You know, we often hear those sad stories: a family loses everything in a house fire, and they didn’t have fire insurance. It’s easy to think, “That could never happen to me,” but the truth is, disasters don’t pick favorites. Insurance isn’t about expecting the worst — it’s a smart, affordable way to protect yourself from financial ruin when life throws curveballs.
But getting insurance isn’t always guaranteed. Just like you couldn’t buy fire coverage if your house were already burning, some insurance policies are harder to get after something has happened.