Life Happens

Insurance. We may complain when those premiums become due, but when we suffer a loss or damage, we are thankful we have it. There are many losses that we fear will leave us facing a financial catastrophe – motor vehicle accidents, house fires, loss of life, a catastrophic illness and more. The good news is all those things can be insured against.

But there other things in life we fear and for which we cannot purchase insurance. And let’s face it, if we could we would. You know what I’m talking about. Those instances that fall under the “life happens” category. Here are just a few of those life fears:

• Your children leaving home. Or, worse yet, your children never leaving home!

• Mornings without coffee (think about how many coffee shops are in a one-square mile radius. It’s astounding!)

• Three-day weekends with the in-laws

• Bad hair days, or …

• No hair years (you know who you are!)

• The return of the fashion trends of the 1980’s (see bad hair days above!)

• Being recognized as “that person from the Internet.” How many times have we parents said… “It’s a good thing they didn’t have Facebook when I was in college!”

• Not realizing your cell phone is on speaker phone

• Not realizing you never hit “end” after your cell phone call

• Ruined friendships (see above – not hitting “end” after cell phone call)

• Things that are unrestrained – whether it is emotions, aggressive dogs or baggy pants

• Those “deals” that seem too good to be true

• “Free” stuff

• Bad Christmas gifts … especially when a gift receipt is not enclosed!

• Living in a world without chocolate

• Snow shovels in September

• Unsolicited advice (see three-day weekends with the in-laws!)

Let’s admit it, if we could insure against much of those above we certainly would! And I’m sure you could add to the list as well.

All kidding aside, now that the new year is upon us, one thing you seriously should consider is a meeting with your insurance agent. Make sure you are adequately protected against those unforeseen circumstances – the ones for which you really can purchase coverage.

And if by chance you do suffer from one of the above-mentioned circumstances, you may just find your health insurance has a clause that will cover your much needed therapy!

Make it your resolution to review your coverage!

#homeessentials