Home Owners

HOW MUCH INSURANCE DO I NEED?

Each person's situation is unique, so there is not a one size fits all for choosing how much insurance you need.  But there are a few factors we take into consideration when deciding what's perfect for each of our clients.

One way used to determine how much coverage to apply for is to multiply your current income by 10.


Another way we use is to add these together:

  • your current debt, including final expenses

  • your current income multiplied by the total number of years you expect to be supporting your family

  • your mortgage

  • and an estimated cost of sending your kids to college.