Popular Insurance Types From Our Independent Insurance Agents
When it comes to insurance types or policies of insurance policies, of course, the Insurance advisors of St. Louis has way more than 4 types to offer. However, we wanted to highlight the 4 types of insurance policies that we write a lot. One type of insurance that we, of course, write a lot of policies for is auto insurance. That’s because auto or car insurance is required by the government in order to legally drive your car.
Other types of insurance policies that we write a lot of are homeowners, renters’ and health insurance. These are insurance types that most people deem necessary. We all want to protect our house, our stuff if we are renters, and our health. This blog post will discuss each type of insurance and includes a graphic. Use the graphic to easily reference and find out more about that type of insurance. It is also a shareable infographic if you would like to share this with friends or family members. You never know who might not know about the different types of insurances that they need.
Probably our most popular insurance policies and the one that almost everyone has because it’s mandatory. Auto insurance is also known as car insurance or vehicle insurance is a type of insurance that you need to get for your cars, motorcycles, trucks, and any other type of vehicle that’s driven on the road. States require auto insurance in order to provide protection against physical damage and bodily injury that come from an accident and the liability that can also arise from the accident. Auto insurance or vehicle insurance can also help with financial protection when your car is stolen. Some motor vehicle insurance policies will offer protection to damage that happens from non-traffic issues, such as your car being keyed. Hitting a stationary object might also be covered by some insurance policies. So be sure to get your car insurance quote with us today and we will do our best to get you the cheapest insurance policy possible.
Another popular insurance type is homeowner’s insurance and this is obviously popular because people want their home, family, and stuff protected. Home Insurance or Homeowners insurance is property insurance that is designed to protect your private residence. This insurance will usually combine many personal insurance protection types. These protection types can include losses that happen to your home, the content of your home, a loss of use (which can also include additional living expenses). A loss of personal possessions that belong to you as the homeowner can also be covered. Homeowners insurance can also serve as liability insurance for accidents that might happen at your home, such as a dog bite. LOOK:
Renters Insurance goes along the same lines for why people want to get it. People want to protect their belongings and their family. People also want to protect against anything that might happen while inside their home. Renters insurance, otherwise known as tenants insurance is a type of insurance that will provide renters some of the same benefits that homeowners get with homeowners insurance. Renters insurance doesn’t provide coverage for the dwelling, structure, however, it will cover some small alterations a renter might make to the structure. Renters insurance will provide liability insurance and the tenants’ property is also covered against things such as vandalism, fire, and theft. Expenses from a dwelling becoming uninhabitable will also be paid. The dwelling itself needs to be covered and the owner of the building is responsible. The building owner is not responsible for the tenant’s belongings.
Your body is what you need to get up every day and make it possible to do… Well, everything. You need to protect your health for many reasons, one of those reasons is even so you can pay for your health insurance. Health Insurance is insurance you get that protects you against the risk of medical expenses. Insurers develop a routine finance structure by estimating your overall risk when it comes to health care and health system expenses. This comes in the form of monthly expenses or payroll taxes. This is done to ensure there is enough money available to pay for the health benefits specified in your insurance agreement. Your benefits are administered by an organization, which can be the government, private business or even a non-profit organization. Health Insurance is defined as coverage that provides for the payments of benefits as a result of sickness or injury. This definition comes from the Health Insurance Association of America. Health Insurance provides for losses from medical expenses, disability, accident, accidental death and dismemberment.
Now you know 4 of our most popular insurance policies. You know why they are up at the top when it comes to the types of policies that we write. Now if you need one of these insurance policies, but don’t have it yet. Be sure to contact one of our independent insurance agents and ask them what Insurance Advisors of St. Louis can do for you. The good news is that since we are independent insurance agents, we work for you. Not for some huge insurance company, so our job is to find you the best coverage at the best price. Get an insurance quote today by clicking below and filling out the form.