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Are You Fully Protected? Insurances You Need to Consider

Posted on January 17, 2020

You never think the worst can happen to you until it does. You believe you won’t get into a  car crash on the freeway, have a fire in your home, or get sick at the worst possible time. But the sad thing is that it can happen to you, you just don’t know when.

This is why insurance protection is so important. It is protection and coverage in case something goes horribly wrong. While it can’t stop something from happening, it can provide the resources to recover and get back to a normal life. Here’s some insurances and other protections to consider to be fully protected.

Additional Auto Insurance


car with the hood popped and a man trying to fix itIt’s a requirement to have enough auto insurance to cover another car in case of a wreck, but that’s just the minimum. It’s essential to have that much, but having more insurance means more protection for your car.

There are three types of auto insurance you should consider. The first is getting insurance that covers your car for damages. Did you know that you can get insurance that can protect your car from extreme weather or even cover your car if you are at fault for a crash? These types of insurance plans can even cover dents from hail damage or if your car gets flooded.

The second type of insurance is Mechanical Breakdown Protection that Pioneer offers to members. This covers you in the scenario that something in your car breaks down. Whether it’s your transmission, engine, shocks, or even your air conditioner, this insurance will cover the costs of getting it repaired. Especially if you don’t have the money to spend on a big expensive repair, this is one to consider.

The final insurance is in case your car is totaled, but you still have a car loan you need to pay off. Pioneer offers members Guaranteed Asset Protection. This insurance will pay the difference between your car insurance's payout and the balance owed on your auto loan, allowing you to pay off your car.

Pet Insurance


young girl holding a bunnyYou might have a clumsy dog, a cat that likes to pick fights, or just a really old gerbil, and taking them to the vet can get very expensive for serious illnesses or injuries. Emergency care or surgery on a pet can cost up to $1,000 per visit, so if your pet’s health is poor, taking care of them can get very expensive.

Pet insurance is a great way to protect your finances in case of a sick puppy. In most cases, pet insurance costs around $45 a month for dogs and $25 for cats for good coverage, much lower than the cost of an average operation.

Renter’s Insurance


Renting has some big disadvantages. Everybody has bad stories about frustrating landlords, apartments that are falling apart, frightening neighborhoods, and roommates that swipe your stuff when moving out. Everybody wants to find an ideal place where they feel completely safe, but that’s not always possible.

If you do rent, renter’s insurance is a must have. It protects your possessions in case something goes wrong. Whether your stuff gets flooded from a burst pipe, burned in a fire, stolen by a jealous roommate, renter's insurance can replace it for you.

Life Insurances


young family with a son and daughterWhether you would be leaving behind a family that needs your financial support or just want to make sure your loved ones can pay for your funeral, life insurance is something you should consider. That way, you don’t leave people in a very difficult situation if you pass away unexpectedly.

There is a variety of life insurances with different rates and pay-outs, so you should definitely shop around to find the right one for you. These can range from just paying out enough to cover funeral expenses for a tiny fee every year to million dollar pay-outs that can support your family for years to come.

If you are a member of Pioneer, we offer an Accidental Death and Dismemberment plan that can add extra protection in case of an accidental death or loss of limb. Pioneer members automatically qualify for a free $1,000 plan. No annual fees, just a free plan for extra protection in case something goes wrong. To get started with the plan, click the button below and fill out the form with your information.

 

 Open Your Accidental Death or Dismemberment Plan!

Member Benefits
Accidental Death and Dismemberment Guaranteed Asset Protection
Life Insurance Mechanical Breakdown Protection

 

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