essential insurance for your family. What if something happened? It is a question that is on our minds and could easily keep us from having a peaceful night. For this reason, and because we care about your family, we decided to make a list of the five essential insurance that your family needs. We know what it is to want the best for our loved ones and seek their well-being at all costs. Take paper and pencil and don’t miss a note.
Love is also caring: 5 essential insurance policies
What we love most is what we want to protect most. Our children, our parents, our siblings, and even our pets are the most important things in our lives. And no matter what happens, no matter how uncertain day-to-day life may be, we want to make sure that they are safe and do not lack anything.
Fortunately, we have a simple and effective tool to protect those we love most from all the risks, unforeseen events, or difficulties that it may bring: essential insurance for your family. Let’s see which ones!
1. Supplementary plan or health insurance
Health is the most important thing, and we cannot afford not to be protected in the event of an illness or accident. Health insurance or a complementary plan guarantees us access to quality medical care without worrying about costs. These programs can cover everything from doctor visits to complex surgeries, depending on the plan you choose.
In addition, many of these insurances or plans allow you to access benefits, specialists, preferential services, or prevention campaigns to comprehensively protect your family’s health.
If you want to learn more about the different health plans available and how to choose the right one for your family, I invite you to review our article on Health Insurance.
2. Home Insurance
Second on the list of essential insurance is home insurance. Home is where the heart is. Therefore, protecting your family is also protecting your living space. Unfortunately, many things can happen that put what you’ve built over the years at risk. Imagine that a fire occurs in your home and you lose all your belongings, or that your house is damaged by an earthquake or hurricane.
Faced with these unforeseen events, we have home insurance to protect the place where we live and everything in it. With adequate home insurance, you can protect your home and your belongings in case of eventualities.
These insurances cover a wide variety of damages, including fire, theft, vandalism, and water damage, among others. Some policies may also include protection for your home in the event of natural disasters such as earthquakes or floods. Additionally, some plans offer liability coverage, meaning you will be protected in case of claims for injuries or damages to third parties.
3. Car Insurance
Whether it is a work tool, a vehicle to travel with your family, or simply a means of transportation, your car is an integral part of your home. Therefore, if you have a car, one of the essential insurance is auto insurance.
These insurances protect you in case of traffic accidents, theft, or damage to your vehicle. In addition, depending on the policy you choose, you can count on assistance, third-party liability or damage coverage, and additional services.
Of course, you must always have mandatory insurance ( SOAT ). But remember that SOAT is not comprehensive coverage, it covers medical expenses in case there are victims in an accident. But in the event of an accident, it will always be better to have additional support that covers damage to your vehicle and third parties. If you want to know how to choose the car insurance that best suits your needs, we can help you here.
4. Life Insurance
As sad as it is, we won’t be able to always be there to protect our loved ones. But what we can do is ensure their well-being as much as possible once we are no longer here.
Life insurance is a great way to protect your family in case something happens to you. This is especially important if you are the main breadwinner for your family. In that case, this insurance can provide financial support that will help your loved ones meet their needs in the event of your death.
There are different types of life insurance, from term insurance to permanent insurance. The amount of coverage you need will depend on your personal situation, such as your income, debts, and monthly expenses.
5. Pet Insurance
For many of us, our pets are not just companion animals. They are part of our family. We share our time, and our space with them, and on many occasions, they are emotional support for us and our children. Therefore, they also deserve security, health, and well-being. This is why pet insurance exists.
Our dogs and cats can get sick or have accidents just like us. But many times visits to the vet can represent unforeseen expenses that unbalance your accounts. In these cases, pet insurance can cover your pet’s medical and surgical costs in the event of illness or injury or even funeral expenses in the event of death.
Pet insurance also offers coverage and legal assistance for injuries or damages to third parties caused by your pet, expenses related to the loss of your pet, or even vaccination services and nutritional guidance.
Don’t know where to start?
Choosing the right insurance for your family can be a daunting task, but it doesn’t have to be. Here we show you what steps you can follow to find an insurer that suits you:
First, it is important to quote several options for each type of insurance you need. Remember that quotes can vary greatly from one insurer to another, so it’s important to compare carefully. But you can leave that to us.
At Pérez Lara we offer you a practical and effective solution to find the insurance you need without having to contact every insurer in the country. We work with 18 insurance companies to offer you a wide variety of options and quotes in different locations. In this way
Compare the coverage offered by different insurers. Not all insurance policies are created equal, and some offer broader coverage than others. We advise you to choose the policy that covers all the specific needs of your family. So that’s why you don’t have to worry.
Consider the reputation of the insurer. Research insurance companies and their claim payment history. Look for opinions and reviews from other customers to get an idea of what other customers’ experience with the insurer has been like.