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What is Insurance?

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A method of providing for financial protection from potentially catastrophic losses.  It allows a person, business, or organization to pay a small fixed amount to an insurer in exchange for the promise that, if a covered loss occurs, the insurer will pay for losses up to the coverage limits of the policy purchased.  A policy is a legal contract.  In exchange for your payment of premium and fulfillment of your obligations under the conditions of the contract, the insurer promises to perform certain actions described in the contract. Here you will find articles and resources to get insurance quotes for:

  • Health Insurance
  • Auto Insurance
  • Homeowner’s Insurance
  • Renter’s Insurance
  • Life Insurance
  • Disability Insurance
  • Cancer Insurance
  • Burial Insurance
  • AnnuitiesInsurance
  • Business Insurance
  • Long Term Care Insurance

We might not think much of inurance in everyday life and a lot of time we consumers might not have a very high opinion of the insurance industry yet when disaster strikes, we are ill, we loos a home to fire, earthquake damage or there is a theft wether at home in our car or in fact our car is stolen, then we realize we have someone who is going to help and stand by us to recover from the incident.

Many times after an automobile accident or hearing bad news about health we are relieved to know at least some of the consequences are going to be contained and things are not getting to be overwhelming and get worse. So keep that in mind when you are making decisions about getting insurance yet no.1 rule is to be sensible and frugal and find the right policy with the right coverage at the right price. And more important something you can afford. It is also important to research and find reputable companies so you’re sure that after having paid all those premiums they are going to be there when you need them and they will fairly compensate for the damages you might incurr.

There are many well known insurance companies to choose from and if you decide to go with a broker it is a good idea to ask around and find someone a friend, neighbor or relative has used and is really happy with. I myself stayed with a homeowners insurance agent for almost 40 years and in fact recently I found out he passed away and his son has taken over the business and is running it with the same philosophy and manner, it is good to have a friend who will look out for you in times you are going to need help.

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