Cars are large and powerful, and driving has risks. So some degree of auto insurance coverage is legally required. In most states, at least, basic liability insurance is required. If you drive without insurance, you can face expensive fines or have your license revoked even if you drive very well and don't have an accident. If you are involved in an accident, auto insurance can save you thousands in repair or replacement costs for your car and potentially another car or property. It's even more expensive to address human repairs. Medical costs from accidents can reach major sums. Many auto insurance policies include options for medical. Auto insurance is just a required aspect of owning a car. It's legally required and it provides financial and physical security when you drive.

Don't wait for a hundred year storm to learn about flood insurance. Here are some key facts. One, there's generally a 30 day delay before new flood insurance coverage is in force two. It's not just riverfront homes, one in five flood insurance claims are made from low risk areas. Three. Standard homeowners insurance will not cover floods. Fortunately there are solutions. Flood insurance is quite affordable. The Federal Emergency Management Agency says that annual flood insurance premiums can be as low as $112. You can purchase flood insurance from any insurance company that participates in the National Flood Insurance Program. You can supplement N F I P coverage with private insurance for additional coverage. Not having flood insurance is costly. Damage from that rising water could cost you thousands, even an additional loan on top of an existing mortgage. Visit flood smart.gov and talk to your agent to understand your options.