Home Insurance
Protects the building, what is inside it and your liability if a guest gets hurt.
Coverage
Six kinds of cover, when each one matters, and what to ask before you choose.
What I do
Pick the policy on your mind
Each one answers a different question. Choose a policy below to open it in the guide further down.
Auto Insurance
Pays for damage and injuries after a crash, along with theft, weather and glass.
Health Insurance
Shares the cost of doctor visits, prescriptions, hospital stays and preventive care.
Life Insurance
Leaves money for the people you name if you are no longer here to provide.
Business Insurance
Stands between your company and the cost of claims, damage and lost income.
Travel Insurance
Refunds prepaid costs and handles medical care when a trip goes wrong.
Policy by policy
Open one and see when it matters
Choose a policy to read what it is for, the moments that should send you back to it, and a question to bring along.
Home Insurance
Home insurance is there for the day something damages the place you live or the things inside it. It also steps in when a visitor is hurt and holds you responsible.
Worth asking: Would my payout cover rebuilding at today's prices?
Good times to review it
- After a renovation or a new roof
- When you buy furniture, jewelry or electronics of real value
- If you start renting out a room
Auto Insurance
Auto insurance answers first for the harm a crash does to other people, then for your own car if you add that cover. The limits you choose matter more than the price tag.
Worth asking: Are my liability limits high enough to protect my savings?
Good times to review it
- When a new driver joins the household
- After you pay off or replace a vehicle
- If your daily commute changes a lot
Health Insurance
Health insurance splits medical bills between you and the plan. The way that split works, through deductibles, copays and networks, decides what a hard year costs.
Worth asking: What is the most I could pay out of pocket in a bad year?
Good times to review it
- During open enrollment each year
- When you leave or start a job
- After a marriage, a birth or a move to another state
Life Insurance
Life insurance pays a sum to the people you name. It is meant to replace your income and clear the debts you would otherwise leave behind.
Worth asking: How long would my family need my income replaced?
Good times to review it
- When someone starts to depend on your income
- After taking on a mortgage
- When a term policy is close to ending
Business Insurance
Business insurance keeps a single claim from draining the company. It can answer for injuries, damaged property and the income lost while you are shut.
Worth asking: Which contract or lease asks me for proof of cover?
Good times to review it
- Before signing a lease or a client contract
- When you hire your first employee
- After buying costly equipment or stock
Travel Insurance
Travel insurance refunds what you prepaid if a covered event cancels the trip, and it pays for emergency care far from home.
Worth asking: Does this plan include medical evacuation where I am going?
Good times to review it
- Right after booking flights or a cruise
- Before a trip outside the country
- When the trip costs more than you could afford to lose
Not sure where to begin
Tell me which policy to open first
Set up your MagenPrime account, choose home, auto, health, life, business or travel, and I will take it from there with you.
Before you decide
What I check on every policy
Whichever cover you are looking at, I run through the same short list with you so the choice rests on facts.
- Whether two of your policies overlap and pay for the same loss
- Whether the deductible is one you could comfortably afford
- Whether the limits still match what you own and earn today
- Whether a recent life change means the policy needs an update