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Health insurance provides benefits for the treatment of illness or injuries. Basic medical coverage usually includes coverage for hospital stays, surgery, and any medical costs associated with treatment. Other medical coverage may be necessary to cover prescription drugs, out-of-hospital costs, doctor's visits, dental work, or vision exams.  A popular option is to enroll in a managed care plan such as an HMO or PPO, which usually involve a network of doctors and hospitals.  Recently, the federal government passed a health care insurance reform which included the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act. Together these bills are referred to as The Affordable Care Act.

We all know how hard it is to find good insurance.  If you are interested in finding out more, contact a local insurance professional today.

Homeowners' insurance is a type of property insurance which covers loss against theft and damage from fires, storm damage, hurricanes and such. It also may insure the owner against any claims of accidental injury or death on the property, if the owner is legally responsible.  Mortgage lenders require homeowners' insurance as part of the mortgage terms. Although Homeowners' Insurance refers to the insurance of a house, it also includes the insurance of other types of structures associated including renters insurance for those who rent and condominium unit owners.

The following are different types of insurance:

  • Health Insurance
  • Property Insurance
  • Mitigation and Discounts
  • Auto Insurance
  • Life Insurance
  • Liability Insurance
Coverage for vehicles such as automobiles, trucks and motorcycles can include loss or damage to the vehicle itself as well as damage from use of the vehicle. The coverage also includes medical, hospital and surgical benefits to injured persons and can even pay for funeral and death benefits to survivors, if that coverage is issued as part of the liability insurance contract.   There are several types of automobile insurance for private passengers which include Personal Injury Protection or PIP, Liability of the insured for Bodily Injury or Property Damage and Comprehensive and Collision coverage involving damage to the vehicle itself. There are also automobile policies for commercial businesses such as automobile dealers, repair shops, service stations, garages, and business which include vehicles with load capacities over 1,500 pounds.  

Life insurance provides a cash benefit for the beneficiaries upon the death of the insured. It allows the beneficiaries to pay off debts and other expenses and it can serve as a source of income to replace any income lost as a result of the death of the insured. There are two primary types of life insurance, term life insurance and permanent life insurance.  Term life insurance provides insurance for a specific period of time at a lower cost and permanent life insurance provides a specified amount of coverage at variable rates. There is also universal life insurance, which builds cash value and is becoming a more popular option with life insurance companies.  Contact a financial professional today to find the best option for you.

Professional liability insurance coverage exists for professionals such as doctors, lawyers and company executives.  This type of insurance covers the insured against loss, damage or expenses that happened as a result of error, negligence, or malpractice.  If a lawsuit is presented, many times it is the result of an error that may have been committed by the insured in performing professional services, therefore it is important that coverage exists to cover these losses since the result of a lawsuit could be a much greater impact.
Certain discounts exist on homeowners’ insurance when a mitigation inspection is done on the home.  Windstorm mitigation means making the home more resistant to being damaged by high wind speeds caused by storms. In addition to protecting your home, it may create reductions in insurance premiums for the hurricane/wind portion of the homeowner’s insurance policy. Many states now have specific percentages to be used for reducing the premium when a house meets the standards. Insurance companies may use different percentages to determine the discount and the laws vary by state. Homeowners can contract with a licensed approved wind inspector and inspecting firms to examine their home for any applicable discounts.

Do you have questions or concerns regarding insurance? Contact a qualified local professional today for assistance with your insurance needs.