Flood Insurance, Disability Insurance, and Pet Insurance

Alright girlfriends, I know on a daily basis we are trying to do everything we can to PREVENT disasters from occurring in our house (i.e – the kids from jumping off a large structure because they think they can fly, maiming body parts with blunt objects etc.) but when I was out at dinner with some of my favorite girlfriends last week I was shocked to hear how few of us knew where our money was, if we had insurance, what stocks we owned, etc. Most of us agreed that if our husbands got hit by a truck tomorrow we would kind of be at a loss as to where we stood.

Honestly, I like to joke at being a little checked out but this is so pathetic. Before we had babies and husbands we were completely self-sufficient, independent women. Now I know must be fair, most of the brain cells did leave our bodies with the placenta but we need to be a little more well rounded and involved. If for nothing else, but for the example we are setting for our daughters. I don’t want my daughter think without a man I would be lost or helpless or incapable of making a sound financial decesion.

So, in an effort to put my money where my mouth is (once I find out from my husband WHERE it is..LOL) I thought, I would just try to post some information just to help us start to …well get smart again. I am going to try to do this going forward. You know, presenting information that is not just funny or celebrity gossip or just making fun of people…LOL..you know something to help you feel smart again.  I will try to keep the information short but …well informative.  So let’s begin class with three types of important types of insurance that most of us probably don’t even think about but can be really important.

Flood Insurance

It seems a though the natural disasters we are seeing is becoming more and more prevalent. Hurricane Katrina gave us a first hand example of why it’s important to have flood insurance. Flood Insurance is designed to protect you against natural disasters such as floods and other water damage. So, if you live in a flood zone or low lying areas that are prone to flooding it’s quite a gamble to go without flood insurance. Yet people do. Most the time it’s for economical reasons, taking the risk that it will never happen to you. Katrina was a glowing advocate of why all individuals should carry flood insurance in risky flood prone areas. Many of the victims of the Katrina paid the ultimate price, losing their homes and in many cases their lives.

Disability insurance is another form of insurance that we should never go without, regardless of geographic location. Disability insurance helps pay for expenses when you’re out of work. Disability insurance plays a critical role in sustaning your income and protecting your family.

If you have a high-risk job that may result in long periods of injury may cost you more in premiums, nut sure is nice when needed. Many individuals think of disability insurance as the insurance that pays in case of injury at your job. But, it also pays for such things as illness. In fact, illness is the most common issue associated with disability insurance claims. This is particularly valuable as some of the major illness’ such as cancer can not only devastate your family, but have severe impact on your family economically. So, take a serious look at disability insurance when planning for insurance protection of your family.

Pet insurance is probably the least common of the types of insurance that are out there. Much like human health insurance pet health insurance protects your pet against the costs of health related issues. Over the last several years pet insurance has become more and more popular insurance product. And for good reason, it’s relatively affordable, in fact very affordable; some programs are as low as $20 a month. The cost of proper pet health care can be pretty expensive. An when you’re trying to do the right thing for your pet the last thing you want to worry about is the costs. Many owners choose euthanasia over simple medical procedures. This is all too common. If you can’t afford proper veterinary care look into pet insurance to help with those unexpected pet health care costs. Tags: Flood Insurance, Disability Insurance, Pet Insurance

Okay ladies, now that we have more brain cells firing…anyone want to talk about something REALLY important …like the shoe sale at Neiman’s??? (We kid, we kid.) Now go forth with your insurance knowledge.

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