The 5 Types of Insurance Everyone Needs

IMS insurance
Like disability insurance, life insurance covers lost income in the event of your death. Unlike disability, this policy protects your family more than it protects you.

There are hundreds of insurance products, carriers and agents. Enough to boggle your mind and make you wonder what kind of insurance you truly need. When you boil it all down, however, it is not that complicated. There are only five must-have policies, and an agent from a company like IMS insurance can walk you through each.

Auto Insurance

This policy comes with a legal requirement. If you want to drive a car, whether it is yours or someone else’s, you must have auto insurance.

Health Insurance

Most people receive health insurance through their employer. If you do not, investigate ways in which you can obtain a policy. Medical care is expensive, and health insurance helps defray those costs.

Homeowner’s Insurance

Protect your home with the right homeowner’s policy. That includes any additional coverage you may need based on where you live, like in a flood plain, for example.

Disability Insurance

Disability insurance covers lost income due to an accident that leaves you unable to work. It is flexible, too, and can cover you if your disability is short-term or permanent.

Life Insurance

Like disability insurance, life insurance covers lost income in the event of your death. Unlike disability, this policy protects your family more than it protects you.
Other policies may also benefit your lifestyle. Speak with a knowledgeable agent, like those at IMS Insurance, to find out more.