Right now your world is full of possibilities. A car, home, condo or apartment will add to your financial responsibilities.

The decisions you make about insurance could have a big impact on your lifestyle for years to come.

Things happen despite your best efforts to prevent unforeseen events. Be prepared for the day if the worst happens.

Preparation begins with making good choices about insurance coverage. What do you need?

• Coverage for your car
• Coverage for your home or condo
• Coverage for your stuff
• Coverage for your legal Liability

Your Budget

Budget, Budget, Budget! Shop wisely when purchasing insurance. Some insurance companies will quote low amounts of coverage which may leave you financially vulnerable. Sure the price looks good but be sure you are fully protected. Always make a true apples-to-apples comparison.

Coverage for your car and legal Liability

Auto insurance covers damage to vehicles and property in crashes plus injuries to the people involved in the crashes. You should have

• Collision Coverage
• Property Damage Liability Coverage
• Comprehensive Coverage
• Medical Payment Coverage
• Bodily Injury Liability Coverage

Coverage for your home or condo and legal Liability

Homeowner and condo insurance covers financial losses related to your house and your stuff. It also provides protection from personal legal Liability if someone is injured at your home or your legal Liability if you are away from your home. Remember to compare coverage closely.

Coverage for your stuff

If you are renting you should protect your stuff from Loss if the building burns. In most cases your landlord will not reimburse you. Imagine the cost of replacing all your clothes, your music equipment…your stuff. Shop wisely and compare coverage.