You might be a bit nervous about the future…so many changes and so many unknowns.

A car, home, condo or apartment will add to your financial responsibilities. A little one on the way presents new worries. 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. Getting married is a good time to combine policies. Some insurance companies will quote low amounts of coverage which may leave you financially vulnerable. Sure the price looks good but be sure you and your family 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 when you rent

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, crib, mattress…your stuff. Show wisely and compare coverage.