If you've been in a car accident, you understand the value of having vehicle insurance. All states mandate owning at least basic liability protection. Liability insurance protects you from having to pay for damages or injuries you cause to others in an accident. There are several other types of car insurance with varying degrees of protection. A medical payments policy insures medical fees for all passengers in your car. You can also purchase underinsured motorist coverage that protects you from drivers with little or no insurance. Being familiar with all your insurance options and selecting the right coverage can save you money and help protect you and your family in case of an accident.
Home Insurance
The repercussions of owning a home without insurance can be very dangerous. If your house is damaged or destroyed by flood, fire, or some type of natural disaster; you will be liable for the complete cost of rebuilding your home. Home insurance may also be able to restore your personal possessions or protect you if you are responsible for damage to another person's property or an injury sustained at your home. Along with that, you could also receive coverage to handle court fees and food and lodging if you have to leave you home. Meeting with an insurance agent can help you determine which type of insurance best fits your life and budget.
Renters Insurance
Renters insurance is designed to protect the belongings of a renter in the situation that they are stolen, damaged, or destroyed. Renters insurance can also provide for liability or medical expenses if the renter is responsible for injury and damages that happen in their home or apartment. Renters are at the mercy of several outside forces, such neighbors, guests, and burglars that can cause problems that will not be covered by the owner's own insurance. If you are a renter, contact an insurance agent today and discuss your options for renters insurance.
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