“It can’t happen to me.”
Fatal words and one of the most devastating, expensive mindsets you can have. Everyone carries risk, and loss can happen at anytime (yes, even to you). Don’t believe us? Just look at the devastating fire that ravaged Notre-Dame only a few months ago. If disaster can strike an iconic historic cathedral, one with redundant safety and protection systems established by one of the most powerful nations in Europe, it can strike anywhere.
(You can read about the Notre-Dame fire here)
You may not be able to prevent loss from happening, but you can prepare for it and mitigate the effect it will have on you financially. Transferring financial risk to an Insurance Provider (or in some cases multiple Insurance Providers) for affordable premiums and adequate coverage may sound boring, but the peace of mind it buys will help you enjoy what you have without worrying about losing (and replacing) it to an unexpected loss.
What to Protect:
Most people have so many more assets than they realize. Your possessions, your health, your family, your ability to work, your liability if you make a mistake professionally or a salesman slips and falls on your snowy steps; these are just some of the assets you should take into consideration when determining your needs.