{"id":24522,"date":"2026-04-26T22:15:19","date_gmt":"2026-04-26T22:15:19","guid":{"rendered":"https:\/\/incredipros.com\/?p=24522"},"modified":"2026-04-26T22:15:19","modified_gmt":"2026-04-26T22:15:19","slug":"8-types-of-insurance-you-cant-go-without","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=24522","title":{"rendered":"8 Types of Insurance You Can&#8217;t Go Without"},"content":{"rendered":"<div id=\"\">\n<div class=\"rds-RichText_1 \">\n<p>\u00a0\n    <\/p>\n<div class=\"BlogInsert-copy\">\n<p>\u00a0Home and auto insurance aren\u2019t just about low rates\u2014they\u2019re about the right coverage level. Talk to a trusted pro who can help you get both.<\/p>\n<\/p><\/div>\n<p><img decoding=\"async\" loading=\"lazy\" data-cke-path=\"null\" alt=\"\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2024\/12\/rapid-read-off.svg.svg+xml\"\/>\n    <\/p>\n<p>Insurance . . . it can feel complicated and confusing. You just want to make sure your family is taken care of, but then you start running into a bunch of insurance jargon\u2014and all the options start running together. It seems like the insurance companies make it as difficult as possible to make sure you have the right coverage without paying more than you need to. Oh, and don\u2019t forget all the insurance gimmicks and rip-offs you have to watch out for!\n    <\/p>\n<p>It can all be a little bit overwhelming, huh? But don\u2019t worry. Even though insurance can be hard to understand, you can still make smart, informed decisions. You just need to know which types of policies you need.\n    <\/p>\n<p>So, let\u2019s go over the eight types of insurance you can\u2019t go without. That way, you\u2019ll be prepared to make the best choices for you and your family. And don\u2019t worry, we\u2019ll break everything down and make it all easy to understand!\n    <\/p>\n<h2>Types of Insurance Coverage You Need<\/h2>\n<p>Here are the eight types of insurance coverage you need:\n    <\/p>\n<ol>\n<li>Auto insurance<\/li>\n<li>Health insurance<\/li>\n<li>Life insurance<\/li>\n<li>Homeowners or renters insurance<\/li>\n<li>Long-term disability insurance<\/li>\n<li>Long-term care insurance<\/li>\n<li>Identity theft protection<\/li>\n<li>Umbrella policy<\/li>\n<\/ol>\n<p>Before we break down all those different types of insurance, here\u2019s something important to remember: The purpose of insurance is to transfer financial risk you can\u2019t handle yourself to an insurance provider. It should only serve as shield for when something bad happens that, without a good insurance policy, could wipe you out financially\u2014like a hospital stay, a house fire or getting sued after a car accident.\n    <\/p>\n<p>That means you should <em>not <\/em>use insurance as a savings plan or an investment strategy. It also means you don\u2019t need insurance for smaller expenses you can handle yourself, like routine visits to the dentist or eye doctor.\n    <\/p>\n<p>Alright, now let\u2019s dive into the list!\n    <\/p>\n<p><img decoding=\"async\" loading=\"lazy\" data-cke-path=\"null\" alt=\"types of insurance you can't go without\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2024\/12\/8-types-of-insurance-you-cant-go-without-infographic.jpg\"\/>\n    <\/p>\n<\/p><\/div>\n<div class=\"rds-RichText_1 \">\n<h2>1. Auto Insurance<\/h2>\n<p>You probably didn\u2019t need us to tell you how important it is to get auto insurance\u2014chances are, your state requires it anyway. But there <em>are<\/em> a lot of different types of protection in the auto insurance world, and you need to know which ones to include in your policy. These are the three big ones you need:\n    <\/p>\n<ul>\n<li><strong>Collision: <\/strong>If you get in an accident that\u2019s your fault, collision coverage pays for damages to <em>your <\/em>car.<\/li>\n<\/ul>\n<ul>\n<li><strong>Comprehensive:<\/strong> This level of insurance covers damage to your car not related to wrecks\u2014like theft, fire, glass breakage, flooding and hail damage.<\/li>\n<\/ul>\n<ul>\n<li><strong>Liability: <\/strong>If you\u2019re responsible for an accident, liability coverage takes care of the other guy\u2019s car and any injuries or property damage caused by the collision\u2014and legal fees if the other guy decides to come after you and sue you for some reason. You need at least $500,000 in liability protection (it\u2019s usually only a few bucks more each month). And in case your policy features split coverage, here&#8217;s how the $500,000 should break down: you need $250,000 in coverage\u00a0for the bodily injury portion, and another $250,000 for the property damage portion. (Convenient how they match like that.) Your policy\u00a0might have it written out as 250\/500\/250, so let&#8217;s decode that.\u00a0The first number is the <strong>bodily injury per person<\/strong> limit, the middle is the <strong>bodily injury per accident<\/strong> limit and the third is the <strong>property damage per accident<\/strong> limit. Just make sure the first and third numbers both say 250 and you&#8217;re good.<\/li>\n<\/ul>\n<p>You should also consider adding these three areas of protection to your auto policy if they\u2019re available in your state. (The extra costs are minimal in most cases.)\n    <\/p>\n<ul>\n<li><strong>Personal injury protection (PIP): <\/strong>This covers hospital bills, medical costs and lost wages if you get injured in a car accident\u2014basically, any gaps your health insurance doesn\u2019t take care of. PIP coverage is only available in about half of U.S. states, but it\u2019s usually pretty cheap to tack it onto your policy if you have the option.<\/li>\n<\/ul>\n<ul>\n<li><strong>Medical payments coverage: <\/strong>Basically, medical payments coverage (or MedPay) is a weaker version of PIP. They both cover pretty much the same types of expenses, but PIP provides stronger coverage with higher limits. MedPay is a good option if PIP isn\u2019t available in your state.<\/li>\n<\/ul>\n<ul>\n<li><strong>Uninsured or underinsured motorist coverage: <\/strong>As you probably guessed by the name, these are coverages that protect <em>your <\/em>car if you get in an accident with an uninsured or underinsured driver and the accident is their fault. Both types of coverage are typically bundled together, and some states require them.<\/li>\n<\/ul>\n<h2>2. Health Insurance<\/h2>\n<p>Yes, health insurance is confusing. Yes, it\u2019s expensive. But you need it. Why? Take it from Shannon B., a member of our Ramsey Baby Steps Community on Facebook:\n    <\/p>\n<p>\u201cMy dad, when he was in his mid-40s, had a very minor heart attack. Come to find out he needed quintuple bypass, because our family is \u2018blessed\u2019 with the high cholesterol gene. His bill after the surgery, after the hospital stay\u2014and he was only in the hospital for about five days\u2014was over $100,000.\u201d Woah!\n    <\/p>\n<p>Luckily, Shannon\u2019s father had a good health insurance policy in place. And because of it, he only wound up paying about $800 for the surgery.\n    <\/p>\n<p><em>That\u2019s <\/em>the reason you get health insurance. See, you don\u2019t get it to cover every little dinky thing that happens in your life. You don\u2019t need coverage for hangnails or the sniffles\u2014you can handle those costs on your own. But what about if you have a heart attack, even a minor one? Or you have to get your appendix out and spend a weekend in the hospital? Or, heaven forbid, you get diagnosed with cancer and need seven weeks of treatment that costs $400,000? Yep, <em>that\u2019s <\/em>what you need health insurance for.\n    <\/p>\n<p>It&#8217;s sad, but a lot of people get caught in one of those situations with no medical policy in place. It\u2019s why 67% of bankruptcies are at least partially caused by medical debt.<sup>1\u00a0<\/sup>Don\u2019t let that be you! Make sure your health insurance policy provides the coverage your family needs.\n    <\/p>\n<p>If you\u2019re worried about the cost of health insurance, there are several things you can do to make it more affordable\u2014like using an employer-sponsored plan, raising your deductible or taking advantage of discounts your insurance company offers. And here&#8217;s one more: participating in a\u00a0health share plan\u00a0(which technically speaking, is not a form of health insurance). The thing is, health share plans tend to be far more affordable than typical health insurance. In fact, there&#8217;s a health share plan we love\u2014Christian Healthcare Ministries (CHM)! They\u2019re a RamseyTrusted partner serving thousands of people nationwide.\n    <\/p>\n<p>\u00a0\n    <\/p>\n<\/p><\/div>\n<div class=\"rds-RichText_1 \">\n<h2>3. Life Insurance<\/h2>\n<p>There are a lot of myths out there about life insurance, so let\u2019s set the record straight. Life insurance has one job: to replace your income if you die. (Doesn\u2019t that make it death insurance?)\n    <\/p>\n<p>Like we talked about earlier, insurance should <em>never<\/em> be an investment product or a savings plan. But that won\u2019t stop tons of life insurance companies from offering you terrible whole life policies (sometimes called \u201ccash value\u201d) that come with super expensive monthly premiums. They combine a life insurance policy with a savings or investment plan that grows at the rate paint dries\u2014certainly nowhere close to a good mutual fund or index fund. That\u2019s a terrible deal!\n    <\/p>\n<p>So, while you do need life insurance if someone relies on your income\u2014like children or a spouse\u2014you <em>don\u2019t <\/em>need a whole life plan. Instead, take out a <em>term life<\/em> policy for 10\u201312 times your annual income. With term life insurance, there are no smoke and mirrors or confusing financial maneuvers. It\u2019s simply a life insurance policy that provides a payout if you die while the policy is active.\n    <\/p>\n<p>Now, unlike whole life insurance, term life policies are only active for a set term, usually 10\u201320 years. But if you spend those 10\u201320 years working hard to get out of debt, pay off your house early, and build wealth through investing, you won\u2019t have to worry about life insurance anymore when the term ends. Why? Because, at that point, your family will be in good shape financially even if something happens to you\u2014you\u2019ll be self-insured thanks to your hard work.\n    <\/p>\n<h2>4. Homeowners or Renters Insurance<\/h2>\n<p>Homeowners insurance provides financial protection for your home and personal belongings. It\u2019s really important to have the right amount of coverage since losing your home without a backup plan would mean taking a massive financial blow\u2014one you can\u2019t handle on your own.\n    <\/p>\n<p>A good homeowners insurance policy will include the following types of coverage:\n    <\/p>\n<ul>\n<li><strong>Extended dwelling coverage: <\/strong>pays to rebuild your home<\/li>\n<\/ul>\n<ul>\n<li><strong>Personal property: <\/strong>pays to replace your personal belongings<\/li>\n<\/ul>\n<ul>\n<li><strong>Liability: <\/strong>covers injuries and damages that happen on your property<\/li>\n<\/ul>\n<ul>\n<li><strong>Additional living expenses: <\/strong>reimburses your living expenses after the loss of an insured home<\/li>\n<\/ul>\n<p>You\u2019ll also want to make sure you add a flood or earthquake insurance rider (or a separate policy) if you live in an area where either of those are common\u2014almost <em>no <\/em>homeowners insurance policies cover floods or earthquakes.\n    <\/p>\n<p>If you\u2019re renting, that doesn\u2019t mean you don\u2019t need insurance! Your landlord\u2019s insurance policy only protects the apartment, house or condo itself\u2014they can\u2019t legally insure your personal belongings. That\u2019s why you need to have renters insurance. A $20,000 policy is enough coverage for most people.\n    <\/p>\n<p>Just like a good homeowners insurance policy, your renters insurance should include personal property, liability and additional living expenses coverages. Your landlord\u2019s policy will cover the extended dwelling.\n    <\/p>\n<p>\u00a0\n    <\/p>\n<\/p><\/div>\n<div class=\"rds-RichText_1 \">\n<h2>5. Long-Term Disability Insurance<\/h2>\n<p>The best way to be financially prepared for a <em>short<\/em>-term disability is to save an emergency fund big enough to cover 3\u20136 months of your typical expenses. If you ever get sick or injured and have to take time off work for a few months, those savings can fill in the gaps until you get back on your feet.\n    <\/p>\n<p>But when it comes to disabilities that keep you from working for more than just a few weeks or months, the best way to be financially prepared is to get a long-term disability insurance policy. And since 1 in 4 of today\u2019s 20-year-olds will become disabled at some point before their 67th birthday, that\u2019s a protection you can\u2019t live without.<sup>2<\/sup>\n    <\/p>\n<p>The price of a long-term disability policy is typically around 1\u20133% of your annual income, though the cost will largely depend on the physical risk associated with your job. If you work in an office and sit at a desk all day, you\u2019ll pay less for disability insurance than, say, a high-rise window washer or a logging worker who uses dangerous heavy machinery every day.\n    <\/p>\n<p>You want a policy that\u2019ll cover 60\u201370% of your annual income. These days, most policies are set up to pay you for five years after you\u2019re declared disabled.\n    <\/p>\n<h2>6. Long-Term Care Insurance<\/h2>\n<p>Good long-term care insurance coverage will take care of expenses for assisted living, in-home care and nursing home care if you can\u2019t look after yourself. And no, Medicare doesn\u2019t cover the costs of long-term care. That\u2019s why getting your own coverage is an absolute must for anyone over 60.\n    <\/p>\n<p>Why? Because 70% of Americans over 65 will wind up needing long-term care and the average annual cost for a private room at a nursing home is nearly $110,000.<sup>3,4<\/sup> Holy smokes! For lots of folks, those insane costs wind up coming out of their retirement accounts or other personal savings\u2014meaning they wipe out a huge portion of their net worth. If you\u2019re married and your spouse outlives you, that\u2019s a recipe for disaster.\n    <\/p>\n<p>Instead of leaving yourself vulnerable to a situation like that, purchase a long-term care insurance policy when you turn 60. It&#8217;s not cheap, but it <em>is <\/em>worth the cost in the long run mathematically.\n    <\/p>\n<p>\u00a0\n    <\/p>\n<\/p><\/div>\n<div class=\"rds-RichText_1 \">\n<h2>7. Identity Theft Protection<\/h2>\n<p>While identity theft protection isn\u2019t <em>technically <\/em>an insurance product, it\u2019s still really important to have in place. Why? Because identity theft is becoming more common each year (the Federal Trade Commission got 1.1 million reports of ID theft in 2022), and you\u2019ll have a big mess on your hands if it happens to you.<sup>5<\/sup>\n    <\/p>\n<p>Even though you aren\u2019t responsible for money that\u2019s fraudulently spent or taken out in your name, you <em>will <\/em>have to clean up the damage\u2014which means fixing your credit report, dealing with banks, and jumping through legal hoops. But if you have a good ID theft protection policy, your provider will assign a counselor to your case to clean up the damage for you.\n    <\/p>\n<p>So, make sure you get a policy that offers restoration services, not just credit report monitoring\u2014something you should be doing yourself anyway.\n    <\/p>\n<\/p><\/div>\n<div class=\"rds-RichText_1 \">\n<h2>8. Umbrella Policy<\/h2>\n<p>An\u00a0umbrella policy\u00a0stacks on top of your homeowners and auto insurance policies to add an extra layer of liability protection for you and your assets. Getting one is a good idea for anyone with a net worth of at least $500,000.\n    <\/p>\n<p>Why? Because, when you build wealth, you put a target on your butt. Yep, it\u2019s true. Some folks will see your financial success as an opportunity to get something from you. And in the lawsuit-happy world we live in, you need to be cautious about that.\n    <\/p>\n<p>Imagine this scenario: You gently bump into the car in front of you on the highway and, though the accident was your fault, neither car was damaged beyond a few scratches and scuffs. But then the other guy, seeing this as their opportunity to cash in, gets out of the car and starts acting like they have a major back injury. Then they turn around and sue you for more money than your auto liability policy will cover. Bad news.\n    <\/p>\n<p>That scenario may seem farfetched, but it\u2019s more common than you may think. Getting an umbrella policy is the best way to play defense against it and other kinds of situations that put your wealth in jeopardy. Especially since they\u2019re so affordable\u2014typically just $200\u2013300 annually for $1 million in coverage\u2014umbrella policies are 100% worth the investment.\n    <\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Type of Insurance<\/strong>\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Do you need it?<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Auto Insurance\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Health Insurance\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Term Life Insurance\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Whole Life Insurance\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>NO<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Umbrella Policy\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Homeowners\/Renters Insurance\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Extended Dwelling Coverage<\/li>\n<\/ul>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Personal Property Coverage<\/li>\n<\/ul>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Additional Living Expenses Coverage<\/li>\n<\/ul>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Long-Term Disability Insurance\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Short-Term Disability Insurance\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>NO<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Long-Term Care Insurance\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>ID Theft Protection\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0\n    <\/p>\n<\/p><\/div>\n<div class=\"rds-RichText_1 \">\n<h2>The Best Way to Get the Coverage You Need<\/h2>\n<p>Now you know exactly what kinds of insurance coverage you need\u2014and<em> <\/em>which traps you should avoid. So, what should you do if you <em>don\u2019<\/em><em>t <\/em>have one of the policies on this list? Get connected with one of our RamseyTrusted insurance providers.\n    <\/p>\n<p>They\u2019re independent agents and brokers who aren\u2019t tied to a single insurance company. That means they can shop a bunch of different companies to get you the best deal on the market. Plus, we\u2019ve vetted them to make sure they\u2019ll serve you with excellence and help you make the best decisions for you and your family.\n    <\/p>\n<p>\u00a0\n    <\/p>\n<\/p><\/div>\n<\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/insurance\/types-insurance-cant-go-without\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0 \u00a0Home and auto insurance aren\u2019t just about low rates\u2014they\u2019re about the right coverage level. Talk to a trusted pro who can help you get both. Insurance . . . it can feel complicated and confusing. You just want to make sure your family is taken care of, but then you start running into a<\/p>\n","protected":false},"author":1,"featured_media":24523,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24522","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>8 Types of Insurance You Can&#039;t Go Without | IncrediPros<\/title>\n<meta name=\"description\" content=\"\u00a0 \u00a0Home and auto insurance aren\u2019t just about low rates\u2014they\u2019re about the right coverage level. Talk to a trusted pro who can help you get both. 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