Haleigh S

What is insurance? Everybody discusses insurance and how it is important to have it, but what does it mean to be covered by insurance? It is suppose to be helpful in life and guarantee coverage when catastrophe strikes, but many people would disagree with that. Being covered by insurance means your home, car, health, and most importantly, your life is covered; what could be better? Guaranteed coverage and extra support when hard times hit is what insurance is based upon. Insurance is important to me because it is reliable and beneficial in tough situations; I know it has my back when it comes to my home, car, health, and life.

Insurance is a legal contract between the customer and the insurance company stating that the customer agrees to pay the premium and the insurance company agrees to pay the losses as specified in the policy one chooses. Homeowners insurance is a type of property insurance designed to protect an individual’s home against damages to the house itself or to possessions inside the home. It also provides liability coverage against accidents in the home or on the said property: any accidents that would cost you money or cause you legal trouble. Depending on the area you live in the types of home insurance you are required to purchase varies. Homeowners insurance is important to me because I have the reassurance that my home is protected and taken care of in times of disaster.

Car insurance, sometimes referred to as auto insurance, provides property, liability and medical coverage; theft, damage, your legal responsibility, and any hospital bills are covered under this type of insurance. Depending on your state and other financial situations, you will purchase one of six different policies; choose the one that best fits your personal needs. The policy an individual chooses will vary on how long it lasts and when you are required to renew it. Auto insurance is important to me because I can choose a policy to protect my automobiles that is custom to my needs that I know will cover me legally and medically.

Health insurance is a type of insurance coverage that pays for medical and surgical expenses specified in the policy purchased. Health insurance can reimburse the insured for expenses paid out of pocket from illness or injury, or pay the care provider directly to avoid the middle man. It is often included in employer benefit packages and better plans are usually provided to the ones making a higher salary. Health insurance is used typically for hospital and medical bills whereas other forms of insurance are used for specific fields. For example, dental and eye insurance work in similar ways depending on the policy specified by the insured. Health, dental, and eye insurance is important to me because my medical expenses are of lesser value and medical care is guaranteed.

Life insurance varies from the other two types of insurance because it is taken a bit more serious. Life insurance protects against financial loss that would result from the death of an individual covered by the particular policy chosen. The named beneficiary, the policy holder decides this, receives the proceeds and is thereby safeguarded, or protected, from the financial impact of the death of the insured. The death benefit is paid by the life insurance company in consideration for the expenses of the deceased. The family or beneficiary receives money to cover bills and other expenses the deceased has left behind or now has; it is usually a large number given upfront or divided up and evenly distributed monthly. Life insurance is important to me because in time of mourning I want to have the satisfaction that my family or I will be stress free and be financially stable if the unthinkable were to happen.

In conclusion, Insurance is widely important to me and my family. Insurance comes to the rescue in time of need and help even the most unluckiest people in some way, shape, or form. Insurance is important to me because is is reliable and beneficial in tough situations; I know it has my back when it comes to my home, car, health, and life. Not having insurance puts you financially at risk; why do that to yourself? Insurance is important to me to help me get through the ups and downs life has to throw at you. Having the stability of insurance in times of need is the reassurance people desire when dealing with life changing situations. Life changes rapidly and unexpectedly; are you covered?

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Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.

While the majority of people want an agent involved in their purchase of insurance, many people want to see if they can save money by buying direct from the insurance company. Others want to try a direct quote to make sure the premium they’re now paying through their local agent is fair. If you want a quote for your coverage, click on the competitive quote button on the right side of this page.