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A. L. Saland Insurance Solutions, Inc Blog

When should you review your life insurance?

Life insurance like many other types of insurance is not one and done. Your needs change over a lifetime, and you need to review your policies from time to time to make sure you have the coverage you need at that moment in time. At A. L. Saland Insurance Solutions Inc we work with our clients to find the best solution to their insurance needs. We are committed to simplifying the process of getting insurance. 

When you get a job

The first time you will probably be exposed to life insurance is through your employer. When you are given your employment packet you may have the option of signing up for life insurance. Take advantage of the opportunity. This is a bonus, and it would be a shame to pass it up. While it isn’t ideal, and if you change jobs it will gO away, for the moment it provides protection. 

When you buy a home

Homeownership is something many people hope to achieve. Once you have achieved it, it is time to think about protecting yourself with life insurance. You are young and healthy and life insurance is affordable. Think about getting a whole life policy that will be with you for your entire life. It offers a death benefit, but it also earns dividends. It is a way of saving while paying for protection. 

When you have your first child

Children come with lots of responsibility, one of which is to make sure they’re cared for. If something happened to you, would they be able to remain in their current home, remain in their current school, and perhaps go to college someday. Your life insurance can help provide that and more but only if you have it. 

If you’re ready to talk about your life insurance needs at  A. L. Saland Insurance Solutions Inc we are here for you.

4 Popular Myths About Home Insurance

When shopping for home insurance in Florida, you must have come across numerous pieces of information. The truth is some info is valid while the rest is not so helpful. But because separating home insurance myths from the truth can be challenging, A. L. Saland Insurance Solutions Inc. is here to set the record straight by debunking common myths about home insurance that are sold as the truth. 

Standard home insurance covers flood damage.

Many homeowners aren’t aware that the typical home insurance doesn’t cover flood damage resulting from overflow from nearby water bodies. While home insurance may cover water damage resulting from burst pipes and appliances, you may have to buy a separate flood insurance policy to protect you against overland flooding.

The medical payment on your home insurance covers injuries for you and your family members.

While it’s true there is medical coverage in your home insurance, it’s usually a liability coverage that protects third parties and not you and your family members. For instance, if a guest slips and breaks their leg while on your premises, the medical payments coverage pays for their medical costs. 

All of your valuables are covered damage or loss occurs.

Home insurance covers damage or loss to personal assets such as furniture, electronics, and clothing when a covered loss strikes. However, for high-value items like art, silverware, guns, and jewelry, most home insurance coverages only provide limited coverage. As such, you need to talk to your agent to add a floater for optimal coverage.

Home insurance is required by law.

While mortgage lenders may require you to purchase home insurance as long as the loan liability is outstanding, there is no state or federal law that requires homeowners to purchase home insurance. 

Would you like to protect your Florida home with home insurance? You can trust A. L. Saland Insurance Solutions Inc. for all your home insurance solutions. Contact us today for a competitive quote.

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