Personal Insurance Blog

Some of the best insurance is policy-free.

A lot of the time, insurance is about the money. Yes, yes, we understand. We pay bills too; we know what it's like to deal with insurance. Car insurance, home insurance, life insurance- it just seems to add up WAY too quickly for comfort. There are other ways to be comfortable too.

What am I talking about now?

I'm talking about things like seatbelts and helmets. These things are available to you, and definitely worth it. Have you ever bought a car without a seat belt? (The answer should hopefully be "no"). The seatbelt is there for you. What if you ever got into an accident? What if another driver's car simply SMASHES yours? That tiny little belt, strapped across your waist and over your shoulder, could be the very thing that saves your life. There could never be a price put on that.

Helmets are the same way. For a one-time fee to buy the helmet, you get super extra head protection. Falling off a bike, skiing into a tree- there are just so many FUN things that can be so RISKY. So why not just wear the helmet? Again, what's the value of the helmet versus the value of your brain, or even, your life? That thirty dollar helmet doesn't seem so expensive now.

These items that are made available for safety are truly only there to: KEEP. YOU. SAFE.

If you look closely, you can see that there is insurance underlying everything. Insurance ensures minimal loss. Insure your children from drowning by taking them to swim lessons, ensure your feet from the cold by purchasing and wearing warm wool socks, ensure your knees and elbows with pads when you first learn how to rollerskate. The ways to insure yourself from loss never seem to end. And what is insurance, after all?

We remind ourselves that insurance is protection against loss, a guarantee of safety and security. We do these things everyday, whether unconsciously or consciously. That's why we do things like taking swimming lessons- to reduce our risk of having fun with something enjoyable.

It only makes sense, right? We want to enjoy our lives with the least possible amount of risk involved. As a result, we do things that prevent injury and other forms of pain- such as financial pain. Sometimes the financial pain clouds our vision. Sometimes other things, such as being lazy, also cloud our vision. It takes not even a second to buckle a seatbelt, so why not do it? Why not buy the helmet and prevent the brain damage?

Take advantage of some of these risk reducers from the get-go. You'll never know when disaster will strike, and being prepared sooner rather than later is best because sometimes, later is too late.

If you have any questions on reducing your risk, or about insurance in general, feel free to contact us by clicking the button below. Learn more about personal insurance here.