Why Buy Discretionary Items When You Should Buy Insurance?

May 31, 2011 by Leave a comment

So why buy discretionary items such as books, jewelry, silverware, designer rugs or decorative art when you should buy insurance.  Let the priorities fall where they may, but one needs insurance before purchasing any discretionary products.  Being a new insurance agent,  I now understand why insurance is so important.  For those owning automobiles, having insurance provides the necessary support if involved in an accident.  For those owning a home, only the homeowner can attest to the importance of having insurance if there should be a fire.  For those owning a boat, a condo, a motorcycle or a farm, only they can attest to the importance of insurance coverage and protection.

So does a necklace or ring give us any protection if an unexpected event should occur?  Does a book give us the financial risk coverage if a fire should break out?  Does a painting on the wall support and pay for the wall of which it is hanging if a house is destroyed because of fire?  Only property and casualty insurance coverage protects one from those risks and unexpected events taking place on a daily basis.

So when you decide to purchase a product,  make sure you purchase insurance before you buy any discretionary items.  This way you will have your priorities in the right order.

Karen W. Schneider

Denvers Insurance

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Unknown's avatarAbout Mark Schneider
I am a certified firearms instructor and use-of-force expert with extensive real-world experience in firearms, security, and defensive tactics. Credentials & Experience: 20+ years of owning, collecting, and shooting firearms. 12+ years in the security industry, including physical security, executive protection, workplace violence prevention, loss prevention, CCTV operations, access control, incident management, and threat assessment. Denver Police Verified Concealed Handgun Permit (CHP) Instructor. Authorized Trainer for Denver Security Guard Training. NRA Certified Firearms Instructor – Pistol, Concealed Carry Weapon (CCW), Rifle, Shotgun, Inside the Home (ITH), Outside the Home (OTH), Range Training & Basic Verification (RTBV), Chief Range Safety Officer (CRSO). USCCA Certified Firearms Instructor – Concealed Carry & Home Defense Fundamentals (CCHDF). Force Science Institute Certified – Use-of-Force Analysis. De-escalation Certified Instructor. Massad Ayoob MAG-40 Graduate. Sig Sauer Academy Graduate – Pistol 103 & Pistol 104. Law of Self Defense – Instructor Program Graduate. Dave Grossman Academy – Completed The Bullet Proof Mind, On Combat, and On Killing courses. Axon Taser Certified Instructor. OC/Pepper Spray Certified Instructor. PPCT Defensive Tactics Certified Instructor. Glock Armorer. Novice Gunsmith. Licensed Insurance Producer. HAM Radio Operator. 8+ years as a teacher and instructor in firearms, self-defense, and related disciplines.

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