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Why Insurance is So Important!


You may have stumbled upon the about me section of my website to find out that before I became a stay at home mom and a blogger, that I actually used to be a customer service representative for personal lines insurance. There are so many stories I can tell you about people who didn’t have insurance, or were even underinsured and when a catastrophe came along, it was devastating.

As a mom with a family now, insurance is so very important to my family. There are so many different types of insurance you can purchase, and believe it or not, for not a lot of money. Whether it’s home, flood, auto, motorcycle, wind, health, or even life insurance, they are all so important. If you have a lot of assets to protect, an umbrella policy may be right for you too.

A few years back our house was struck by lightning and it fried every single electronic in our home, from televisions, to my laptop, toaster, sound system, and even our air conditioning unit. Thank goodness for our home insurance as it saved us thousands of dollars.

Read on to find out more on why I believe insurance is so very important.

Why Having the Right Insurance Is a Smart Financial Move
When it comes to personal or family finances, things can get complicated. Financial troubles can be the cause of stress, arguments, and discord between you and your loved ones. A comprehensive plan to take control of your financial situation is crucial to saving time, money, and future difficulties. Working with a good insurance agency will start you on the right path to a secure insurance policy.

Insurance is a vital component to streamlining your family’s finances. Maybe you’re underinsured, uninsured, or simply have the wrong coverage. Take some time to assess where your coverage is falling short and learn how you can get your needs met with a new plan.

Talking to an Insurance Agent
One of the first things you’ll want to do is talk to an agent who will help you figure out what kind of coverage your need. The world of insurance can be difficult and complicated to manage on your own. You don’t need to add any more stress into your life. Conversing with an agent can help clear things up and get you on the right track. If you’ve ever been curious about what an insurance agent does, click here to read more about their services.

Why It Matters to Family Financing
In essence, insurance is a way to manage risks and prepare for uncertain events. When you buy an insurance plan, you are preparing you and your beneficiaries to properly deal with unforeseen situations that may arise. Risk management in any form is an important component of making smart financial decisions. Many people simply don’t realize just how big of a role insurance plays in their financial situation. You can read more about the influence of insurance on family financing here.

Consider Home Insurance
If you think about it, your family’s place of comfort and stability is your home. Making sure you have comprehensive home insurance is an important step to protecting them from future troubles. Home insurance plans can cover everything from falling trees, fires, theft, and natural disasters. You can expand your plan to include the replacement of your home should something terrible happen to it.

Home insurance plans differ depending on the agency and your personal needs. In any case, protecting your home and your prized possessions is a great way to prepare for potential disasters. You and your family can end up being financially secure in the event something gets stolen or destroyed. Read more about the different options you have when you’re considering investing in home insurance coverage. Contact an insurance agency to figure out the best plan for you.

Be Secure
As a parent you want to do all you can to ensure your family’s safety and security. You’ll never know what accidents or disasters can occur in the future. There is also great a benefit to getting life, auto, and business plans to prepare for the future. When you talk to an insurance agent you’ll gain a more in-depth understanding of how to manage your risks and make informed financial decisions for your family. Take the proper steps to ensure your kids have a secure future. Work with an insurance agency today.

If you have any questions, please feel free to contact your local insurance agency, or you can ask below and I may be able to help. Just remember, I’m not licensed and do not know the coverage/answers to all questions per each state.

What insurance do you think is most important to have?

Disclosure: Everythingmommyhood may have been compensated for this posting. All opinions are those of our own.


Tuesday 30th of June 2015

this is a good message!


Wednesday 24th of June 2015

Thanks for the Wonderful Review on Why Insurance is So Important! I know that Insurance is very important! We have auto insurance, of course and we have home owner's insurance as well. We do not have health insurance other than Medicare. We do not have life insurance either. My husband says that we can't afford it right now. You are so right about finding out if you have enough coverage! When we were in our very bad auto accident by a hit and run drunk driver, we found out that we should have had more coverage. We just figured that our agent would call us to change it as time went on. We learned the very hard way! Thanks for sharing your wonderful review and your personal and professional opinions on Why Insurance is So Important with all of us! You know that I always appreciate all of your reviews!!!!! Thanks again! Michele :)


Monday 22nd of June 2015

I agree with Linda Manns Linneman, insurance is important. If you're going to own a home you definitely need to have homeowner's insurance, just like owning a car. You should always insure big ticket items. You should also have health insurance, but I guess that goes without saying.

Linda Manns Linneman

Monday 22nd of June 2015

Insurance is really a necessity for alot of reasons. It can sometimes be so expensive. It is best to shop around to get the most for your money. Thank you so much for sharing this important information


Monday 22nd of June 2015

What an awful thing to have happen. At least no one was hurt! Insurance is important, I think by law it's required too. My husband disagrees with me on this but I even have no trespassing signs posted.Even though we are insured, I want it to be seen, so if someone uninvited comes on the property and falls. They shouldn't have been there.