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The Importance of Insurance

We go through life never really expecting anything serious to happen to us; until it does. We hear about stories of people being in accidents, losing their limbs or becoming paralyzed; houses burn down and families not having anything left afterwards; people dying of unsuspected circumstances and then leaving young children behind to fend for themselves. But we never really think that it can happen to us. Well, truth is, it can happen to anyone, at any time. It can happen in 10 minutes, 10 seconds, 10 months or 10 years. But there is always a chance that it can and may happen to you.

This is exactly why most of us have insurance cover on our lives, homes, businesses, vehicles, health and even the lives of our pets - to cover us or protect us in the event that something awful might happen to any of our assets, important possessions or our families. To tell the truth, insurance is one of the best things since sliced bread.

We use our vehicles daily: we drive to work; we drive to the shops; we drive to fetch the kids; we drive to the gym; we drive EVERYWHERE Driving this much has its downsides: we spend way too much time in our cars, away from home and away from our families, and we spend way too much money on things like fuel, repairs, maintenances, upgrades and insurance. Insurance cover, however, is different compared to paying for all the other expenses as it actually is necessary and will protect you in the event of a serious accident or a slight bump. Driving without insurance really is not an option anymore. The state of South African roads is just too bad.

Like vehicle insurance, the next important insurance cover to have is home or house insurance. Not only does it protect you in case of natural disasters such as rainstorms, tornadoes, hurricanes and fires, it also protects everything inside of your home, known as home content insurance. Our homes are probably our biggest and most important assets of all, and not having it insured is playing with fire. Should something happen, your family will at least have somewhere to go in the meantime while your home is being repaired. Not having home insurance is just too much of a risk.

Life insurance, last but not least, is also one of the most important kinds of insurance cover you must have. Yes, material things being used every day, like homes and cars, are important, but they are not more important than your life. If you were to be taken out of the equation, yes, your family would have cars and houses and belongings, but they would not have you. And, imagine if something were to happen to you without you being covered; they would be left with the heartache of you being gone, and the worry and stress of not knowing what to do, where to get money from and how to carry on paying bills and bonds. When you have life insurance, you provide a safe haven for your family for if or when you are taken away and can no longer support them.

Even though insurance cover may sometimes be a hassle to pay, it really is necessary.