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Starting The Year Off With the Right Insurance Policies

It’s a new year! And with it come all of the concerns, problems, businesses, ventures, and risks of life. In short, it’s business as usual!


The start of the year is usually when people and institutions draw up new strategies and objectives, new plans and goals, and set targets. As you make plans for your personal lives, work and business, you should not fail to consider the crucial role of insurance.

Insurance is protection against the loss of life and property, and there are not many ways to start the year than getting the right insurance policies for all your assets and liabilities, including your own life.



Motor/Auto Insurance

Statistics have it that you can spend up to $12,000 in overall costs resulting from an auto crash, even if you are unscathed. The cost increases to almost $2 million if fatalities involve other parties. Getting an auto insurance policy can be the difference between you and bankruptcy in the new year!


A motor insurance policy will cover damage costs in the event of an auto crash. This is an especially ideal choice if your job involves being on the road a lot of the time, as this is the risk you are most liable to.


In addition, this type of insurance covers automobile damage resulting from other factors like natural disasters. You can insure either your car or a motorbike.


Travel Insurance

If your job or lifestyle involves a lot of travel, you should opt for a travel insurance policy to cover liabilities that could arise from non-medical or medical emergencies. This policy is available for annual, multiple trips, and single trips (within 180 days).


You need travel insurance to provide a buffer for any sudden eventualities that come up. To be forewarned is to be forearmed.


Home Insurance

If you own a home of your own, then the greatest good you can do for yourself is to get insurance for it. In the case of disaster, a home insurance policy will provide a buffer against the worst of the financial damage.


A good home insurance policy caters to adequately replacing damaged or compromised home equipment and structure. In addition, it caters to living costs in a temporary abode while repairs are underway.


A house is not impervious to fire. In addition, if you live in an area that is susceptible to natural disasters, a home insurance policy should be a no-brainer for you.



Life Insurance

Most people don’t think of life insurance until they begin to grow old. Youths in their 20s see no need for it. But the truth is that the longer you wait to get a life insurance policy, the higher the eventual cost.


As you grow older, you have to consider additional responsibilities and people such as family and friends, aging parents, divorce, and marriage.


For these reasons, a life insurance policy is of utmost importance. For one, you can defray long-term health care costs for your aging parents.


In addition, if you do a high-risk job, a life insurance policy is an excellent way to guarantee your family’s financial sustainability long after you’re gone.



At Rolland & Associates, we believe that insurance is the best prevention against disaster throughout the year and beyond. Request a quote today to get started!