Personal Insurance

Personal Insurance-Pinnaclemultiservices.com

Travel Insurance:

Travel insurance policies mostly cover the loss and expenditure relevant to travelling. It is very useful for regular travellers, who travel a lot and are continuously on the go. There are two types of travel insurance policies mainly: Single trip and Annual trip.

The travel insurance policies provide a variety of insurance coverage for their policyholders, such as:

• Baggage and Coverage for personal effect:

This policy provides coverage for damaged, lost or stolen baggage during the trip. Many of the carriers reimburse their travelling clients if their baggage is destroyed or lost.

• Medical Coverage (Short-term):

This policy provides medical coverage ranging from five days to one year.

• Major Medical Coverage:

This medical policy provides medical coverage ranging from six months to one year or even longer.

• Interruption coverage or trip cancelation.

Health Insurance:

Health insurance covers your medical bills in case of emergencies such as an accident or a natural disaster.

Life insurance:

With life insurance in your name, the beneficiaries mentioned in the policy get a lump sum in case you pass away. The two most common types of life insurance are

  • Term life insurance
  • Whole life insurance

 

Auto insurance:

In Texas, it is required by law that every vehicle owner has an auto insurance policy to provide coverage for events like accidents which might result in physical injury and damage to the vehicle as well. Auto insurance policies generally provide coverage for damage to your vehicle, the medical coast in case of injury and compensation for pain as well. At Pinnaclemultiservices.com you get to choose from a variety of auto insurance coverage, some of these are

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Medical Payment Coverage
  • Uninsured/Underinsured motorist coverage

Pinnaclemultiservices.com allows you to compare insurance policies and select the one that is best suited to meet your individual insurance needs.

Personal insurance is an umbrella term; it covers a variety of insurance coverage.  Personal insurance covers your financial losses which might not be otherwise affordable. At pinnaclemultiservices.com you have the liberty to browse through a wide variety of available personal insurance options.

Is Personal Insurance Compulsory:

Personal insurance is not compulsory, but it is always a good idea to be insured. Certain insurance policies like Auto insurance are compulsory in some states such as Texas.  Other insurance policies might not be compulsory but its best to stay on the safe side and get yourself insured along with your assets. Additionally, if you plan on taking a loan from a bank then insurance is a compulsory requirement of the bank.

Types of Personal Insurance:

The main purpose of personal insurance is to provide the client with peace of mind. Shuffle through our list of personal insurance policies listed in order help our clients decide the most suitable insurance policies for them.

Home insurance:

Home insurance provides coverage to your property and the structure or building on it. This includes your residence and detached structures a well such as a garage, tool shed or gazebo etc. House insurance not only covers the home structure but it will also provide coverage to your personal belongings and provide liability protection. Additional living expenses are also included in home insurance. There are, however, limitations on the amount of coverage offered by different home insurance policies. 

Life term insurance provides insurance coverage for a specific period of time which you choose, whereas whole life insurance gives insurance coverage for the whole life. In order to choose the right life insurance policy, it’s important that you consider your future expenses and financial commitments. The primary purpose of life insurance policies is to give coverage in case you die. The lump sum benefit it provides to the beneficiaries can be used to

  • Cover funeral cost
  • Pay debts and mortgage left behind
  • Pay for extra expenses that might be required by the family.
  • Provide an income in case the spouse decides not to work anymore.

 

Insurance on Critical illness:

Insurance on critical illness gives the owner a lump sum in case they suffer from a serious illness or an injury as stated in the policy. This policy covers up to almost forty types of different medical conditions. It’s important to check with your insurance provider about what might be included in the policy.

Disability Insurance:

This policy gives a lump sum coverage to you in case of a disability, or if you are not able to work due to an illness. Disability insurance can be used to

 

Renters insurance:

Renters insurance provides coverage for the liabilities and belongings of the policyholder including the expenses for living in case of an event which might require the policyholder to shift for the time being. Like a homeowners insurance policy, the renter’s policy also provides liability protection and coverage for personal belongings and assets for the tenant. 

Free Personal Insurance Quote

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