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People deep in thought

How Much Coverage Do I *Actually* Need?

The Honest Answer: It Depends

If we had a crystal ball that could show us the future, we would know exactly how much insurance coverage we would need.

The right coverage for the future

Since this isn't the case, there is no way for sure of knowing the precise amount of insurance that would protect us when the sudden, accidental, and unexpected happens.

Our job as insurance agents is to help you figure out what type of protection best fits your needs and what amount of insurance you are comfortable with.

As long as you can sleep peacefully at night with a clear understanding of how your insurance would react if the worst were to happen, then so can we.

So since "perfect" insurance protection doesn't exist, how do I know what the "right" amount is for me?

I'm glad you asked! Read on to find out...

Cast A
Wide Net

Insurance coverage net

How does a fisherman increase his chances of catching more fish?

Answer: He casts a wide net.

Does this mean he will catch all of the fish in the pond?

No, but he will probably catch much more fish with a net compared to a single fishing line. 

Cast a wide coverage net

In the same way, the best approach to insurance coverage is to cast as wide of a protection "net" as possible.

Since not every type of tragedy is covered by insurance, having a broad range (but not Broad Form BIG difference!) of protection helps ensure that you will have the protection that you need when the least expected happens.

What do I need to take into consideration when deciding on the right insurance option for me?

Well, there are obvious things to consider, like your home, your car, or even your dog. 

Consider the amount of insurance you need

But what about your future wages? A lawsuit against you that results in withholding money from your paycheck (wage garnishment) can be crippling.

This particular lawsuit example relates to Liability Coverage.

Click the button below to download a FREE worksheet that will help you consider the right amount of Liability Coverage for your individual situation.

If you have any questions, contact us!

Gauging the
Best Option

Insurance knowledge gauge

Whether you are an insurance expert or the only thing you really know about insurance is how to spell it, we're here for you!

Insurance consultation

In a digital age of do-it-yourself options, anyone can go online and buy an insurance policy.

While it may be convenient, how do you know what coverage you are actually getting?

Who will be there for you when the worst happens?

And will the coverage that you choose actually supply the protection that you need?

At Judkins Insurance, we want to share our knowledge with you and make sure you know exactly what you are signing up for.

We can provide a consultation that is as in-depth as you would like it to be. 

We ask questions to ensure that your protection plan accurately reflects your lifestyle now, and we routinely check-in to make sure that your protection stays up-to-date with any life changes.

You can rest assured that we will work together to create the protection plan that is right for you!

Are you ready for a better insurance experience?

Contact us today for a consultation.

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