There is so many insurance Policies that I am wondering how many types of insurance I need to protect me.
Mortgage insurance: if a spouse dies? then this insurance protects you by paying the mortgage bills.
Home owners insurance: protects you if your house burns down/ weather damages/ things get stolen.
Umbrella insurance: protects your wealth if someone tries to sue you for injury or whatever.
Homestead act: protects you up to $ x amt of dollars in case someone tries to claim your home.
Title insurance: proves that you own the home clear of odd issues.
Life insurance: due to spouse?s death it helps pay the bills and to get by.
I have no kids right now. Is it important to have mortgage? umbrella? and life insurance? I don?t have these now . We just bought a house. Please send your opinions. Thank you.
Source: http://www.xmastips.com/home-insurance/mortgage-insurance-recommended/
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