Covering the Basics
Basic coverages such as personal auto insurance, homeowners insurance, life insurance, and health insurance are instrumental in protecting your family, your income, and your biggest assets. Putting together a comprehensive plan with a personal insurance specialist to choose the right coverages and coverage limits is always a good idea.
Adding Comprehensive and Collision coverages to vehicles on your personal auto policy for example, is not always advisable. Depending on the age and condition of your vehicle, physical damage coverage may not offer much value at the time of loss and, therefore, may add unnecessary cost to your insurance premium. Working with an agent to help determine the cost and benefit of physical damage coverage for each vehicle on your policy helps to insure that your are getting the best value for your insurance dollar.