Thursday, February 16, 2017

Five Common Types of Insurance: What Should You Cover and Why

You work hard for the things you own. Making sure they are protected should be a top priority. When the unexpected happens, having appropriate insurance coverage can offer you peace-of-mind to get you through the storms of life. Allstate Insurance agent, Melissa Ziegler-Penzato, provides her customers a full line of insurance products to help them protect the things they hold so dear.

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Auto and Motorcycle – Insuring a motor vehicle is not just good idea; it is required by law. Whether you are insuring a brand new car or a new-to-you vehicle, Melissa can help you determine the right amount of coverage for your driving needs.

Home and Condo – Your home is your castle, the place in which you feel most comfortable. Faulty wiring, severe weather, home appliances, and even the things you store in your garage could result in an unforeseen disaster. Protecting your home or condo with adequate insurance coverage cannot bring back things that are lost, but it can help you to replace them with and start to rebuild your life.

Rental property – If you are renting a home or apartment, your belongings are not covered if a disaster occurs. Renters insurance helps to protect your personal items if your rental property suffers a fire or other catastrophic event.

Business – Given today’s competitive business environment, organizations are always at risk.  Business insurance protects businesses of all sizes from a variety of losses including cataclysmic property damage as well as liability issues and employee risks.  Having the proper insurance to cover your business if an unforeseen incident occurs is as important as doing the best possible job for your customers and clients.

Life - Life insurance is an agreement between the insured and an insurance company in which the insurance company pays a specific sum of money to the insured’s beneficiaries upon their death. In return the insured pays the insurance company a premium.  Disabilities and other physical limitations which might impair their ability to make an income might also be covered depending upon the terms of the life insurance policy.

Determining the right insurance policy and coverage for your specific needs can be overwhelming. Contacting a professional such as Allstate Agent, Melissa Ziegler-Penzato, is an important first step in determine the right insurance products for you and your family.