The rainy season is almost here in the Philippines. And while the cool weather is very much welcome after the long, slow, drag that is summer, heavy rains may also mean flood and vehicular accidents.

I rarely leave the house, so I’m not particular worried about the slippery roads and highways. However, flooding and other typhoon-related mishaps keep me on my toes. Morbid as it may sound, thinking about home insurance or car insurance or even term life insurance is may be wise.