Is the Need for Insurance Legit?
By Sheryl Homer
Let’s be honest, most of us don’t get excited when we hear the word insurance. To many, it probably feels like something we pay for but never actually see the results of, because we hope we’ll never have to use it. It’s a lot more fun to spend money on something you can see and admire, like a new car. So, is the need for insurance legit?
Absolutely. And here’s why.
Life Happens
Life is unpredictable and sometimes even messy. Accidents, natural disasters, and unexpected losses happen every day, often when we’re least prepared. Insurance isn’t just a formality; it’s a financial safety net that protects you when things go sideways.
These things happen to real people every single day.
It’s About Protection, Not Just Payment
Most people only think about the premiums they pay, and that’s understandable if they’ve never had a loss. But insurance is really about peace of mind. When you know your Home Insurance will help pay for your home that was destroyed by a tornado, you can focus on recovery. You can breathe a little easier.
Think of insurance like a seat belt: you don’t buckle up because you plan to crash, but because if something happens, you’ll be protected.
Not Having Insurance Can Cost More
Some people try to save money by skipping coverage or lowering limits. But one accident, tornado, or lawsuit can wipe out years of savings. Just a few examples include:
- A car accident you’re at fault for? You could be sued for more than you own.
- A house fire with no insurance? You lose your home and your financial footing.
- A Product Liability lawsuit for a manufacturer? Defense cost alone can put a business in financial distress.
The Right Insurance
You don’t need every kind of insurance, but you do need the right ones for your stage in life. Whether you’re renting your first apartment, buying a car, or running a business, insurance is a smart move.
I like to think of insurance being a shield. It won’t prevent bad things from happening, but it can make dealing with them a whole lot easier. In a world full of uncertainty, insurance is one of the few things that brings some stability to the table.
So yes, the need for insurance is legit. And if you haven’t reviewed your coverage lately, now’s a great time to do it. I’d be happy to help you. Contact 402-475-3213 to make sure it still fits your needs.
