Foley, Alabama
222 W Laurel Ave
Foley, AL 36535
(251) 943-2281

5 Different Types of Personal Insurance January 15, 2020

Foley, Baldwin
5 Different Types of Personal Insurance , Foley, Alabama

Insurance exists to provide financial help when you need it. While many policies offer broad coverage, personal insurance provides a safety net for you and your loved ones by protecting your home and your health. As you age, the right insurance policy will also help pay for your care and final expenses.

What Are Some Beneficial Personal Insurance Policies?

1. Home Insurance

Tornadoes, hurricanes, and floods can cause damage to your home. Alabama is prone to these natural disasters, so your home insurance will likely already include this coverage. If your property is damaged during a storm, you’ll receive compensation to make necessary repairs.

2. Health Insurance

personal insuranceYou may receive health insurance directly from a provider or through an employer. Depending on your personal insurance health plan, your medical expenses and treatments will be paid for partially or completely.

3. Disability Insurance

If you’re unable to work due to injury or illness, disability insurance replaces a percentage of your lost income. Even if you’re out of work for an extended period of time, you will maintain your economic status and provide for your family.

4. Long-Term Care Insurance

This personal insurance policy is related to disability insurance but covers a broader scope. Not all care is covered by your Medicare, Medicaid, or your health insurance. That’s where this personal insurance can benefit you and your family.

Some illnesses make it difficult for those to care for themselves. They may be unable to groom, eat, bathe, or walk without assistance. 

Your plan will pay for some or all of the care you’ll need, whether it’s at home or at a recovery facility.

5. Life Insurance

Your immediate family or named beneficiaries will receive a non-taxed sum of money after your passing. The payment will be received all at once or in several payments in the form of an annuity.

It can be used to pay off debts, funeral expenses, or be used an an inheritance. If you have a large life insurance plan, the policy can even help your loved ones maintain the economic lifestyle they’re accustomed to.



When you need to expand your personal insurance, reach out to Ebert Agency, Inc. Since 1928, they’ve offered coverage to individuals and businesses alike. They’ll work with you to personalize your insurance so that you only receive the coverage you need. From umbrella policies to accident policies, they offer comprehensive coverage at affordable rates from top providers. To make an appointment with a knowledgeable representative, call their Foley, AL, office at (251) 943-2281. To learn more about their way array of coverage policies, visit their website.

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