Having the right kind of insurance requires some personal planning and looking at what kinds of insurance needs you have. No two policies are the same. And no two policies have the same kinds of liability exposure. So how do you make sure you are properly covered? And what kinds of policy do you really need? Well first things first. Even before you call your insurance agent it’s important to be prepared by knowing your own exposures. Do you live in an area with fire danger? Or in a flood zone? Do you have children that will soon be turning 16 and of driving age? What about your rental property or vacation home? Finding the right kind of policy isn’t easy. Insurance agents have experience finding the right kind of coverage for you with access to brush mapping and flood zones, or driving records and available discounts. They can rate your new driver before they turn of driving age so that you can prepare for that increase in rate. And maybe you will need an Umbrella policy to increase your liability coverage to go over an above both your home, autos, and additional properties. Your occupation may qualify for a rate reduction. Or packaging your policies can get you multi-policy discount. Insurance agents deal with these questions daily, and they can find the right solutions for you.