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Professional Services
San Antonio, TX, 78205
There are various types of personal insurance. The first, and most popular is life insurance. Both cash value and term policy life insurance is offered. In addition, it may be necessary to to get additional insurance as a personal umbrella in order to cover any gaps and other types of insurance or to ensure personal belongings separately from that which is covered on other policies.
Many individuals purchase life insurance and health insurance in conjunction with both car and homeowners insurance. The majority of the general public feels that they are well protected by purchasing these four types of policies.
However, it should be noted that there are times when gaps in these policies can occur and may cost the consumer a great deal of money in the process. Therefore, purchasing insurance under a personal umbrella in order to cover gaps in other types of policies or to provide much needed cash in the event that unforeseen circumstances occur is vitally important to maintaining the financial health of individuals and their families. In addition, many families have valuable assets within the home which may require a separate insurance policy in addition to a regular homeowners policy.
This is especially true for families who have expensive jewelry or musical instruments or other types of objects in which they have invested a great deal of money. Many times even the best homeowners policies only provide for a portion of the total amount that is lost. In such cases this may mean that particular objects which hold a high value are not covered in their entirety and thus families must spend a great deal of money in order to replace those objects if they are lost. Conversely, getting a personal policy that protects these objects on an individual basis helps to ensure that they will be replaced if something should happen.
