| By :
Mark Etinger
Insurance. You may not like paying for it now, but you sure will if something goes wrong. Your rates will be decided by who you are, what you've done, and basically how liable you are to need the payout. Here are the top ten kinds of insurance everyone needs, or at least needs to know about. 1. Health Insurance: This is probably the most famous (or due to recent events, infamous) kind of insurance. Medical bills can be ghastly and choosing a good insurance company is important to saving a lot of money. 2. Car Insurance: If you drive you must have car insurance. You can easily be arrested if you don't have any, and plus, it helps if you get in an accident. Although it can be expensive, you don't have many options besides choosing safer cars and not getting tickets, if you want your costs to stay low. 3. Life Insurance: If you have a family, life insurance is an important addition. What if you die? What will your poor children eat? No, seriously, the amount you pay each month depends on the peace of mind you want to have knowing that your kids aren't going to go hungry. Risk factors, like your occupation, can make a big difference, however. 4. Home Insurance: It's important to compare companies for price, reliability, and discounts for good behavior. Valuing your home properly can help reduce your premium. Talk to a builder to get a better idea about how much your home is worth. 5. Long-Term Care Insurance: This insurance covers the effects of your being in an accident and not dying. If you can't take care of yourself, you're going to need to be taken care of, and that costs a lot of money. While this form of insurance can be expensive (more than $2500 for an annual premium) it is worth it if you're getting older and thinking about retiring soon. 6. Home Warranty Insurance: Let's say any of a number of your household appliances break. Do you really want to spend a couple of grand on a new washer and dryer? With home warranty plans you don't have to. Home warranty service means that when you pay for home warranty insurance someone will fix your faulty appliances, or if necessary, buy you new ones. 7. Dental Insurance: Paying out of pocket for dentistry can be expensive, especially if you need a root canal or a filling. And since you never know when you may have an accident, this kind of insurance is a good idea to invest in. 8. Disability Insurance: If you're a neurosurgeon, and you get into a horrible kitchen accident and loose a finger without having disability insurance, you won't have a way to earn a living. This insurance helps cover you if you get into an accident and can't work. Not a bad idea. These eight types of insurance are a great way to ensure that you have peace of mind, all the time. No matter what capricious Fortune throws at you, you don't have to worry about it with these insurance plans.
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