If you've been in a car collision, you understand the value of having vehicle insurance. Every state mandates owning at least basic liability coverage. Liability protects you from being responsible for damages or injuries you cause to others in a collision. You can also choose from several other types of car insurance with different degrees of coverage. Medical expenses for anyone in your car can be taken care of with medical payments insurance. There is also underinsured motorist coverage that protects you from drivers with little to no insurance. Being familiar with all your insurance options and selecting the correct coverage can save you money and help protect you and your family in case of an accident.

Home Insurance

The repercussions of owning a home without insurance can be very costly. If your home is damaged or destroyed by flood, fire, or some type of natural disaster; you will be liable for the complete cost of rebuilding your home. Home insurance may also be able to restore your personal belongings or protect you if you are responsible for damage to someone else's property or an injury sustained at your home. Along with that, you could also receive coverage to handle court fees and food and lodging if you have to leave you home. Meeting with an insurance agent can help you determine which type of insurance best fits your life and budget.

Renters Insurance

Broken or frozen pipes. Flood or fire damage. An unexpected theft. Such events and many others can cause the possessions of a renter to become damaged, destroyed, or stolen. Because a renter's possessions are likely not insured by their landlord's insurance, a renter should have an active and comprehensive renters insurance plan. This coverage can replace those possessions and also provide for other expenses like liability, medical charges, court fees, and hotel accommodations. Make sure you are protected when you have renters insurance coverage.renters insurance liverpool ny