Protect Your Life, Hire an Insurance Agent
But, don't hastily purchase the first policy you see out of fear. Research the local insurance agents in your area and meet with them to discuss your specific policy needs. There may be things you never considered insuring, because you didn't know that you could. This is why meeting with a professional is the best step you can take for protecting your future. In addition to meeting with a professional sales policy person, you should also appraise the valuables that you think you want covered under your policy.
If you can give your agent an accurate estimate of what your things are worth, you can better formulate your policy. This can also save you some stress later on if something happens and your policy must go into effect. In this event, having already calculated the cost of your valuables will give you specific up-front appraisals. Getting accurate value estimates after something has been stolen or damaged, hardly ever works out in your favor.
If you are an elite athlete, you should also consider taking out a policy on your health or future playing capabilities. Let's say you are a star collegiate running back with a great chance to play professional ball, but in your final amateur season you sustain an injury. Even if the injury isn't career-ending, it may hurt your stock moving forward and you could lose significant amounts of money in potential contracts. In these cases, having a policy on your body is a great investment.
Insurance agents will be there to help you understand everything that you can and cannot insure, but these days you can pretty much get a policy on anything an insurance company or private agent is willing to take a risk on. Seriously, go and consult a professional before you wish you had.
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