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  • How much auto insurance coverage do I need?

    The amount of auto insurance coverage you need depends on a variety of factors. Some factors you should consider when you buy auto insurance coverage include:

    • Your appetite for risk — If you don’t like taking risks, your auto insurance coverage should reflect that with high coverage limits and low auto insurance deductibles.
    • Risks associated with where you live — Do you live among wildlife, or are fender benders a common occurrence where you live? If so, beef up on your coverage.
    • Your vehicle — If you have a brand new vehicle, you may want to increase your auto insurance coverage to protect your investment in the event you’re involved in an accident.
    • Your assets — The more assets you have, the more auto insurance coverage you need to protect them.
    • Your passengers — Do you regularly have young passengers in your vehicle? If so, get auto insurance coverage to protect them should you be involved in an accident.
    • How you’re paying for your car — If you’re financing or leasing a new car, consider adding gap insurance or loan/lease coverage to help you cover costs in the event of a total loss.
  • What is home owners insurance?

    Home insurance, also called homeowners insurance and home owner insurance, is a type of property insurance that covers privately owned homes. It protects you against damage to your home, the loss of use of your home, and loss of your personal belongings. It also provides liability insurance for accidents that may happen at your home or on your property.

  • Am I required to have home insurance?

    Though it varies from state to state, there’s usually no law requiring home insurance (unlike car insurance).

    If you borrow money to buy a house, however, the mortgage or deed of trust will require that you have enough insurance to cover the cost of repairing or rebuilding your home if it’s damaged. In this case, your mortgage company will typically be named as “loss payee” on your policy. If your house is damaged, the insurance payment will go to the loan company (or to both you and the loan company) to ensure that the money is used to rebuild or repair the house. If you choose not to rebuild, the insurance payment will be applied directly to your loan.

  • Why do I need home owners insurance?

    You need home insurance to protect your house and your belongings against damage and loss, as well as to protect you financially if someone is injured in your home or on your property.

  • What is life insurance?

    Life insurance is a contract between you and the insurance company. You agree to pay set premiums to the insurance company during your lifetime (or agreed-upon term). In return, after your death, the insurance company will pay a specified sum of money to your designated beneficiaries. Typically, life insurance can cover funeral expenses, mortgages, college tuition, and more.

  • Who needs to buy life insurance?

    Traditionally, only people with dependents (like a spouse or young children) sought life insurance policies. Today, however, a good life insurance policy makes sense for a wide range of individuals. Experts recommend getting life insurance if someone you know (such as a business partner, spouse, or family member) may suffer financially upon your death.

    Life insurance can be an important component of a sound financial strategy. It can:

    • Provide for your dependents
    • Help pay for college
    • Pay for funeral expenses
    • Pay for estate taxes
    • Generate an inheritance