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Whole life insurance policies often cost thousands of		Your home consists of more than a just your house. A
dollars a year, as opposed to the mere hundreds of		home includes the pool in your backyard, the tools in
dollars a year that the majority of term life insurance		your garage and the wedding ring on your finger. Most
policies cost consumers. For example, if you are a		importantly, it also includes your family, their happiness
healthy, non-smoking 35 year old male, you can get a		and safety. Homeowners insurance allows you to protect
10-year, $100,000 term life insurance policy for as little		every part of your home giving you a greater sense of
as $7.09 a month (or as little as $6.56 a month for a		security, knowing that you'll always have a warm roof
comparable female).		over your head. The sections below provide simple but
		vital information that will help you understand what
There are two basic types of life insurance: Term Life		homeowners insurance covers.
insurance, where you choose the coverage amount and
length of the policy; and Whole or Permanent Life		Before you sign on the bottom line of your insurance
insurance (of which there are many variations), which		policy, it's a good idea to have an understanding of the
combines an investment product with life insurance.		basics. Sure, it may look like a simple sheet of paper with
Whole life insurance is expensive, due mainly to its		writing on it, but it's a legally-binding document that
investment aspect, while term life insurance is very		outlines your rights and obligations should you be
affordable, especially with todays all-time low prices.		involved in an accident. As a rule, you should always
		read your policy carefully, cover to cover, including the
		dreaded "fine-print." This will prevent any
		surprises in case you need to make a claim.


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These coverages are extra and strictly optional features.		If you and your family are fortunate enough to enjoy
Rental reimbursement: covers vehicle rentals		extended periods of great health, you may want to
required because your car is damaged or stolen;		choose a higher deductible. For example,
Towing and Labor: covers charges in case of a		increasing it from $500 to $1,000 will significantly reduce
road breakdown; Auto Replacement: coverage is		your insurance premium.
available that ensures your car will be completely
repaired or replaced, even if these costs exceed it's		Research the various insurance plans, coverages and
depreciated value. This feature is not always available.		options. Find out which best suits you and your
		family. Don't buy more insurance than you need
Comprehensive insurance covers damage to your vehicle		(i.e. young married couple probably doesn't need serious
other than collision, such as fire, flood, break-ins,		medical coverage other than pregnancy). Consult
vandalism or theft, vandalism, break-ins, collisions with		an agent to answer any specific question pertaining to
animals, and fire. It also covers natural disasters		you.
like earthquakes, hail, hurricanes and floods (unless the
vehicle is overturned, in which it's considered a collision).
Like collision, comprehensive insurance is usually
required if your car is leased or financed.

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