What kinds of insurance do you have?

**Telephus44** · 02-04-2007, 09:03 PM

Just wondering.

We have:

Health Insurance
Dental Insurance
an "Accident" insurance policy from Aflac
a life insurance policy for me ($30,000)
a life insurance policy for DS ($20,000)
car insurance
renter's insurance

I was thinking about this lately because I've been going through our bills and it seems crazy on how many types of insurance we're offered - insurance on our cell phones in case they break, pre-paid legal insurance, vision insurance, insurance on almost every appliance and electronic device - I'm not saying that they're all useless, just that it seems like there are a ton of "insurance" plans everywhere!

**Emerald_Mommy** · 02-04-2007, 09:12 PM

We have:

Life insurance on Philip ($200,000)
Life insurance on me ($100,000)
Health Insurance which includes an HSA (all paid for by us, not an employer)
Car insurance
Homeowners' Insurance

We want to get Disability for Philip, like Dave Ramsey recommends, but we can't really afford it right now. Same thing for identity insurance. We'd like to eventually add both of those. As for other types of insurance we're the people who NEVER even get extended warranties so I doubt we're going to be getting any kind of "consumer" insurance things (like cell phones or the other things you mentioned).

**Mom23boys** · 02-04-2007, 09:13 PM

We have:

Health Insurance, which includes a prescription plan
Dental Insurance
Disablity insurance
a life insurance policy for me
a life insurance policy for DH
life insurance policies on the three boys
car insurance
Vision insurance

**Amanda W** · 02-04-2007, 09:55 PM

We have:

Health
Dental
Auto
Homeowner's
Life Insurance for me ($160,000) and DH (360,000)

I'd also like to get disability when we finish our snowball and full EF. We'll buy more life insurance sometime before we have children.

**nwmissourigal** · 02-04-2007, 11:04 PM

We have:

Health insurance with includes pharmacy benefits
Dental insurance.
AARP as a secondary insurance to our primary policy
Afflac...short term disablity
Life insurance on hubby and my self
Car and truck insurance
Semi Truck insurance (which is a real dent in the ole budget)
House insurance with extra contents insurance
Gosh we had alot of insurance...but unfortuanelty it is a necessary evil..

**Laurie in Bradenton** · 02-05-2007, 07:10 AM

We have

Homeowners which has gone from $800 a year in 2000 to $3200. this year
Life Insurance on Rog $250,000
Life Insurance on me $100,000
Life insurance on both the kids $50,000
General Libility on our business
Full Business coverage on both our trucks because of our buisness
Equipment Coverage on our business equipment(have something stolen off a jobsite and your shut down so you've got to have a means to get back up and running. Construction theft is terrible here!

LAurie in BRadenton

**nodmicks** · 02-05-2007, 07:52 AM

Health
dental
life for dh
life for me
diability for dh
home owner
car ins

**Neeley** · 02-05-2007, 08:25 AM

Insurance Policies:
Health includes vision, pharmacy, and dental and we participate in FSA (Flex Spending Account)in the amount of $5000 per year. The health insurance is more important than anything else.

Full coverage on both vehicles.

Life insurance

Cancer policy

Homeowner's insurance

Disability insurance

Extended Warranties
Dmil gifts us our cell phones and coverage - she carries the insurance on them. It is a good thing, we have to get replacements about every 4-6 months because they end up in a dog's mouth or the washer.

We also have an extended warranty on our Durango. It's a good thing as well since a Durango is the biggest piece of cr** vehicle ever made. Will never get another Durango again - but that is a whole other thread. We have more than gotten our money's worth out of that warranty.

We do a warranty on our house in addition to the insurance and we include the pool in it.

I get replacement warranties/policies on all of the kid's video games - only $2 a game and has been a lifesaver for them and me.

**sunshine** · 02-05-2007, 08:54 AM

We have:

health insurance
dental insurance
life insurance on me $200,000 , dh $100,00, kids $5000 each (enough to pay for a simple funeral)
home owners insurance
liability insurance on all the vehicles
liability insurance on our properties we own ( farm, rental house, etc.)
malpractice insurance

**banana** · 02-05-2007, 09:02 AM

We have health insurance
Homeowner's insurance
car insurance
umbrella insurance (on car and house)
Life insurance me 150,000
life insurance dh around 250,000

**YankeeMom** · 02-05-2007, 09:28 AM

We have:
Home insurance
Personal property insurance (attached to home insurance)
car insurance
life insurance for me
life insurance for dh
life insurance for all 4 kids
health insurance
dental insurance

**seadream** · 02-05-2007, 10:54 AM

We have:

Health Insurance
Dental Insurance
Vision Insurance....all 3 of these are paid for by dh employer
Life Insurance for both of us $200,000 on each
Car Insurance for both cars
Motorcycle Insurance
Home owners Insurance

Also have Life Insurance on dh that his employer pays for .... $10,000

**acidcookie** · 02-05-2007, 12:35 PM

Health, dental, and vision insurance through my graduate assistantship
Dirt cheap renter's insurance for my stuff
No car, so no car insurance
No life insurance

**Marie78** · 02-05-2007, 04:02 PM

Health Insurance (paying for it on my own, it's not through a job)
Car Insurance
Renters Insurance

**Ani** · 02-08-2007, 11:48 AM

We have...

* Health Insurance (including prescription and vision)
* Dental Insurance
* Life Insurance (each of us covered $400,000)
* Pre-paid Legal Insurance (includes Identity Theft)
* Comprehensive Car Insurance on two cars (plus we paid additional at the time we purchased mother-in-law's car to have sort of a loan insurance that will pay off the entire loan in the event that the car is totaled, as most insurance companies pay far less than the remaining loan amount when a car is totaled, plus with her driving record...we decided it was a prudent investment for $400

)
* Home Owner's Insurance
* Life Insurance on mother-in-law (a small policy that all of the kids pay into so that we're not suddenly out of pocket funeral expenses like we were with father-in-law)
* Disability Insurance (through work...may look into upping this policy at some point)

We never do the extended warranties or anything like that. We don't have too much use for or interest in them. We're pretty gentle with things. Maybe once we have a kid our views will change. He may very well be a holy terror.