Intentional Insurance: 10 Essential Policies You Should Consider

Intentional Insurance: 10 Essential Policies You Should Consider

Navigating the world of insurance can often seem like a daunting task, with a myriad of options and policies to choose from. Whether you’re just starting out or looking to update your coverage, understanding the essentials when it comes to insurance is key to ensuring you and your loved ones are protected. From safeguarding your health to protecting your home and even your pets, let’s dive into the top 10 essential insurance policies you should consider. 

1. Health Insurance

Embarking on the journey to select the right health insurance can feel overwhelming, yet it’s undeniably one of the most critical decisions you’ll make. In today’s ever-evolving healthcare landscape, securing a health insurance policy that not only fits your budget but also provides comprehensive coverage is paramount. From routine preventative measures to unexpected medical emergencies, a well-chosen health insurance plan acts as your financial safeguard, ensuring that both minor and significant health concerns are addressed without placing undue stress on your finances. It’s about finding that sweet spot where affordability meets necessity, enabling you to navigate your healthcare journey with confidence and peace of mind. Remember, investing in health insurance is not just a financial decision; it’s a commitment to maintaining your well-being and securing your future against unforeseeable health challenges.

2. Life Insurance

Life insurance is like a promise to your loved ones that you’ve got their back, even when you’re no longer around. It’s about offering them a financial cushion, easing the burden of expenses like funeral costs, settling debts, and ensuring they have the means to maintain their lifestyle. Choosing between term life and whole life insurance is akin to selecting the path that best aligns with your journey – whether you’re looking for coverage for a set period or seeking something that accumulates cash value over time. It’s about assessing your unique situation, from your family structure to your financial goals, and deciding how you can best contribute to your family’s security and future prosperity. Life insurance isn’t just a policy; it’s a thoughtful decision to protect and provide for those you care about the most.

3. Homeowners Insurance

Owning a home is more than just a significant investment; it’s the centerpiece of your family’s life and memories. Homeowners insurance steps in as your financial guardian, ensuring that both the structure of your home and the possessions within are safeguarded against unforeseen events such as fires, theft, and natural disasters. Not only does it cover repair or replacement costs, but it also extends to liability coverage, which is invaluable if someone were to be injured on your property. Given the unpredictability of weather and other risks, it’s wise to review your policy details carefully, making sure it aligns with your specific needs—especially if you reside in areas prone to certain hazards. 

4. Auto Insurance

Navigating the roads of life, auto insurance acts as your indispensable co-pilot, offering protection against the unpredictable. It’s not just about adhering to legal requirements in NC; it’s about ensuring your journey is safeguarded everywhere—from minor fender benders to more severe collisions. Good auto coverage extends beyond the immediate aftermath, addressing property damage and personal injury liability, which could save you from significant financial distress. Tailoring your auto insurance to encompass collision, comprehensive, and liability ensures that you’re equipped for the road ahead, whatever it may bring. With a variety of options at your fingertips, crafting a policy that mirrors your driving habits and vehicle value means you’re not just prepared—you’re protected. 

5. Renters Insurance

Diving into the realm of renting, many individuals may not realize the significant value renters insurance brings to the table. This type of insurance is a beacon of protection for your personal property, standing guard against perils such as theft, fire, or even water damage. Beyond safeguarding your belongings, it offers an invaluable shield if someone is injured within your rental space. Opting for renters insurance is a smart, cost-effective strategy to ensure that your personal items are protected without the hefty price tag. It fills the gap left by your landlord’s policy, ensuring that your personal treasures and liability needs are covered. Whether you’re nestled in a cozy studio or a sprawling apartment, embracing renters insurance is a pivotal step in securing your personal sanctuary and peace of mind.

6. Disability Insurance

In the tapestry of life, unforeseen circumstances can alter the course of our journey, sometimes in the form of a disability that could sideline us from our professional endeavors. Disability insurance emerges as a potential help, offering a financial safety net that covers a significant portion of your income when you’re unable to work. It’s the unsung hero that enables you to maintain your standard of living, manage your bills, and provide for your family despite the hurdles life may throw your way. The beauty of disability insurance lies in its ability to adapt to your unique needs, offering both short-term and long-term coverage options based on the nature of your disability and your financial requirements. It’s a testament to the idea that while we can’t predict the future, we can certainly prepare for it, ensuring that we remain resilient in the face of adversity.

7. Long-term Care Insurance

Embarking on the path of aging gracefully means considering the avenues that allow us to maintain autonomy and quality of life in our later years. Long-term care insurance is a pivotal piece of this puzzle, offering a financial safety net that can significantly alleviate the cost of care services, be they in your own home or a specialized facility. With the expenses associated with long-term care often being substantial and not typically covered by traditional health insurance, this type of policy stands as a bulwark to protect your savings and ensure you have the freedom to choose the level of care that suits your needs and preferences best. Exploring long-term care insurance options is a proactive step toward securing your independence and preserving your financial health, allowing you to face the future with confidence and ease. 

8. Business Insurance

Embarking on the entrepreneurial journey comes with its share of risks and challenges. Business insurance serves as the armor to protect your entrepreneurial dreams against unforeseen mishaps. From safeguarding your physical assets against damage to covering potential liability claims, the right insurance plan can be the difference between a setback and a catastrophe. Whether you’re a fledgling startup or a seasoned enterprise, customizing your coverage to fit your business’s unique landscape is essential. This not only ensures that your operations can weather storms but also secures your employees’ well-being, the lifeblood of your business. Moreover, in the dynamic landscape of commerce, where disruptions can come from any angle, business insurance offers you the confidence to innovate and grow, knowing the fruits of your labor are protected. 

9. Umbrella Insurance

Umbrella insurance acts as an extra layer of protection, wrapping another blanket of coverage around your existing policies. Umbrella (or Gap insurance) steps in like a trusty backup, ready to handle the overflow when the limits of your primary insurance policies are reached, ensuring that significant legal fees, damages, or claims that surpass your basic coverage don’t jeopardize your financial security. It’s the peace of mind that comes from knowing you’re prepared for even the most unexpected, high-stake scenarios. By choosing to add umbrella insurance to your safety net, you’re not just covering your assets—you’re ensuring that, come what may, your lifestyle and savings are shielded against the storms of life’s uncertainties.

10. Pet Insurance

Navigating the health needs of our furry family members, pet insurance emerges as a crucial ally. As anyone who’s faced unexpected vet visits knows, the costs can escalate quickly, turning a stressful situation into a financial burden as well. Pet insurance steps in to alleviate this stress, offering various coverage plans tailored to your pet’s specific needs—from emergency surgeries to chronic illnesses and even preventative care. It’s about creating a safety net that ensures your pets receive the best possible care without compromising your financial well-being. Choosing the right plan involves weighing factors like coverage limits, deductibles, and exclusions, but ultimately, it equips you to manage healthcare costs for your pets more predictably. By investing in pet insurance, you’re not just planning for the what-ifs; you’re ensuring a happier, healthier life for your beloved companions, keeping their tails wagging and purrs going strong. And this doesn’t just go for those home-bound furry friends—you should look to insure your equine buddies, as well. 


Embarking on the journey to fully protect yourself, your loved ones, and your assets with insurance is a significant but rewarding endeavor. In navigating the vast landscape of insurance coverage in Western North Carolina, it’s essential to carefully consider which policies best suit your unique situation and needs. Consulting with an insurance broker can help you navigate the process and find the right balance between comprehensive coverage and managing the costs associated with adding riders. At Penny Insurance, we’re happy to work with you to find the best options for you.  Remember, the goal is to protect your most valuable asset and gain the peace of mind that comes with knowing you’re adequately covered.

Top (Springtime) Things to Do in WNC

Top (Springtime) Things to Do in WNC

As the frost of winter melts away, the mountains and valleys of Western North Carolina undergo a magical transformation, offering a mosaic of blooming flowers, lush greenery, and vibrant wildlife. For those yearning to shake off the winter chill and dive into the warmth of spring, there are plenty of things to do in WNC that showcase the season’s best. Whether you’re a nature lover, an adventure seeker, or someone who simply appreciates the finer things in life, springtime in this region has something special for everyone.

Re-Discover the Blooming Beauty of the Blue Ridge Parkway

Traveling along the Blue Ridge Parkway in the springtime presents a unique opportunity to witness the awakening of nature. This iconic route, celebrated for its stunning vistas and easy access to the Appalachian Highlands, becomes a canvas painted with the vibrant hues of spring wildflowers. Among the floral displays, trilliums, rhododendrons, and mountain laurels stand out, creating a picturesque setting that begs to be explored. Overlooks and picnic areas dotting the parkway invite visitors to pause and absorb the breathtaking scenery. Each stop offers a new perspective on the rolling landscapes, encouraging travelers to take their time and embrace the serene beauty. Photography enthusiasts will find endless inspiration in the panoramic views, while those seeking a moment of tranquility will appreciate the peaceful ambiance. 

Explore the Biltmore Estate Gardens in Full Spring Glory

springtime flowers, tulips, at the Biltmore estate

Immersing yourself in the springtime splendor of the Biltmore Estate Gardens is an experience like no other. As the warmer weather ushers in a profusion of colors, the gardens, conceptualized by the renowned Frederick Law Olmsted, come to life. Visitors are treated to an array of blossoming flora, from the tulips that grace the Italian Garden to the riotous colors of azaleas in the Azalea Garden. The Spring Garden is particularly notable for its dazzling display of seasonal blooms that paint the landscape in a vibrant palette. For those interested in the rich tapestry of history and botany that surrounds the estate, guided tours offer enlightening insights into the design and upkeep of these magnificent grounds. Strolling through these meticulously curated gardens, one can’t help but be enchanted by the fusion of natural beauty and architectural grandeur that defines the Biltmore Estate in spring.

Hike Your Way Through the Appalachian Trail

Embarking on a journey through the Appalachian Trail in Western North Carolina during the spring season is an adventure that showcases the beauty of nature’s rebirth. The trail offers a diverse range of hiking experiences, suitable for casual walkers and seasoned hikers alike. One of the highlights is the scenic Max Patch, a mountain summit that offers panoramic views of the verdant landscape, adorned with wildflowers and budding trees. The warmer weather and the vibrant backdrop make every step an invigorating discovery of natural wonders. Along the way, hikers can encounter a variety of wildlife emerging in the new season, adding an element of surprise and delight to the trek. The Appalachian Trail’s extensive network means there are always new paths to explore, each providing a unique perspective on the stunning scenery that defines Western North Carolina in spring. 

Experience the Thrill of Whitewater Rafting

As the snow in higher elevations begins to melt, rivers like the Nantahala and French Broad swell, creating perfect conditions for rafting. These waters cater to a wide array of enthusiasts, from those dipping their paddles into the world of rafting for the first time to seasoned experts craving the challenge of surging rapids. Guided tours offered on these rivers ensure not only an adrenaline-filled day out but also a safe experience, as professionals navigate you through the thrilling currents. Equipped with all the necessary gear, participants can fully immerse themselves in the exhilaration of the ride, surrounded by the unparalleled beauty of the springtime mountain landscape. It’s an invigorating way to connect with the raw power of nature while forging unforgettable memories in the heart of WNC’s pristine wilderness.

Indulge in Local Flavors at Spring Festivals

Spring festivals in Western North Carolina are a vibrant celebration of the region’s gastronomic and artisanal excellence. These events, set against the backdrop of warming temperatures and flourishing landscapes, provide a perfect opportunity for locals and visitors to engage with the community’s rich traditions and innovative culinary scene. The Asheville Herb Festival stands out as a culinary haven, offering an extensive range of herbs, plants, and specialty foods that highlight the unique flavors of WNC. Similarly, the Greening Up the Mountains Festival brings together food enthusiasts, artists, and musicians, creating a lively atmosphere that embodies the spirit of spring. At these festivals, attendees can savor an assortment of local dishes, from traditional Appalachian recipes to contemporary fusion cuisine, all while enjoying live performances and handcrafted goods. These gatherings not only serve as a platform for showcasing the region’s local talent and produce, but also foster a sense of unity and celebration among WNC’s community members.

Enjoy a Scenic Picnic at a National Park

Embark on a tranquil adventure to one of Western North Carolina’s majestic national parks for an idyllic picnic experience. Great Smoky Mountains National Park, renowned for its rich biodiversity, serves as the perfect backdrop for a leisure-filled day, and the summit view at Mt. Mitchell can’t be beat. Venture along its meandering trails, uncover enchanting waterfalls, and find your perfect picnic spot amidst the lush surroundings. The agreeable spring climate offers the ideal setting for alfresco dining. Whether it’s a family gathering or a serene solo outing, the park’s expansive landscapes provide both the solitude and the space for memorable moments. As you savor your meal, surrounded by nature’s symphony, the park’s beauty unfolds, offering a gentle reminder of the simple pleasures that spring in Western North Carolina brings.

Visit Local Farms and Orchards for Fresh Spring Produce

Spring brings a bounty of fresh flavors to Western North Carolina, and there’s no better way to experience this seasonal abundance than by visiting local farms and orchards. These family-friendly outings offer more than just a chance to gather strawberries, cherries, and a variety of spring vegetables straight from the source; they provide a unique insight into the region’s agricultural heritage. By engaging directly with farmers, visitors can learn about sustainable farming practices and the importance of supporting local agriculture. Many of these farms also feature on-site markets selling a range of homemade products, from artisanal cheeses to freshly baked pies, allowing you to take a piece of WNC’s springtime home with you. As you wander through rows of budding plants and trees, the connection to the land and the cycle of life becomes palpable, enriching your spring experience in Western North Carolina.

Whatever your hobbies, spring in Western North Carolina offers an unparalleled tapestry of experiences. Go out and explore! But while you do, stay safe—and if you need help in that area, we at Penny Insurance are always happy to help.