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What Is Insurance? There are many types of insurance policies for you and your family. Insurance policies can pay for needed care, and special insurance policies can pay the expenses incurred after a tragic event. You should understand the different parts of an insurance policy, how they are used and how you can benefit from each…

#1: How Much Do You Pay?

Usually, you will make monthly premium payments for your insurance policy, and the premium payments keep your policy in good standing with your provider. The payments are used by the insurance company to cover costs involved with every policy they hold, and the accumulated payments for a policy are used to make payments from your policy in the future.

Every policy is priced differently, and you must ask an insurance agent how much your policy will cost. Your agent may help you save money by offering a special policy that is priced differently for you, or you may receive discounts for having multiple policies with the same company, sometimes referred to as bundling.

#2: What Is A Deductible?

The deductible on your policy is the amount of money you are required to pay out of your own pocket before the insurance policy kicks in fully. For more information check out our page for attorneys professional liability insurance here. The deductible must be paid when services are rendered, and the deductible may be subtracted from a payment you receive from the insurance company. Any payout that is larger than your deductible will generally see the deductible subtracted.

The deductible changes based on the premiums you pay for the policy. The insured are more than welcome to pay higher premiums to reduce their deductibles, but other customers prefer to pay higher premiums to avoid deductibles in the future. Please consult an insurance agent to learn more.

#3: How Long Do Insurance Policies Last?

Insurance policies are generally paid for a period of 6 to 12 months. You must renew your policy when your policy term ends, and most policies will renew automatically with an automatic payment from your bank account. The end of your policy period is a chance for you to find a new insurance company, or you may change the terms of your policy to help get better coverage in the future.

Many people need help finding adequate coverage for their home, vehicles, food trucks, lives and health. Learn more by contacting us above.

Please note- this article is for informational purposes only, and is not to be seen as insurance advice. Please consult with an insurance professional, such as Balsiger Insurance,  for specific and up to date information.