Insurance

 

It feels like every time I turn around, I am needing insurance for something.  Car, renter's, home, life, travel, flood, dental, eyes, medical, pet.  There seems to be insurance for everything. While I do have some of these insurances, I do not have them all.  I do not need them all, at least at this point in my life.  I have car and renter's insurance.  I have all of the health insurances covered through my job as well as a small life insurance policy.  But I need to change some things up and look for more bang for my buck.

I want to change up my car insurance.  I know that there are better deals out there I just need to do the research.  And I want to find an insurance company that has both car and renter's insurance.  That would make things very convenient.  The last time I actually looked, the company I was interested in did not offer renter's insurance in North Carolina.  I believe that has now changed so I need to take another look at them.  But this is one area where social media and the internet completely suck.  If I inquire to these companies about plans and prices, everything in my feeds will be about that insurance company, whether or not I use them.  And my email will become inundated with emails from them as well. I once went to the Mayo Clinic website to get some ideas about health and diet and now I get about 7 emails a day from them.  I don't want that from an insurance company that I am not using!

Also, the older that I get, I am realizing that I need to invest in more life insurance.  This is for several reasons.  I can borrow against a life insurance policy if needed later in life.  I want to have some security for my estate.  I have debts that I am working on the repay and if I die before they're repaid, I want my life insurance to take care of that and not something that my family would need to worry about. I would also like to be able to leave my family a little something financially and chances are my career will not provide that, so life insurance is definitely in my future.  I just need to shop around.

The older I get, the more I think about things like this.  I do not consider it morbid, but someone may.  It's just a part of becoming a responsible adult.