If you are one of the many people in Washington State who is evaluating your insurance coverages, you should make sure to include a review of any long-term disability policy with that. Some employers offer long-term disability coverage as part of their benefits packages but they might only offer limited amounts. Other employers may only offer short-term disability coverage options. You could consider purchasing a private policy but should pay attention to the terms as each policy could be different.
Car insurance is necessary for drivers in Washington, as well as 47 other states. There are jurisdiction-specific requirements that dictate the minimum amount of coverage you must obtain.
In most areas of the country, having at least basic insurance coverage on a car that you drive is a requirement for taking it out on the roadway. However, this is not always the case. Auto insurance laws vary by state, and while most mandate coverage, a couple of jurisdictions make it optional.
You may think that home insurance is like auto insurance in that the law requires you to have it if you own a home. Though the confusion is understandable, this is actually not the case at all. If you are able to purchase your home outright without taking out a loan, there is no requirement for you to have insurance on your property.