Driving provides every individual a sense of freedom, but with every freedom there are responsibilities. The most important responsibility while driving is the safety of yourself, of your passengers, fellow drivers and your surroundings. Auto insurance helps you live up to that responsibility by ensuring your ability to cover the expense of potential damages or injuries. Auto insurance also protects the investment in your vehicle and offers a means to manage unexpected expenses due to an accident, vandalism or theft. After all, an accident is just that, an unplanned event.

The biggest asset for most people is their home. Lose that, and you will likely lose a big part, if not most, of your net worth. Even if you don’t own, but rent, you can still easily lose all your belongings in a sudden fire. That’s where homeowners and renters insurance comes into play.

Homeowners insurance will protect your property whether it’s a ranch in the country or a condo in the city. Homeowners insurance will not only cover a home structure, but also the contents. Of course, all of this depends on how much coverage you purchase and whether you have any add-ons, known as endorsements, attached to your policy.

Manufactured/Mobile home insurance is similar to regular home insurance. In general, manufactured home insurance policies provide two kinds of coverage. The first is coverage for your home and personal property such as clothes, appliances other personal possessions against perils such as fire, lightning, wind or hail damage. The second is liability coverage against lawsuits that may be filed by people who are accidentally hurt by your actions or activities.