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Top 5 Personal Insurance Policies You Need

By June 29, 2023July 11th, 2023Personal Insurance

Life is full of uncertainties so it’s important to protect yourself and your assets from unexpected events. As your trusted insurance advisor, the professionals at Unity Insurance understand the value of safeguarding what matters most to you with insurance coverage that fits your unique needs. In this article, we’ll explore the top five personal insurance policies that can provide you with peace of mind and ensure that both the people that matter most to you and your belongings are protected.

Safeguard Your Haven with Homeowners Insurance

Your home is more than just a building—it’s where memories are made and cherished. Homeowners insurance provides comprehensive coverage for your property against risks such as fire, theft, natural disasters, and liability claims. It offers financial protection for your home’s structure, personal belongings, and even temporary living expenses in case of a covered loss. With homeowners insurance, you can enjoy the comfort of knowing that your haven is well-protected.

Cover Your Belongings, Even in a Rental

Even if you don’t own your home, your personal belongings are still valuable and deserve protection. Renters insurance is designed specifically for tenants, providing coverage for your belongings in case of theft, fire, or other covered events as well as additional coverage for liability if someone is injured in your rented space. Renters insurance is an affordable way to safeguard your possessions and have peace of mind, no matter where you call home.

Protect Yourself on the Road with Auto Insurance

Auto insurance is an essential policy that protects you, your vehicle, and others on the road. While coverage requirements vary by state, the need for auto insurance spans state lines as it provides coverage for damages to your car, medical bills resulting from accidents, and even liability protection if you’re at fault in an accident. With the right auto insurance, you can drive with confidence, knowing that you’re protected against unexpected situations on the road.

Get an Extra Layer of Protection with Umbrella Insurance

Sometimes, the coverage limits of your existing insurance policies may not be enough to fully protect your assets. Personal umbrella insurance provides an additional layer of liability coverage that extends beyond the limits of your primary policies, such as homeowner insurance and auto insurance. It offers increased protection against lawsuits, large liability claims, and unexpected events that may exceed your existing coverage. Umbrella insurance covers you with an extra safety net, providing you with peace of mind and protecting your assets from unforeseen risks. 

Secure Your Loved Ones’ Future With Individual Life Insurance

While we all hope to live long lives, life is unpredictable so it’s essential to plan for the well-being of your loved ones. Individual life insurance is a policy that provides financial protection to your beneficiaries in the event of your passing. It ensures that your loved ones are taken care of by providing a lump-sum death benefit payment that can cover funeral expenses, outstanding debts, mortgage payments, and even future financial needs. Individual life insurance offers peace of mind, knowing that your family’s financial future is protected.

Other coverages you may want to consider include:

  • Condo insurance 
  • Watercraft insurance 
  • RV insurance 
  • Valuable possessions insurance 
  • Long-term disability insurance 
  • Long-term care insurance

Protecting what matters most to you is a priority, and personal insurance policies are the key to achieving that goal. Whether it’s safeguarding your home or belongings with homeowners and renters insurance, ensuring your safety on the road with auto insurance, securing your family’s financial future with individual life insurance, or adding an extra layer of protection with umbrella insurance, there’s a policy tailored to your needs.

Contact the Team at Unity Insurance to Evaluate Your Personal Insurance Needs

At Unity Insurance, we know insurance plays a vital role in every stage of your life and business. That’s why we serve as your advocate from the very beginning. Our professionals provide guidance and support to ensure you make the right decisions. We work with our clients to provide the best plan for individual needs. Call 410-539-6642 to learn how the experienced insurance agents at Unity Insurance can assist you.