5 Insurance Policies You Need To Adult

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Insurance can sometimes feel a bit like a scam. You pay in, you pay in, you pay in, and hardly ever take out. Or when you try to you’re met with rolls and rolls of red tape keeping you away from the money you deserve. However as much as it can be a painful process, insurance is necessary to keep you and your wallet safe in the long run. We’ve put together a list of policies that are absolutely essential to any functioning adult. So if you want to be a proper grown-up, read on.

  • Car Insurance

Driving an insurance vehicle is legal in most states in America, so unless you live in New Hampshire or Virginia you’ll need to be insured before you get behind the wheel. While it can be pricey, it’s a lot better than getting a fine or even a jail sentence for driving without it. Shop around online and compare car insurance quotes so that you can get the best deal possible. just make sure that you are receiving a good level of coverage that will keep you protected if you get into issues, from a small bump or scrape to a crash.

  • Life Insurance

While it’s never nice to think about your mortal state, having life insurance is vital if you own a home or have a family. If anything does happen to you it can keep your family from losing their home if you’re the main income provider. It can keep your mortgage paid and food on the table while your loved ones recover from their loss.

  • Health Insurance

This one should be a no-brainer right? However, the cost of medical insurance can be high across the USA. If you don’t have any health benefits with your job then it’s prudent to get it yourself. You’ll be thanking your lucky stars if anything does happen to you as medical bills can run into thousands of dollars for normal life occurrences such as pregnancy. The most important this is keeping yourself safe.

  • Home Insurance

Whether you rent or own your property, home insurance is pretty important. If you live in an area that might be damaged by weather such as near the ocean or subjected to wildfires near a forest, get yourself covered so that if anything unfortunate happens to your home you won’t be out of pocket. Often insurance companies run multi-cover deals, so search for one that also gives you a good deal on contents insurance. You’ll want to have the items inside your home covered as well as the bricks and mortar. 

  • Phone Insurance

You’ve likely spent thousands of dollars for that little piece of tech in your pocket. Keep it safe against theft, damage, or breakage by taking out a full-cover insurance policy at the point of sale. It doesn’t cost much per month and will save you a ton in the long term if anything happens to it.

Which types of insurance policies will you be rushing out to get? Let us know in the comments.

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