"Failing to Prepare is Preparing to Fail." - Benjamin Franklin
If these past 5 years alone haven't proven it enough, uncertainty is a real thing wherever you are.
Nevermind the fact that as of this writing, we collectively are still maneuvering out of a global pandemic, each year brings its own version of uncertainty.
For some, this may well resonate beyond the community and can very well hit home (no pun intended).
Natural disasters like fires, hurricanes, and floods continue to ravage and decimate homes and communities each year. Civil unrest within the past few years have also contributed to the destruction of homes and properties within that time.
As such, thousands of people a year lose a lot in their value of their property and valuables. Those who were insured will recover faster than those who do not have insurance.
If you own a home, it's a no-brainer to own home insurance, even if your state does not mandate it. If you do not own a home, consider getting Condominium or Renter's Insurance, as this article applies to you as well.
Below are 5 of the most common reason why home insurance should top your list of insurance policies to prioritize:
At one point in your life, you're going to need roadside assistance for a variety of reasons.
Think about the last time you drove down the freeway, or even the road. Do you remember how many disabled cars were on the side of the road with their drivers trying to fix the problem?
Perhaps they were dealing with a flat tire, an empty tank, or even an overheated engine... all amidst heavy traffic...
Now, let's think of the last time you (or someone you know) locked yourself (or themselves) out of your car.
Or what if your car didn't start? Of course, you thought your car battery was fine; after all, you just got it yesterday, right?
If you drive often, especially for work, the last thing any working person needs is to explain to their boss that car troubles caused them to be late.
Frustrating as they are, problems with your car will always arise.
It IS a part of natural wear-and-tear process any vehicle we use will undergo over time.
It only gets worse over time. According to Forbes, if your car is 10 years or older, your car is more than twice as likely to end up on the side of the road and more than four times as likely to need a tow.
Before considering whether or not you need roadside assistance, let's take an overlook at what it does and how to get it:
You may have heard that bundling your insurances may save you money... but is that really the case?
On a yearly average, 76% of Americans who shopped around for policies report saving money on their next policies by doing so.¹
If you're in the market for insurance, most likely you may be shopping around with several companies (which is the smart thing to do!)
One of the most common moves many policyholders make is bundling two unlike policies together under the same insurance company.
If you're like most consumers, you'd be wise to look for deals while shopping around. Consider this thought - what if you didn't have to look far for the best possible deal for your money - that, perhaps, the best deal for multiple insurance policies you seek happen to be under the same provider?
If you're someone who's already set on going with the same provider, good for you! Otherwise, if you're on the fence about going under the same provider, here are 3 reasons why bundling your policies may give you the best bang for your buck:
"In this world, nothing is certain except death and taxes." - Benjamin Franklin
More than two decades later, despite the rapid change marking each decade since the turn of the 20th century, Ben Franklin's quote still timelessly rings.
As we've seen throughout even the turn of the new millenium, with more change comes more uncertainty.
The dawn of new technology replaces more traditional or more tried-and-true methods of daily life.
People can now pay for everything using their phone, let alone connect instantly to someone miles away with this new technology.
Cars alone are getting smarter by the year.
Still, even the dawn of smart devices and items hasn't curbed, reduced, or even averted instances of uncertainty for many people - specifically, things like accidents, natural disasters, and the like of which cause what the insurance world calls a loss.
For that reason, it's not just more important, but ESSENTIAL, to ensure your future in the midst of uncertainty.
If you have access to a car or require driving to work, you MUST have auto insurance. Period.
No matter what state you are in, almost every state requires you to have auto insurance before you can legally drive a car.
What happens if you don't get auto insurance?
Well, let's examine the figures below.
Knowing what your want to achieve is important, but planning now how to get there is essential. A portfolio is a combination of your different investments and can include stocks, bonds and mutual funds. Building a winning portfolio requires that you understand what you are investing in and why. Speak with your financial advisor and review your portfolio to ensure it is designed to meet your specific needs and goals.
Wealth planning is a process of managing your assets and liabilities in order to achieve your goals. The key to successful wealth management involves making a plan, implementing it and reviewing it on a regular basis to ensure it reflects your current needs. Aspects of wealth management include retirement, estate, insurance, tax and investment planning.
Have you began managing your wealth today? Let us help you and come visit our office today!
We are beyond excited to finally showcase our new website! Our agency has recently decided to take on a more adaptive approach to better serving our many clients, and we have commenced this step by launching a new and improved website as well as a social media campaign. You can find us on Facebook, Google +, Twitter, and LinkedIn. (all coming soon!)
Pinoy General Insurance Services has been in business since 1993. Through the years, we have served thousands of people with various insurance needs, a tradition of excellence that to this day we still proudly display during our daily operations.
If you have any questions, comments or concerns, please contact the office email at email@example.com and one of our representatives will take care of your request promptly!
Pinoy General Insurance Services is a division of pinoyinsurance.com, Inc.