Protect your home with

If you’re a homeowner, you know all the satisfactions, challenges, and frustrations being one can bring. For most of us, our home goes beyond just being one of the most significant assets we have. Its importance is not just measured in financial terms. That is why it is so important to protect your ability to keep your home no matter what. Unfortunately, there are several events that threaten your home:

Of course, if your home burns or is damaged in a storm, your homeowners policy helps defray the cost of restoring your home. Maintaining your home and walks, keeping them well lit and free of snow and ice can help prevent lawsuits from occurring. Nevertheless, accidents can happen to anyone. Sometimes the basic liability coverage that is part of your homeowners policy is not sufficient. You can easily and cost effectively increase your liability coverage by using a personal umbrella policy.

Adequate life insurance can make certain the surviving spouse or children have the financial resources to make ends meet so that they are able to stay in their home--A wonderful gift for which they will always be thankful.

The single most significant reason people lose their homes, however, is the result of a disability. Forty-eight percent (48%) of home foreclosures are due to the inability of the owner to work and earn a living because they are sick or hurt. Many times, the only way to save the home is to have a rapid infusion of cash as well as a replacement for the lost income. Disability income insurance and critical illness coverage do the trick. Unfortunately, many people have protected themselves against fires, storms, lawsuits, and death, but not against their disability.

You owe it to yourself, your family, and any one else that depends on you, to at least investigate the need for disability coverage. It can be a lifesaver and a home saver.

Call us for a free, no obligation consultation to review your current protection and examine what else you need to do.

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