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It is extremely important to obtain insurance protection for both yourself and your valuable assets before purchasing a home. Failure to do so can be like speeding down the highway at 100 miles per hour in a beater without a seatbelt. It could be very disastrous to say the least. One type of insurance that you don't want to go without would be disability insurance or insuring your ability to produce income. Long-term disability insurance will replace a portion of your lost income in the event that a disability prevents you from working. If you are dependent on your paycheck for income, then this type of insurance needs to be obtained. Many large companies offer disability insurance, but smaller companies usually don't. Having dependents would bring on the need to have life insurance. How would your family do if you passed unexpectedly and no longer had your income? You would no doubt want them to be able to maintain their current standard of living in that event. A comprehensive health insurance policy is important even if you are in good health. You really never know when some sickness will come about or some accident will happen. Medical bills can multiply very quickly even numbering into the hundreds of thousands in a snap. You don't want to go without health insurance. Because the risk of losing your home - an ever growing valuable asset, you will want to have good coverage on your home and your car. If your home should catch fire destroying both it and your car, then having your insurances in place namely, homeowners and automobile insurance will compensate you for your losses. With any type of insurance you purchase, you want to take the highest deductible that your comfortable with. High deductibles, or the amount of money that you would personally pay out if you experience some loss, usually serve to keep the cost of your coverage low and helps you avoid the messy process filling a small claim. You also want to purchase adequate liability insurance for your assets . Homeowners and auto insurance both come with liability protection. Carrying liability coverage for at least double the value of your net worth is really the wise course. Supplemental liability insurance also known as an umbrella or excess liability insurance can also be purchased in increments of $1,000,000. This type of insurance can protect people that have a larger net worth. Always better to be safe than sorry when it comes to covering yourself and your assets. You can always get in touch with this blog for regular tips on insurance