Personal Insurance

Protecting yourself and your loved ones is something you should take seriously. At Noble Insurance, we can help you plan for the worst, ensuring you're financially covered for any situation. How? Through our comprehensive personal insurance coverage policies. One or more policies can cover anything from your car to your life.

Read on to learn more about how personal insurance coverage can help you.

Personal insurance covers individuals or families against loss, theft, death, and natural disasters. It protects people and possessions and can include home and car insurance, life insurance, health, disability insurance, or even earthquake or flood insurance.

While it may be tempting to think that something bad will never happen and that monthly premiums are a waste, nothing could be further from the truth. Millions of people are involved in auto accidents each year or are hurt on the job, through an accident, or due to circumstances outside of their control. Unless you're sitting on a pile of money, having personal insurance coverage protects you from financial hardship.

Personal insurance is a big umbrella, so let's look at several things that fall underneath.

• Auto Insurance protects you against financial loss if you're involved in an accident. You may be at fault for the occurrence, but with insurance, you have coverage to pay for damages instead of being personally liable for them. Auto insurance also covers both personal property and medical care for either you or the other driver. It sometimes pays for lost wages as a result of the accident or even funeral costs.
• Disability Insurance covers you if you become injured or ill and unable to work. It insures your earned income if a disability makes working impossible and can include paid medical leave and both short and long-term disability.
• Home Insurance covers damages to the property itself in case of disasters. It can include additional coverage for people living in geographical areas prone to earthquakes, flooding, or tropical storms.
• Health Insurance is often offered as a perk through the workplace, but for self-employed people or those at a small company that doesn't provide this benefit, health insurance can be purchased as an individual policy. Depending on the policy, it covers medical expenses, including doctor visits, medication, hospital stays, and different kinds of therapy.
• Life Insurance is a policy that pays a monetary benefit to a designated beneficiary, such as a family member or spouse, in the event of the policy holder's death. It's meant to provide income for the funeral expense and care for the needs of the family or spouse afterward.
• Long Term Care Insurance covers the cost of a nursing home or assisted living facility. It's intended to help offset the costs for professional care if individuals can no longer care for themselves or complete tasks of daily living.
• Wedding Insurance covers the investment made for the occasion in the event something goes wrong. It can pay for expenses incurred, including deposits, a dress, or the ring, and covers anything from natural disasters to a wardrobe malfunction.