Personal Insurance

If there is one thing in life that is guaranteed, it is that there are no guarantees at all. No matter how much you plan, prevent and prepare, sometimes bad things happen when you least expect it. 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.


Having adequate insurance coverage is an important aspect of sound financial and risk management. Personal insurance gives you and your loved ones a safety net that you can count on when life throws you a curveball. It can save you from potential financial ruin caused by disastrous events that you have absolutely no way of anticipating.


Do you have the coverage you need? 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 about personal insurance and how you and your family can benefit from having coverage.

How can personal insurance benefit me?

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 not enough cash savings to cover the cost of the unexpected, you benefit tremendously from having personal insurance.

What type of coverage is available?

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

Income Protection

Protects monthly income in the event that you are unable to work due to illness or unemployment.

Homeowners Insurance

Provides coverage for your home and personal possessions from theft and damage.

Personal Umbrella

Offers additional protection over and above the coverage provided by your home insurance or car insurance policies.

Permanent Disability Insurance

Provides coverage if you are no longer able to work because of illness or injury after an accident.

Offers discounts on treatments along with dental coverage for you and your family.

Provides vision care benefits such as routine eye exams and discounts on products and procedures.

Protects you from financial losses due to flooding caused by inclement weather and natural disasters.

Recreational Insurance

Covers costs associated with loss, injury and accidents while you participate in recreational activities.

Watercraft Insurance

Also known as “boat insurance”, watercraft policies give you the same protection and peace of mind on the water as you enjoy on the road with auto insurance.

Renters Insurance

Provides you with many of the same benefits that homeowners enjoy for protecting their belongings if you rent your home.

Provides coverage and protection from any loss associated with planning and executing your wedding.

Travel Insurance

Offers you coverage for unexpected events associated with traveling such as lost luggage, cancelled flights, medical expenses and accidents.

Jewelry, Furs and Silverware

Covers the costs associated with replacing or repairing very valuable pieces of property after loss or damage.

Provides coverage for long-term care situations such as living assistance or nursing home costs.

Critical Illness

Provides a lump sum payment if you are diagnosed with a specific illness, as outlined by the policy.

How much coverage is right for me?

When it comes to figuring out exactly how much coverage you need there’s no one-size-fits-all formula. Every individual has a specific set of circumstances that dictate the type and amount of personal insurance coverage they should have. A good basic guideline however is the kind of lifestyle you live, as well as your 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 were to happen.


When deciding on the optimal coverage amount, it is essential to take all your assets and liabilities into consideration to establish your current position. The ideal situation would be to have your personal insurance policy cover all costs and have a balance remaining to help you and your loved ones get back on your feet after a tragedy. However, at the very least, the policy should be able to cover any loss so that you are not left in debt or even worse, 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 in order 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 to 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 that has 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 and speak with one of our helpful agents to understand your options and get a free quote.

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