3 Reasons to Get Homeowners Insurance
You hear people talk all the time about health, dental, and auto insurance, but there’s another type of insurance that is incredibly important for anyone who owns a home. Homeowners insurance protects you, your family, and your possessions in case something happens to or in your home. The Insurance Information Institute reported that 1 in 20 insured homes has a claim each year. These claims can be anything from water or weather damage to theft. While many home loan lenders and financiers will require homes to be insured, not all do. People who own their homes outright are not required to have homeowners insurance at all.
If you’re wondering if you need homeowners insurance, here are
Protects You From Liability Claims Nowadays, we can order just about anything online, but what happens if the delivery driver gets injured on your property? If you don’t have homeowners insurance, they could sue you for a hefty sum of money. Homeowners insurance will help pay for medical fees, legal fees, and even lost wages to the injured person depending on the severity of the injury. Protects Your Possessions Homeowners insurance doesn’t just protect the exterior of your home — it also covers everything within. A good policy will cover your personal belongings if they are damaged in a disaster, stolen, or vandalized. It is helpful to keep a running list of your valuables so you can get accurately reimbursed if something does happen.
three reasons why having it is a smart decision. Protects You From Property Damage Our homes are arguably the biggest purchase and investment that we make
in our lives, so wouldn’t you want to do everything in your power to make sure it stays protected? Homeowners insurance protects you from disasters like storms, fire, and even vandalism. If a storm makes your house uninhabitable, your insurance policy may help pay for temporary housing and sometimes living expenses. If you don’t have homeowners insurance and your house is destroyed or damaged, you will have to cover the costs out of pocket.
Don’t Spend Another Year Lonely! 5 Ways to Make New Friends in Retirement
Friendship just might be the fourth secret to longevity, right behind eating well, exercising, and getting plenty of sleep. According to the Mayo Clinic, making friends can reduce stress, improve your self-confidence, and give you purpose in life! People with good friends are also more likely to exercise and less likely to drink to excess. But making friends is tough, especially in your golden years. To finally kick loneliness to the curb in 2022, try these five tips. 1. Get a dog. Adopting a
obedience classes. If nothing else, you’ll have your dogs in common! 2. Join a hobby group. The easiest way to find friends with similar interests is to pursue those interests. If you like to quilt, join a quilting group, and if you kayak, look for an outdoors club near you. Facebook is a great resource for finding online hobby groups, too! Just type your interest into the search bar and select “Groups” on the left-hand side of the screen. 3.Volunteer . Volunteering has similar
to find opportunities in your area sorted by organization type. 4. Move to a 55-plus community. Also called retirement communities or active adult communities, these neighborhoods are known for their low-maintenance housing, amenities, and group activity options — and they’re all over the U.S. If you want to find friends in your age group to swim and play tennis with, a local real estate agent can help you find them. 5. Become a mentor. Mentorship is a valuable way to form friendships across generations. You can sign up for an existing program in the field you retired from or reach out to a local college or high school career center and offer your services. They’ll likely have graduates who’d love to meet you!
dog (assuming you truly want one) will incentivize you to leave the house for walks, vet visits, and more. You’ll likely attract new friends in the neighborhood when they
benefits to joining a hobby group with the added benefit of giving back to the community! There’s likely a cause
for whatever you’re interested in, whether that’s food, animals, or sports. Visit VolunteerMatch.org
stop to pet your pup, and you can also meet people at the dog park or
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