| As the legal and financial aspects of our society | | | | Required or not, health insurance offers assurances |
| continue to develop and evolve, insurance commands | | | | that if a need arises, resources will be available to |
| an increasingly compelling role in the economic | | | | meet any medical costs incurred, and necessary |
| security of our daily lives. The idea of guarding | | | | treatment will in fact be rendered. |
| against loss through an established financial pool has | | | | These types of coverages are all basic to everyday |
| been around for a long time. Historical evidence | | | | life in the United States. Another essential area, and |
| suggests that marine insurance was in existence in | | | | one of the first areas to be afforded coverage back |
| Rome as early as 300 B.C. Various types of insurance | | | | in 1735, is homeowners insurance. Expanded from fire |
| were available throughout Europe from the twelfth | | | | to include almost every conceivable type of loss, |
| up through the eighteenth century when the first fire | | | | homeowner insurance is one of the most essential |
| insurance company was founded in the United States. | | | | types of coverage available to Americans today |
| The Friendly Society for the Mutual Insurance of | | | | because it affects their most intrinsic possession, |
| Houses Against Fire was founded in Charleston, | | | | their home. |
| South Carolina in 1735. Since then, insurance has | | | | Attacks against our primary dwellings, our greatest |
| progressed from an arbitrary option to lower | | | | financial investments, where our families live and |
| exposure to risk to its present day role. Now it is | | | | grow, where we spend the bulk of our lives are |
| essential in order to compete in the business world, | | | | particularly disturbing. Homeowners insurance is |
| maintain peace of mind in personal matters, and | | | | absolutely essential to protect against loss, losses so |
| comply with state and federal law. | | | | severe that available financial resources are unable to |
| In the United States, anyone who owns and | | | | restore. |
| operates a motor vehicle must have automobile | | | | Many parts of the United States take on an |
| insurance with levels of coverage that are set by law. | | | | unwelcome notoriety because of the natural disasters |
| Every responsible American feels compelled to carry | | | | they face. Florida and New Orleans, however, are not |
| enough additional coverage to indemnify against a | | | | the only places in our great land that are regularly |
| potential loss not only to property, but most | | | | flooded. |
| importantly, to ensure proper medical care in the | | | | Every area has the potential to experience floods |
| event that bodily harm is suffered. The same can be | | | | under the right conditions. Regardless of whether you |
| said of most responsible adults when it comes to life | | | | are a homeowner or a renter, live in an apartment, a |
| insurance. No spouse or parent wants to leave his or | | | | condominium, or a villa, homeowner insurance can |
| her family to suffer financially in the wake of an | | | | cover you for a loss of any kind. The simple, |
| unexpected accident or death. | | | | proactive measure of taking out a good insurance |
| The future of health insurance is currently under | | | | policy can give you peace of mind in the face of a |
| scrutiny and perhaps it too will be added to the list of | | | | disaster and help you start again. |
| legally required coverages. | | | | |