The penalties for getting a traffic citation tend to vary from state to state. In some cases, you can take a course to prevent points from being added to your license. Your insurance costs are based on the points you accumulate.

Your policy is purposely limited in such a way to make household premiums more attainable to everyone. If all home insurance policies covered every type of disaster or events such as snowstorms in Florida or tornadoes in California then ALL insured individuals would be paying very expensive rates.

In the event of a premature death, it’s important to make sure that all of your dependents will be able to live comfortably. You’ll also want to provide support for any unexpected legal, medical or funeral cost.

Pet insurance covers the costs of such events as unexpected veterinarian visits and medicine.