Personal Insurance Services

Protect Yourself and Your Family With Personal Insurance

No matter how much you plan, prepare, and try to prevent, sometimes bad things happen when you least expect them. A car wreck, extensive property damage, or a cancer diagnosis are all very real and possible scenarios that have the potential to turn your world upside down and leave you feeling hopeless and scared – especially if you are not prepared.

Lessen the effect these accidents and disasters have on your life and the lives of your loved ones by preparing the proper insurance plans to create a safety net. Having adequate insurance coverage is an important aspect of sound financial and risk management, and it can save you from the potential financial ruin caused by disastrous events that you have no way of anticipating.

If the unexpected were to happen right now, would you and your family be protected? Want to know more about how you can safeguard your interests? Learn more about personal insurance and how you and your family can benefit from having coverage by calling Ihry Insurance today.

Types of Personal Insurance Coverage

Personal insurance is any insurance that provides coverage for an individual, their family, and their possessions, which includes things such as life, health, and auto protection. If you have dependents or a business and do not have enough cash savings to cover the cost of the unexpected, you benefit tremendously from having personal insurance.

While the most common personal insurance options are life insurance, health insurance, and auto insurance, there are many others available, which include:

The Right Amount of Coverage for You

When it comes to figuring out exactly how much coverage you need, there’s no one-size-fits-all formula. Everyone has a specific set of circumstances dictating the type and amount of personal insurance coverage they should have. Take into account your lifestyle and financial situation. As a rule of thumb, the more dependents you have and the younger they are, the more insurance coverage you need. Having a high debt-to-income ratio also makes it necessary to have adequate coverage in the event that a worst-case scenario happens.

When deciding on the optimal coverage amount, it is essential to consider all your assets and liabilities to establish your current position. The ideal situation would be to have your personal insurance policy cover all costs with a balance remaining to help you and your loved ones get back up after tragedy. However, at the very least, the policy should be able to cover any loss, so you are not left in debt or financial catastrophe.

Insurance is not only for people with families and small business entities. Even if you do not have dependents or a spouse, insurance can protect you from loss and provide coverage for costs associated with damages, illness, or your final expenses. Having inadequate insurance coverage is just as bad, if not worse, as not having any insurance coverage at all. It is vital to consult with an experienced insurance agent to assess your coverage needs properly and create the most beneficial product for your situation. 

Ihry Insurance Can Help You Protect

What You Love Most

If the unthinkable were to happen, would you and your family be able to recover? Having personal insurance coverage gives you the confidence to live your life knowing that even if something happens to you and you can no longer provide for your loved ones, they will be taken care of and can continue to live the way you want them to.

Whether you’re searching for auto insurance for a new car, affordable health care insurance, or a comprehensive life insurance policy, it is important to work with a trusted insurance company with a proven track record and years of experience in the industry. Work with an agent that takes the time to fully understand all the aspects of your coverage needs and develops a custom insurance policy to protect your family and your assets.

Contact us today at Ihry Insurance and speak with one of our helpful agents to understand your options and get a free quote.