{"id":527,"date":"2020-01-23T09:17:16","date_gmt":"2020-01-23T09:17:16","guid":{"rendered":"https:\/\/dollarnerdz.com\/?p=527"},"modified":"2020-01-23T09:17:16","modified_gmt":"2020-01-23T09:17:16","slug":"great-insurance-to-protect-yourself","status":"publish","type":"post","link":"https:\/\/dollarnerdz.com\/en\/great-insurance-to-protect-yourself\/","title":{"rendered":"Protect Yourself: 9 Great Insurance To Back Yourself Up"},"content":{"rendered":"<p>When the pipes burst or you come down with the flu, who\u2019s got your back? Well, the various types of insurances you can buy, of course! Let\u2019s face it. We don\u2019t all have a ton of cash on hand to deal with unexpected emergencies. That\u2019s why you need insurance \u2013 to help you get through the tight spots.<\/p>\n<p>In this guide, we\u2019re going to talk about:<\/p>\n<ul>\n<li>The different types of insurance you can get<\/li>\n<li>Who can qualify for these insurances<\/li>\n<li>Whether you really <em>need<\/em> insurance or if it\u2019s more of a luxury<\/li>\n<\/ul>\n<p>No matter whether you rent your home, own your car or have never been sick a day in your life, this guide will help you decide which, if any, insurance is right for you.<\/p>\n<h2>1. Home insurance<\/h2>\n<p>Monthly cost: $-$$<\/p>\n<p>Is it necessary: Yes<\/p>\n<p>Ease of application: Easy<\/p>\n<p>Coverage amount: $$-$$$<\/p>\n<p>Who needs this: Any homeowner or property manager<\/p>\n<p>Sometimes things go wrong. A tree falls through your roof during a hurricane. A flood leaves you swamped. A scurry of squirrels takes up residence in your walls. Things go south and you don\u2019t have the money to pay for the repairs to these things \u2013 who do you turn to? Your homeowner\u2019s insurance company!<\/p>\n<p>Home insurance is one of the most necessary insurances for anyone who has equity invested in a house. Whether you\u2019re living in your home or renting it out to others, homeowners\u2019 insurance is a must. In fact, some mortgage lenders require that you have it, so be sure you read the fine print!<\/p>\n<p>Home insurance is generally pretty inexpensive, and if you get good coverage, you might actually be surprised at the benefits. For instance, some homeowners\u2019 insurance may cover food that spoiled in your fridge when the power went out due to a natural disaster.<\/p>\n<ul>\n<li>Homeowners\u2019 insurance is a must for any homeowner or property manager<\/li>\n<li>Your coverage is usually pretty good and your premiums will be low<\/li>\n<li>Some mortgage lenders require that you have this type of insurance, so read the fine print!<\/li>\n<\/ul>\n<h2>2. Renter\u2019s insurance<\/h2>\n<p>Monthly cost: $<\/p>\n<p>Is it necessary: Sometimes<\/p>\n<p>Ease of application: Easy<\/p>\n<p>Coverage amount: $$<\/p>\n<p>Who needs this: Anyone renting a home or apartment<\/p>\n<p>Even if you don\u2019t own your home, there are insurances that can protect you if something goes wrong. If your home gets broken into and your property is stolen, renter\u2019s insurance can help. If someone is injured on your property and sues you, renter\u2019s insurance can provide some coverage for you.<\/p>\n<p>While not all rental management companies require that you carry this type of insurance, it\u2019s usually a good idea. Renter\u2019s insurance is super cheap \u2013 usually only a few bucks each month \u2013 and may be even cheaper if you combine it with your auto insurance.<\/p>\n<p>There are sometimes things that renter\u2019s insurance does not cover. For instance, if your kid throws a baseball through the window, that\u2019s probably going to be on you. But if you have a lot of valuables in your home, or just want the peace of mind, consider renter\u2019s insurance.<\/p>\n<ul>\n<li>Renter\u2019s insurance can cover you and the stuff inside your apartment or rental home<\/li>\n<li>It\u2019s not necessary in some cases, but can be a good idea for peace of mind<\/li>\n<li>Renter\u2019s insurance is very inexpensive, so it\u2019s not going to set you back very much<\/li>\n<\/ul>\n<h2>3. Travel insurance<\/h2>\n<p>Monthly cost: $$<\/p>\n<p>Is it necessary: No<\/p>\n<p>Ease of application: Easy<\/p>\n<p>Coverage amount: $$<\/p>\n<p>Who needs this: People with medical concerns, people who may experience cancellations<\/p>\n<p>You do not need travel insurance for every trip you book. There\u2019s about a 99.9% chance your trip will go exactly as planned, you\u2019ll depart on the intended day and you\u2019ll have the adventure of your life on vacation. However, there\u2019s a chance that won\u2019t happen, too.<\/p>\n<p>If you have concerns that your vacation or other trip may be cancelled or jeopardized, you should consider travel insurance one of the most important insurances out there. You\u2019ve invested a lot in your vacation \u2013 don\u2019t lose all that money by being unprepared.<\/p>\n<p>You should also definitely get travel insurance if you\u2019re travelling abroad. Political unrest and other factors can cause your vacation or travel to be cut short or cancelled completely \u2013 don\u2019t take that risk. People with medical conditions will need to buy travel insurance, as well, as you may be forced to either leave to go home or pay for expensive medical help while away.<\/p>\n<p>Again, you don\u2019t <em>always<\/em> need travel insurance. But if you\u2019re worried you may lose the money you invested in your trip, this insurance is a good idea.<\/p>\n<ul>\n<li>You don\u2019t always need travel insurance but there are some instances where it might be necessary<\/li>\n<li>If you have medical conditions or are travelling abroad, this insurance is a good idea<\/li>\n<li>Cheap flights and inexpensive trips probably won\u2019t require that you purchase insurance<\/li>\n<\/ul>\n<h2>4. Life insurance<\/h2>\n<p>Monthly cost: $$<\/p>\n<p>Is it necessary: Sometimes<\/p>\n<p>Ease of application: Moderate<\/p>\n<p>Coverage amount: $$-$$$$<\/p>\n<p>Who needs this: Those with many assets, with children or with outstanding bills<\/p>\n<p>There are several <a href=\"https:\/\/www.pubs.ext.vt.edu\/content\/dam\/pubs_ext_vt_edu\/354\/354-143\/354-143_pdf.pdf\">types<\/a> of life insurances: whole, universal, term, permanent, variable and so on. We\u2019re not here to talk about that; you can speak with an insurance agent about which one might be right for you. That said, life insurance is important to many kinds of people. You may need life insurance if:<\/p>\n<ul>\n<li>If you want to ensure that your children, grandchildren or spouse is cared for after your death<\/li>\n<li>If you still own on your home and want to be sure your partner, spouse or children don\u2019t become financially responsible for it<\/li>\n<li>If you have an aging parent you\u2019d like to see taken care of after you die<\/li>\n<li>If you\u2019d simply like to leave something to your family<\/li>\n<li>If you have a special needs child who will require care his whole life<\/li>\n<li>If your net worth is high and you want to cover the taxes your loved ones will pay on their inheritance<\/li>\n<\/ul>\n<p>Again, we\u2019re not agents or brokers, and we can\u2019t decide whether, how much, or which life insurance is right for you. But it\u2019s relatively inexpensive, averaging around $30 per month for a health individual, and it may give you the peace of mind you need to retire restfully.<\/p>\n<ul>\n<li>Not everyone needs life insurance, but you may feel more comfortable if you have it<\/li>\n<li>There are all sorts of different types of people who may wish to carry life insurance<\/li>\n<li>Talk to your broker about the different ways you can purchase insurance and which is best for your lifestyle and financial situation<\/li>\n<\/ul>\n<h2>5. Health insurance<\/h2>\n<p>Monthly cost: $-$$<\/p>\n<p>Is it necessary: Sometimes<\/p>\n<p>Ease of application: Moderate<\/p>\n<p>Coverage amount: $$-$$$<\/p>\n<p>Who needs this: Those people who live in countries without universal health care<\/p>\n<p>Not every nation in the world has universal <a href=\"https:\/\/www.health.harvard.edu\/blog\/single-payer-healthcare-pluses-minuses-means-201606279835\">healthcare<\/a>. In fact, sometimes the cost of health insurance can actually cause people to skip going to the doctor when they\u2019re sick. That\u2019s really unfortunate, and we hope you consider the cost of health insurances as they compare to the value of your health.<\/p>\n<p>Insurance in countries that don\u2019t offer universal coverage will vary, both in the actual coverage and in who can qualify. If you have pre-existing conditions like cancer or diabetes, your insurance is going to cost more. If you\u2019re pregnant or are a senior, you may also find that your premiums (and deductibles) are higher than if you\u2019re a healthy person.<\/p>\n<p>Health insurance is most important for these people. If you have conditions that will require you to make frequent doctors visits or take prescription medication, it may be a good idea to sign up for coverage. If you are otherwise healthy and live in an area with a \u201cminute clinic\u201d or a public health department, you may be able to get away with no insurance.<\/p>\n<p>In some nations, health insurance is mandatory. For instance, in the United States you may be fined if you don\u2019t hold coverage unless you qualify for an exemption. To save on costs, find out if you qualify for public assistance that\u2019s available in your corner of the globe.<\/p>\n<ul>\n<li>Health insurance is a necessity for those with pre-existing conditions \u2013 unfortunately, it\u2019s harder to qualify<\/li>\n<li>Find out if there\u2019s a free or reduced cost insurance plan in your area<\/li>\n<li>In some cases you may be able to get by with no health insurance, such as if you live in a place with universal healthcare coverage<\/li>\n<\/ul>\n<h2>6. Auto insurance<\/h2>\n<p>Monthly cost: $$<\/p>\n<p>Is it necessary: Yes<\/p>\n<p>Ease of application: Moderate<\/p>\n<p>Coverage amount: $$<\/p>\n<p>Who needs this: Anyone with a driver\u2019s license<\/p>\n<p>You need <a href=\"http:\/\/citeseerx.ist.psu.edu\/viewdoc\/download;jsessionid=FB91216223FA340B54FEDA6203DB538C?doi=10.1.1.336.9203&amp;rep=rep1&amp;type=pdf\">car insurance<\/a>. There\u2019s just about no case that we can think of where you would <em>not<\/em> need car insurance. In fact, most places in the world require that, if you drive, you must carry insurance coverage with certain minimum requirements.<\/p>\n<p>The problem isn\u2019t you \u2013 it\u2019s other drivers. It\u2019s deer that jump out in front of your car. It\u2019s pedestrians who don\u2019t look where they\u2019re going. And it\u2019s other people who aren\u2019t insured that feel like it\u2019s a good idea to back into your vehicle.<\/p>\n<p>You can be the best driver on the planet and <em>still<\/em> need auto insurance. You spent a lot of money on your car \u2013 it\u2019s a really good idea to protect your investment. Just go ahead and get auto insurance so that you\u2019re covered in case of an accident.<\/p>\n<ul>\n<li>You need car insurance, plain and simple<\/li>\n<li>Even if you\u2019re a perfect driver, things happen that can wreck your car or get you in an accident<\/li>\n<li>Some places will require that if you have a drivers license, insurance is mandatory<\/li>\n<\/ul>\n<h2>7. Pet insurance<\/h2>\n<p>Monthly cost: $-$$<\/p>\n<p>Is it necessary: No<\/p>\n<p>Ease of application: Easy<\/p>\n<p>Coverage amount: $-$$<\/p>\n<p>Who needs this: Pet owners who want a little peace of mind<\/p>\n<p>When you adopted Fido or Fifi, you already knew that you were going to have to take them to the vet every now and then. Dogs, cats and other animals need routine checkups just like people do, and in most cases there will be vaccinations that are mandated by your local government. For instance, dogs will require rabies vaccinations in most parts of the world.<\/p>\n<p>These things cost money, but it\u2019s money you should have thought about before you adopted your fur baby. If you didn\u2019t, there\u2019s still a good chance that pet insurances won\u2019t be necessary for you. The cost may outweigh the benefit.<\/p>\n<p>Pet insurance is pricey. You can expect to pay around $50 per month for this insurance \u2013 that\u2019s $600 each year, and not everything is covered! Trips to the vet are expensive, but there\u2019s a good chance your pet insurance will cost even more.<\/p>\n<p>If your pet is older or has disease, your premiums will be higher. Again, not every service is covered, either, so you\u2019re going to be paying a ton of money to look out for your pet\u2019s health. Our suggestion to you is that, if you <em>must<\/em> have pet insurance, you should choose a plan with a low monthly premium that covers the full cost of your pet\u2019s checkups. And in the future, please consider how much your pet\u2019s healthcare will cost \u2026 <em>before<\/em> you adopt.<\/p>\n<ul>\n<li>Pet insurance isn\u2019t always a good deal and sometimes costs more than your pet\u2019s healthcare<\/li>\n<li>Older animals and those with health conditions will cost even more<\/li>\n<li>Choose a low-premium plan if you insist on insurance for your pet<\/li>\n<\/ul>\n<h2>8. Dental insurance<\/h2>\n<p>Monthly cost: $-$$<\/p>\n<p>Is it necessary: Sometimes<\/p>\n<p>Ease of application: Easy<\/p>\n<p>Coverage amount: $$-$$$<\/p>\n<p>Who needs this: People with children, people who don\u2019t have dental as part of their health insurance plan<\/p>\n<p>Teeth are expensive. They really are. You\u2019ve got to get those puppies checked out every six months or so, and while it\u2019s not fun, it\u2019s important to protect your teeth from decay and other nasty stuff. Kids, too, are prone to cavities, gingivitis and more, so you\u2019re going to be paying for those babies to get their pearly whites checked and cleaned.<\/p>\n<p>Now, a dental exam and cleaning doesn\u2019t cost a ton. You can pay anywhere from $30 to $200 to have an examination and a cleaning. But what happens when your ten year old bites the dust on his bike and his front tooth pops out? When your four year old has a cavity because her babysitter always \u201cforgets\u201d to brush her teeth?<\/p>\n<p>Dental insurance is a good idea, in most cases. It\u2019s not too expensive \u2013 the premiums can be as low as around $10 per month. There is usually a maximum annual and lifetime cap on how much can be covered, but if you don\u2019t have a dental rider on your health insurance, we think you should look into buying an independent dental insurance plan.<\/p>\n<ul>\n<li>Dental insurance is easy to qualify for, and it can save you a lot of money<\/li>\n<li>Dental accidents happen, whether you\u2019re four or 94<\/li>\n<li>This insurance isn\u2019t always included in your health coverage so you may have to buy a separate plan<\/li>\n<\/ul>\n<h2>9. Burial insurance<\/h2>\n<p>Monthly cost: $$<\/p>\n<p>Is it necessary: Kind of<\/p>\n<p>Ease of application: Easy<\/p>\n<p>Coverage amount: $$$<\/p>\n<p>Who needs this: Any person who expects to die at some point<\/p>\n<p>The last type of insurance on our list of insurances is burial insurance. Now, it sounds morbid and sad, but everyone dies some day! Funerals are expensive, as are burial plots and caskets, so it makes sense to be prepared, right? The average North American funeral costs upwards of $10,000. Do you want your family to worry about that when they\u2019re grieving the loss of you?<\/p>\n<p>There are a few things you can do to combat this. The first is simply to choose cremation. Cremation costs an average of about $1,000 and is affordable for just about any family. You can state in your will where you\u2019d like to be laid to rest.<\/p>\n<p>The second option is that you can buy your cemetery plot and casket in advance. Again, it sounds morbid but it will save your family a lot of heartache.<\/p>\n<p>The third option is burial insurance. You can have final expense insurance will ensure that your family doesn\u2019t have to worry about extraordinary expenses when you die. The problem is that it\u2019s super expensive. You can pay about $50 per month for burial insurance as a 50 year old \u2026 and you\u2019ll be paying that for decades! If you live to 80, you\u2019ve paid out $18,000!<\/p>\n<p>The choice is yours \u2013 it\u2019s your family and it\u2019s your call to make. We recommend either having a savings account in place to help cover your burial costs, to purchase your plot and casket before your death, or to simply choose cremation.<\/p>\n<ul>\n<li>Burial insurance is super expensive \u2013 you may be better off just purchasing your plot and casket now<\/li>\n<li>Cremation is another affordable option to keep your loved ones from struggling when you die<\/li>\n<li>You can pay tens of thousands of dollars in burial insurance for just a few thousand dollars in coverage, so do the math before you buy<\/li>\n<\/ul>\n<h2>Conclusion<\/h2>\n<p>It\u2019s good to have someone have your back when things go wrong \u2013 even if that \u201csomeone\u201d is an insurance company! There are oodles of types of insurances out there to choose from. Some you need, and some you don\u2019t. Do your research before you sign up to pay the premiums, then enjoy the peace of mind your insurance can give you.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When the pipes burst or you come down with the flu, who\u2019s got your back? Well, the various types of insurances you can buy, of course! Let\u2019s face it. We don\u2019t all have a ton of cash on hand to deal with unexpected emergencies. That\u2019s why you need insurance \u2013 to help you get through the tight spots. In this guide, we\u2019re going to talk about: The different types of insurance you can get Who can qualify for these insurances Whether you really need insurance or if it\u2019s more of a luxury No matter whether you rent your home, own <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_cloudinary_featured_overwrite":false,"footnotes":""},"categories":[9],"tags":[],"class_list":["post-527","post","type-post","status-publish","format-standard","hentry","category-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Protect Yourself: 9 Great Insurance To Back Yourself Up - dollarnerdz.com<\/title>\n<meta name=\"description\" content=\"There are so many different types of insurances out there - how do you decide which ones you need? 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