
8. If you have a family, 
If you have children or a spouse then life insurance is very important to have and is often neglected. Life insurance is about protecting what matters most and there isn’t anything more important then your family.
9. If you own a business, 
Again this is pretty obvious, but if you own a business you need to have full and comprehensive coverage. Inventory, employees, and customers are all things that need to be insured and are important to the success of your business.
10. If you don’t have piles of money laying around,  
Medical expenses can be incredibly costly, and most people can’t pay for them all out of pocket. So there is health insurance. Or if your car gets totaled, not everyone can or wants to pay for their new car in cash. So you should have auto insurance.
Those are the top 10 reasons you need to have insurance. These situations will include nearly everyone one in someway. So make sure you have the right insurance with the right insurance agent.