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Content: 1) Your Ability to Work
If you become ill, and are unable to work, having disability insurance will allow you to cover your lost income while you recover or look for alternative employment. How would you support yourself if you were suddenly unable to work? Such a policy will pay you up to a certain limit so that you still have some funds coming in. Providing that you have set your coverage limit high enough, you will then be able to continue receiving that income until you are able to get back to work. For those who have a home mortgage to pay, have children to support or are the only source of income for their family, having disability insurance can prove to be a real life saver and something that you will be glad you had the foresight to take out. 2) Your Home
If your house burns down in a fire or is destroyed in a natural disaster, then being insured will allow you to rebuild your home and recover your life without taking too much of a financial hit. Your home is likely to be the single largest expenditure in your life, and therefore, is something that you should adequately protect. A standard home insurance policy will cover you against a set number of risks which are common to all homeowners. In most cases, the coverage provided under a standard homeowners policy will provide adequate coverage for most people. However, certain people, such as those living in areas which experience very cold weather in the winter or are at risk from flooding, face extra risks that they should either extend their existing policy to cover them for or take out an additional policy to provide them with the level of coverage that they need.