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Your ability to earn an income is the only asset you have that makes everything else possible. Most people spend a great deal of time, energy and money to acquire and insure homes, cars and other possessions. But, how long can they keep any of these assets if their income is interrupted for an extended period? Between the ages of 35 and 65, seven out of ten people will become disabled for 3 months or longer. The truth is there is no way to predict who will become disabled during their working years.
Much like home, health, and auto insurance, long term care insurance is available to help you protect yourself, your family, and your assets when financing long term care. Long term care insurance can pay for you or your loved ones' nursing home, assisted living, and home health care costs, which would otherwise be paid for out of pocket (by you or your spouse or children). Very little, if any, of these costs are covered through Medicare and Medicaid.
The success of a business, whether it's a tiny enterprise run out of a basement or a large corporation, is largely dependent on hard work and ingenuity. However, no matter how industrious you are, one disaster can wipe out all your profits and even destroy your business. The key to making sure that all the effort and money you have invested in a business doesn't disappear when a disaster strikes is to protect it with the appropriate insurance.
Today, health care costs are high, and getting higher. Who will pay your bills if you have a serious accident or a major illness? You buy medical insurance for the same reason you buy other kinds of insurance, to protect yourself financially. With medical insurance, you protect yourself and your family in case you need medical care that could be very expensive. You can't predict what your medical bills will be. In a good year, your costs may be low. But if you become ill, your bills could be very high.
Additionally, there is always the chance that one of your vehicles will be stolen, vandalized, or damaged. In any of these situations, your potential financial loss could be great. To guard against such risks, you need auto insurance. Minimum coverage requirements for auto insurance are determined by local law and vary from state to state. It's likely that you will be required to purchase some level of both bodily injury liability and property damage liability coverages. However, an automobile loan lender may require more.
When looking to insure your farm operations or hobby farm, the coverages you need will be different from that of the coverage of a typical homeowner. Today's farmowners policies are extremely flexible. These policies can be tailored to fit specific needs of each individual farm or hobby farm. A farmowners policy can be written as simple as covering a home with a few acres, an outbuilding (such as a barn, granary, or machine shed) and maybe a tractor and couple horses. Or a farmowners policy can be specifically tailored to address the exposures of a several acre farming operation with many head of livestock.
You may need homeowner's insurance because your mortgage lender requires it. But, even if you own your home outright, you still need homeowners insurance to protect that which you can't afford to lose. It is really that simple. All that hard work can go down the drain in a matter of minutes when, for example, a tornado devastates your house, a burglar robs and vandalizes your home while you're gone, your dog bites and severely injures a neighborhood child, a guest in your home is hospitalized after falling on your icy stairs, or a neighbor sues you for personal injury after your chimney topples over on his head.