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4 Insurance Varieties that Your Family Needs


If you have a family, you probably love them very much, and you’d do just about anything to protect them and ensure they have comfortable, safe lives. Getting the proper insurance to protect them and your property makes all the sense in the world.

In this article, we’ll talk about some insurance varieties you should get, for your family’s sake. When you do so, you will surely rest easier, knowing that you have taken steps to protect both your loved ones and possessions.

Car Insurance

In every state, there are car insurance requirements in place. You need to meet those requirements before you can legally drive, even if you have a vehicle and a driver’s license.

Depending on which state you live in, you may need to have more or less auto insurance and different varieties. For instance, if you happen to reside in Florida, you need to have a Personal Injury Protection policy, or PIP insurance. Florida law requires $10,000 of PIP insurance minimum, but you can always get a policy that is worth more.

You can also get additional car insurance types, such as collision insurance. Collision insurance is a policy type that lets you replace or repair your accident-damaged car. It also pays for vehicle repairs if you hit an inanimate object such as a tree or road sign.

Life Insurance

You should also strongly consider getting your family some life insurance. You can get a policy on yourself that will pay them significant benefits if you die early or unexpectedly.

Many people don’t like thinking about their mortality. They would prefer to imagine that they will live forever.

The truth is that we are all human, and all of us will die one day. If you have a spouse or a partner and children as well, you’d like to be there to support them financially forever, but you could contract an illness, or perhaps some fatal accident will befall you.

Life insurance protects your family if that ever happens. Assuming you don’t kill yourself, in which case, the insurance company will not pay off the policy, your family will get tens of thousands or even hundreds of thousands of dollars, and you can pay for this policy for just a few bucks per month in most cases.

They can use that money to pay for things like rent or mortgage payments, food, utility bills, medical expenses, and so forth. In conclusion, therefore, setting up a policy or a life insurance trust as soon as you can is a mature and responsible thing to do.


You can also look for a healthcare policy that covers both your family and yourself. In this country, we have privatized healthcare. Because of that, your best chance to get coverage is to buy it in the marketplace or else to get a job where your employer offers it.

Plenty of people want socialized medicine, but special interests work hard to prevent that from happening. Perhaps that might change someday, but in the meantime, you can’t afford not to obtain healthcare insurance one way or another.

Health insurance pays for family members to get regular checkups. It also pays for prescription medications, necessary surgeries, or specialists if one of your family members is having a medical issue your primary doctor can’t handle.

If you don’t have healthcare, and you try to pay for all of this out-of-pocket, you’re going to be out of cash very quickly. Medical care without insurance is absurdly expensive, and you would have to be wealthy to afford it.

Homeowner’s Insurance

Homeowner’s insurance is another variety that everyone should get, assuming you are a homeowner. If you rent an apartment, you can purchase renter’s insurance instead.

Homeowner’s insurance can chip in to pay for something like a new roof. It can also protect you and the family if someone visits your house and they injure themselves while on the premises.

Your insurance can protect you from premises liability lawsuits. If you don’t have it, and someone sues you when they injure themselves on your property, that could cost you tens of thousands of dollars or more if you lose the lawsuit.

Some people regard insurance as paying money for nothing, and it can seem like that sometimes. You aren't buying something tangible, like a pair of jeans or a TV.

However, if you don’t get the various insurance types that we mentioned, that’s gambling with your life and your family’s lives as well. A responsible adult pays for insurance and accepts it as necessary.

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