🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 41 (from laksa109)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa041.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical, ml_categories_json AS ml_categories_json, ml_types_json AS ml_types_json, ml_intent_types_json AS ml_intent_types_json, meta_language AS meta_language, attrs_author AS attrs_author, ifNull(toUnixTimestamp(attrs_publish_time), 0) AS attrs_publish_time, ifNull(toUnixTimestamp(attrs_original_publish_time), 0) AS attrs_original_publish_time, ifNull(attrs_is_republished, 0) AS attrs_is_republished, ifNull(attrs_nr_words, 0) AS attrs_nr_words, ifNull(attrs_boilerpipe_nr_words, 0) AS attrs_boilerpipe_nr_words, ifNull(body_ext_links_number, 0) AS body_ext_links_number, ifNull(body_int_links_number, 0) AS body_int_links_number, ifNull(meta_nofollow, 0) AS meta_nofollow, ifNull(meta_noarchive, 0) AS meta_noarchive, ifNull(props_was_rendered, 0) AS props_was_rendered, ifNull(src_redirect, \'\') AS src_redirect, ifNull(download_time_msec, 0) AS download_time_msec, ifNull(download_ttfb_msec, 0) AS download_ttfb_msec, ifNull(download_size, 0) AS download_size FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.fbfs.com/learning-center/kinds-of-insurance-coverage-everyone-should-have\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.fbfs.com/learning-center/kinds-of-insurance-coverage-everyone-should-have\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.fbfs.com\/learning-center\/kinds-of-insurance-coverage-everyone-should-have","crawl_time":1776173613,"first_indexed_time":1744953083,"http_code":200,"src_unparsed":"com,fbfs!www,\/learning-center\/kinds-of-insurance-coverage-everyone-should-have s443","src_root_hash":"8883647206174333641","history_drop_reason":null,"meta_title":"Essential Insurance Coverage for You and Your Family | Farm Bureau Financial Services","meta_descriptions":["Learn about the 5 essential types of insurance: auto, home, health, life and disability. Protect yourself and your family with the right coverage for peace of mind."],"attrs_boilerpipe_text":"Insurance is a crucial way to protect yourself and your family when life throws you a curveball. Most people may need these five different types of insurance. Are you covered? \n1. Auto Insurance\nIf you own a car, you will want to have\nauto insurance\n. If you have an auto loan, it’s possible your bank may require a minimum amount of coverage. State laws also often mandate what you need in terms of auto insurance. \nEven if you’re driving an inexpensive car, don’t assume you don’t need auto insurance. Auto insurance doesn’t just cover damage to your vehicle; it may cover damage to other vehicles as well as medical and legal expenses for people injured in accidents. \nIf you don’t own a car but often borrow someone’s car and they have minimal insurance, or if you frequently rent cars, you may want to look into non-owner car insurance. You may be required to have non-owner car insurance if you’ve been convicted of a major traffic offense.\n2. Homeowners or Renters Insurance\nHomeowners insurance\nis a must if you own your home. To take out a mortgage, you’ll likely have to show proof of homeowners insurance coverage. These policies protect what may be your biggest investment from the expenses of repairs after natural disasters, theft or accidents. Homeowners insurance covers the structure as well as your possessions.\nRenters insurance\nis similar to homeowners insurance, but it only covers your possessions since you aren’t responsible for the plumbing, electrical, structure and more in a rental unit. You might think you don’t need renters insurance, but what if a fire destroys everything in your rental unit? The cost of replacing your clothing, electronics, furniture, sports equipment, household items and more would add up quickly.\n3. Health Insurance\nEven if you’re young, healthy and following good lifestyle habits,\nhealth insurance\nis important. There’s no guarantee that you won’t get sick or hurt, and treatment for a serious illness like cancer or injuries from an accident could cost hundreds of thousands of dollars. You may be able to get health insurance through your employer or through plans offered through the Affordable Care Act. \n4. Life Insurance\nIf you have people who depend on your income,\nlife insurance\nis a great safety net. With life insurance, those who rely on your income can still meet their needs if something happens to you and your paycheck isn’t coming in. \nIf you have young children and you stay home with them, getting life insurance is a wise choice. If something happens to you, your partner will be faced with the costs of childcare and the other responsibilities you handle.\nEven if you’re single and don’t have children, you may want to have a life insurance policy to cover funeral expenses so your loved ones don’t have to pay for them. You might also choose to\npurchase life insurance when you’re younger\nbecause your options will probably be more affordable.\n5. Disability Insurance\nWhat would happen if you couldn’t work?\nDisability insurance\nmay provide you income if an illness or injury keeps you from performing your job.\nIf people depend on your income, you probably need disability insurance. Even if nobody relies on you financially, if you’re self-employed or if you own a small business, this coverage can provide you with the safety net that might come with a corporate job. \nIf you have disability insurance through your employer, make sure to check the limits. You may require additional coverage to meet your needs.\nAsk for Help\nWhen you’re asking yourself, “What insurance do I need?” the options can seem overwhelming. A\nFarm Bureau insurance agent\ncan sit down with you, review your current situation, plans and goals, and recommend the coverage that’s right for you. Reach out for a conversation today.","attrs_markdown":"Skip to main content\n\nWe use cookies to personalize content and analyze our traffic. By continuing to use our site, you accept our use of cookies.  \n [Privacy Statement](https:\/\/www.fbfs.com\/privacy-and-security)\n\n[Close](https:\/\/www.fbfs.com\/learning-center\/kinds-of-insurance-coverage-everyone-should-have)\n\nClose\n\n- [Request a Quote](https:\/\/www.fbfs.com\/request-a-quote)\n- [Contact Us](https:\/\/www.fbfs.com\/contact-us)\n\nSearch search\n\nOpen navigation\n\n[![user-logo.svg](https:\/\/www.fbfs.com\/Content\/images\/Custom\/user-icon.svg)Log In](https:\/\/login.fbfs.com\/)\n\n- [Pay Bill](https:\/\/www.fbfs.com\/pay-bill)\n\n[Pay Bill](https:\/\/www.fbfs.com\/pay-bill)\n\n[Claims](https:\/\/www.fbfs.com\/claims-center)\n\nClose navigation\n\n- [Insurance](https:\/\/www.fbfs.com\/insurance)\n  Insurance\n  - - [Auto Insurance](https:\/\/www.fbfs.com\/insurance\/auto-insurance)\n      Auto Insurance\n      - [Car Insurance](https:\/\/www.fbfs.com\/insurance\/auto-insurance\/car)\n      - [Roadside Assistance](https:\/\/www.fbfs.com\/insurance\/auto-insurance\/roadside-assistance)\n      - [See More](https:\/\/www.fbfs.com\/insurance\/auto-insurance)\n    - [Life Insurance](https:\/\/www.fbfs.com\/insurance\/life-insurance)\n      Life Insurance\n      - [Whole Life](https:\/\/www.fbfs.com\/insurance\/life-insurance\/whole-life)\n      - [Term Life](https:\/\/www.fbfs.com\/insurance\/life-insurance\/term-life)\n      - [See More](https:\/\/www.fbfs.com\/insurance\/life-insurance)\n  - - [Home & Property Insurance](https:\/\/www.fbfs.com\/insurance\/home-and-property-insurance)\n      Home & Property Insurance\n      - [Homeowner's Insurance](https:\/\/www.fbfs.com\/insurance\/home-and-property-insurance\/homeowners)\n      - [Renter's Insurance](https:\/\/www.fbfs.com\/insurance\/home-and-property-insurance\/renters)\n      - [See More](https:\/\/www.fbfs.com\/insurance\/home-and-property-insurance)\n    - [Business Insurance](https:\/\/www.fbfs.com\/insurance\/business-insurance)\n      Business Insurance\n      - [Commercial Business](https:\/\/www.fbfs.com\/insurance\/business-insurance\/commercial-business)\n      - 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Use Tab to access the results.\n\n- [Home](https:\/\/www.fbfs.com\/)\n- [Learning Center](https:\/\/www.fbfs.com\/learning-center)\n- Essential Insurance Coverage for You...\n\n# 5 Kinds of Insurance Coverage Everyone Should Have\nApr 18, 2025 2 min read\n\n- [Share to Facebook](https:\/\/www.fbfs.com\/#facebook)\n- [Share to Twitter](https:\/\/www.fbfs.com\/#twitter)\n- [Share to LinkedIn](https:\/\/www.fbfs.com\/#linkedin)\n- [Share by email](https:\/\/www.fbfs.com\/#email)\n- [Print](https:\/\/www.fbfs.com\/#print)\n\n![](https:\/\/www.fbfs.com\/optimize\/getmedia\/fd299b67-98d1-4153-974b-4ea30b694b3f\/LCArticle_5InsurancePoliciesEveryoneShouldHave.jpg?width=612&height=408&ext=.jpg&format=webp)\n\nInsurance is a crucial way to protect yourself and your family when life throws you a curveball. Most people may need these five different types of insurance. Are you covered?\n\n### 1\\. Auto Insurance\nIf you own a car, you will want to have [auto insurance](https:\/\/www.fbfs.com\/insurance\/auto-insurance). If you have an auto loan, it’s possible your bank may require a minimum amount of coverage. State laws also often mandate what you need in terms of auto insurance.\n\nEven if you’re driving an inexpensive car, don’t assume you don’t need auto insurance. Auto insurance doesn’t just cover damage to your vehicle; it may cover damage to other vehicles as well as medical and legal expenses for people injured in accidents.\n\nIf you don’t own a car but often borrow someone’s car and they have minimal insurance, or if you frequently rent cars, you may want to look into non-owner car insurance. You may be required to have non-owner car insurance if you’ve been convicted of a major traffic offense.\n\n### 2\\. Homeowners or Renters Insurance\n[Homeowners insurance](https:\/\/www.fbfs.com\/insurance\/home-and-property-insurance\/homeowners) is a must if you own your home. To take out a mortgage, you’ll likely have to show proof of homeowners insurance coverage. These policies protect what may be your biggest investment from the expenses of repairs after natural disasters, theft or accidents. Homeowners insurance covers the structure as well as your possessions.\n\n[Renters insurance](https:\/\/www.fbfs.com\/insurance\/home-and-property-insurance\/renters) is similar to homeowners insurance, but it only covers your possessions since you aren’t responsible for the plumbing, electrical, structure and more in a rental unit. You might think you don’t need renters insurance, but what if a fire destroys everything in your rental unit? The cost of replacing your clothing, electronics, furniture, sports equipment, household items and more would add up quickly.\n\n### 3\\. Health Insurance\nEven if you’re young, healthy and following good lifestyle habits, [health insurance](https:\/\/www.fbfs.com\/insurance\/health-insurance) is important. There’s no guarantee that you won’t get sick or hurt, and treatment for a serious illness like cancer or injuries from an accident could cost hundreds of thousands of dollars. You may be able to get health insurance through your employer or through plans offered through the Affordable Care Act.\n\n### 4\\. Life Insurance\nIf you have people who depend on your income, [life insurance](https:\/\/www.fbfs.com\/insurance\/life-insurance) is a great safety net. With life insurance, those who rely on your income can still meet their needs if something happens to you and your paycheck isn’t coming in.\n\nIf you have young children and you stay home with them, getting life insurance is a wise choice. If something happens to you, your partner will be faced with the costs of childcare and the other responsibilities you handle.\n\nEven if you’re single and don’t have children, you may want to have a life insurance policy to cover funeral expenses so your loved ones don’t have to pay for them. You might also choose to [purchase life insurance when you’re younger](https:\/\/www.fbfs.com\/learning-center\/8-factors-that-can-affect-life-insurance-premiums) because your options will probably be more affordable.\n\n### 5\\. Disability Insurance\nWhat would happen if you couldn’t work? [Disability insurance](https:\/\/www.fbfs.com\/insurance\/health-insurance\/disability-income) may provide you income if an illness or injury keeps you from performing your job.\n\nIf people depend on your income, you probably need disability insurance. Even if nobody relies on you financially, if you’re self-employed or if you own a small business, this coverage can provide you with the safety net that might come with a corporate job.\n\nIf you have disability insurance through your employer, make sure to check the limits. You may require additional coverage to meet your needs.\n\n#### Ask for Help\nWhen you’re asking yourself, “What insurance do I need?” the options can seem overwhelming. A [Farm Bureau insurance agent](https:\/\/www.fbfs.com\/find-an-agent) can sit down with you, review your current situation, plans and goals, and recommend the coverage that’s right for you. Reach out for a conversation today.\n\n### Want to learn more?\nContact a local FBFS agent or advisor for answers personalized to you.\n\n[Find an Agent or Advisor](https:\/\/www.fbfs.com\/find-an-agent)\n\n## Want to learn more?\nContact a local FBFS agent or advisor for answers personalized to you.\n\n[Request a Quote](https:\/\/www.fbfs.com\/request-a-quote)\n\n[Find an Agent or Advisor](https:\/\/www.fbfs.com\/find-an-agent)\n\n## You May Also Like\n- [What to Do if Your Car Is Stolen](https:\/\/www.fbfs.com\/learning-center\/what-to-do-if-your-car-is-stolen)\n  \n  Apr 07\n  \n  3 minute read\n- [3 Tips to Keep Kids Safe in the Car](https:\/\/www.fbfs.com\/learning-center\/car-seat-safety-tips)\n  \n  Apr 02\n  \n  2 minute read\n- [How to Teach Your Tween Safe Driving Skills — Before Driver’s Ed](https:\/\/www.fbfs.com\/learning-center\/prepare-your-tween-driver)\n  \n  Mar 31\n  \n  3 minute read\n- [8 Questions to Ask Before You Hire an Electrician](https:\/\/www.fbfs.com\/learning-center\/questions-before-hiring-an-electrician)\n  \n  Mar 27\n  \n  2 minute read\n\n[Back to Top](https:\/\/www.fbfs.com\/learning-center\/kinds-of-insurance-coverage-everyone-should-have#topOfPage)\n\n## Sign Up for Our Newsletter\nJoin the thousands of people who stay up to date with our latest tips.\n\n- [Insurance](https:\/\/www.fbfs.com\/insurance)\n  - [Overview](https:\/\/www.fbfs.com\/insurance)\n  - [Auto](https:\/\/www.fbfs.com\/insurance\/auto-insurance)\n  - [Home & Property](https:\/\/www.fbfs.com\/insurance\/home-and-property-insurance)\n  - [Farm & Ranch](https:\/\/www.fbfs.com\/insurance\/farm-and-ranch-insurance)\n  - [Life](https:\/\/www.fbfs.com\/insurance\/life-insurance)\n  - [Business](https:\/\/www.fbfs.com\/insurance\/business-insurance)\n  - [Health](https:\/\/www.fbfs.com\/insurance\/health-insurance)\n  - [SuperCheck](https:\/\/www.fbfs.com\/insurance\/supercheck)\n\n- [Financial Services](https:\/\/www.fbfs.com\/financial-services)\n  - [Overview](https:\/\/www.fbfs.com\/financial-services)\n  - [Wealth Management](https:\/\/www.fbfs.com\/financial-services\/wealth-management)\n  - [Investments](https:\/\/www.fbfs.com\/financial-services\/investments)\n  - [Planning Services](https:\/\/www.fbfs.com\/financial-services\/planning)\n\n- [Quick Links for Client\/Members](https:\/\/login.fbfs.com\/)\n  - [Overview](https:\/\/login.fbfs.com\/)\n  - [Log In\/Register](https:\/\/login.fbfs.com\/%20)\n  - [Email Preferences](https:\/\/login.fbfs.com\/preferences%20)\n  - [Pay Bill](https:\/\/www.fbfs.com\/pay-bill)\n  - [View Your Statement](https:\/\/login.fbfs.com\/)\n  - [Report a Claim](https:\/\/www.fbfs.com\/claims-center\/faqs)\n  - [Track a Claim](https:\/\/login.fbfs.com\/claims\/overview)\n  - [Get Insurance Cards](https:\/\/login.fbfs.com\/)\n  - [Variable Product Documents](https:\/\/www.fbfs.com\/variable-product-documents)\n\n- [About Us](https:\/\/www.fbfs.com\/about-us)\n  - [Overview](https:\/\/www.fbfs.com\/about-us)\n  - [Company Information](https:\/\/www.fbfs.com\/about-us\/company-information)\n  - [Membership](https:\/\/www.fbfs.com\/about-us\/membership-information)\n  - [Newsroom](https:\/\/www.fbfs.com\/about-us\/newsroom)\n\n- [Career Center](https:\/\/www.fbfs.com\/career-center)\n  - [Overview](https:\/\/www.fbfs.com\/career-center)\n  - [Become an Agent](https:\/\/www.beafarmbureauagent.com\/)\n  - [Become an Advisor](https:\/\/www.beafarmbureauwma.com\/)\n\n- [Find an Agent or Advisor](https:\/\/www.fbfs.com\/find-an-agent)\n  - [Overview](https:\/\/www.fbfs.com\/find-an-agent)\n  - [Get a Quote](https:\/\/www.fbfs.com\/request-a-quote)\n  - [FAQs](https:\/\/www.fbfs.com\/faqs)\n  - [Contact Us](https:\/\/www.fbfs.com\/contact-us)\n\n[OUTSIDE US](https:\/\/www.fbfs.com\/learning-center\/kinds-of-insurance-coverage-everyone-should-have#change-location)\n\n# Select Your Location\nThis helps us display relevant information based on your area.\n\n**Download the FB Member Benefits App**\n\n[![Google Play Download App](https:\/\/www.fbfs.com\/content\/images\/custom\/google-play-badge.png)](https:\/\/play.google.com\/store\/apps\/details?id=com.fbfs.mobile)\n\n[![Apple Store Download App](https:\/\/www.fbfs.com\/content\/images\/custom\/apple-play-store.png)](https:\/\/apps.apple.com\/us\/app\/farm-bureau-financial-services\/id1454047628)\n\n**Securities & services offered through FBL Marketing Services, LLC+, 5400 University Ave., West Des Moines, IA 50266, [877\/860-2904](tel:8778602904), [Member SIPC](https:\/\/www.sipc.org\/).** Advisory services offered through FBL Wealth Management, LLC+.  \n   \n Individual must be a registered representative of FBL Marketing Services, LLC or an investment adviser representative with FBL Wealth Management, LLC+ to discuss securities products. Individual must be released by FBL Wealth Management, LLC to offer advisory services.  \n   \n View our [**Form CRS and Important Investment Disclosures**](https:\/\/www.fbfs.com\/financial-services\/investments\/important-disclosures)**.**   \n   \n Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+\\* and Western Agricultural Insurance Company+\\*\/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT. Fixed life insurance and annuity products are offered through Farm Bureau Life Insurance Company+\\*\/West Des Moines, IA and are intended for residents of AZ, IA, ID, KS, MN, MT, ND, NE, NM, OK, SD, UT, WI and WY. Individual must be licensed with issuing company to offer insurance products.  \n   \n IMPORTANT: The information and material contained on this website is not an offer to sell or a solicitation to buy any security or any insurance product in any jurisdiction. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Not all products are available in all states. Exclusions, limitations and reductions may apply. This website briefly highlights Farm Bureau's insurance policies and their benefits. The contract is contained only in the policy.  \n   \n +Affiliates \\*Company providers of Farm Bureau Financial Services.\n\n[![Check the background of this firm, go to BrokerCheck Site](https:\/\/www.fbfs.com\/content\/images\/custom\/BC_firm_badge_color.jpeg)](https:\/\/brokercheck.finra.org\/firm\/5309)\n\n- © 2026\n- [FBL Financial Group, Inc](https:\/\/www.fbfs.com\/learning-center\/kinds-of-insurance-coverage-everyone-should-have)\n- [Terms & Conditions](https:\/\/www.fbfs.com\/terms-and-conditions)\n- [Privacy Policy](https:\/\/www.fbfs.com\/privacy-and-security)\n- [Sitemap](https:\/\/www.fbfs.com\/sitemap)\n\n✓\n\nThanks for sharing\\!\n\n[AddToAny](https:\/\/www.addtoany.com\/ \"Share Buttons\")\n\n[More…](https:\/\/www.fbfs.com\/learning-center\/kinds-of-insurance-coverage-everyone-should-have#addtoany \"Show all\")\n\n![](https:\/\/www.facebook.com\/tr?id=1160952077250702&ev=PageView&noscript=1)","attrs_readable_markdown":"Insurance is a crucial way to protect yourself and your family when life throws you a curveball. Most people may need these five different types of insurance. Are you covered?\n\n### 1\\. Auto Insurance\nIf you own a car, you will want to have [auto insurance](https:\/\/www.fbfs.com\/insurance\/auto-insurance). If you have an auto loan, it’s possible your bank may require a minimum amount of coverage. State laws also often mandate what you need in terms of auto insurance.\n\nEven if you’re driving an inexpensive car, don’t assume you don’t need auto insurance. Auto insurance doesn’t just cover damage to your vehicle; it may cover damage to other vehicles as well as medical and legal expenses for people injured in accidents.\n\nIf you don’t own a car but often borrow someone’s car and they have minimal insurance, or if you frequently rent cars, you may want to look into non-owner car insurance. You may be required to have non-owner car insurance if you’ve been convicted of a major traffic offense.\n\n### 2\\. Homeowners or Renters Insurance\n[Homeowners insurance](https:\/\/www.fbfs.com\/insurance\/home-and-property-insurance\/homeowners) is a must if you own your home. To take out a mortgage, you’ll likely have to show proof of homeowners insurance coverage. These policies protect what may be your biggest investment from the expenses of repairs after natural disasters, theft or accidents. Homeowners insurance covers the structure as well as your possessions.\n\n[Renters insurance](https:\/\/www.fbfs.com\/insurance\/home-and-property-insurance\/renters) is similar to homeowners insurance, but it only covers your possessions since you aren’t responsible for the plumbing, electrical, structure and more in a rental unit. You might think you don’t need renters insurance, but what if a fire destroys everything in your rental unit? The cost of replacing your clothing, electronics, furniture, sports equipment, household items and more would add up quickly.\n\n### 3\\. Health Insurance\nEven if you’re young, healthy and following good lifestyle habits, [health insurance](https:\/\/www.fbfs.com\/insurance\/health-insurance) is important. There’s no guarantee that you won’t get sick or hurt, and treatment for a serious illness like cancer or injuries from an accident could cost hundreds of thousands of dollars. You may be able to get health insurance through your employer or through plans offered through the Affordable Care Act.\n\n### 4\\. Life Insurance\nIf you have people who depend on your income, [life insurance](https:\/\/www.fbfs.com\/insurance\/life-insurance) is a great safety net. With life insurance, those who rely on your income can still meet their needs if something happens to you and your paycheck isn’t coming in.\n\nIf you have young children and you stay home with them, getting life insurance is a wise choice. If something happens to you, your partner will be faced with the costs of childcare and the other responsibilities you handle.\n\nEven if you’re single and don’t have children, you may want to have a life insurance policy to cover funeral expenses so your loved ones don’t have to pay for them. You might also choose to [purchase life insurance when you’re younger](https:\/\/www.fbfs.com\/learning-center\/8-factors-that-can-affect-life-insurance-premiums) because your options will probably be more affordable.\n\n### 5\\. Disability Insurance\nWhat would happen if you couldn’t work? [Disability insurance](https:\/\/www.fbfs.com\/insurance\/health-insurance\/disability-income) may provide you income if an illness or injury keeps you from performing your job.\n\nIf people depend on your income, you probably need disability insurance. Even if nobody relies on you financially, if you’re self-employed or if you own a small business, this coverage can provide you with the safety net that might come with a corporate job.\n\nIf you have disability insurance through your employer, make sure to check the limits. You may require additional coverage to meet your needs.\n\n#### Ask for Help\nWhen you’re asking yourself, “What insurance do I need?” the options can seem overwhelming. A [Farm Bureau insurance agent](https:\/\/www.fbfs.com\/find-an-agent) can sit down with you, review your current situation, plans and goals, and recommend the coverage that’s right for you. 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Essential Insurance Coverage for You and Your Family | Farm Bureau Financial Services

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Learn about the 5 essential types of insurance: auto, home, health, life and disability. Protect yourself and your family with the right coverage for peace of mind.

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Insurance is a crucial way to protect yourself and your family when life throws you a curveball. Most people may need these five different types of insurance. Are you covered? 1. Auto Insurance If you own a car, you will want to have auto insurance . If you have an auto loan, it’s possible your bank may require a minimum amount of coverage. State laws also often mandate what you need in terms of auto insurance. Even if you’re driving an inexpensive car, don’t assume you don’t need auto insurance. Auto insurance doesn’t just cover damage to your vehicle; it may cover damage to other vehicles as well as medical and legal expenses for people injured in accidents. If you don’t own a car but often borrow someone’s car and they have minimal insurance, or if you frequently rent cars, you may want to look into non-owner car insurance. You may be required to have non-owner car insurance if you’ve been convicted of a major traffic offense. 2. Homeowners or Renters Insurance Homeowners insurance is a must if you own your home. To take out a mortgage, you’ll likely have to show proof of homeowners insurance coverage. These policies protect what may be your biggest investment from the expenses of repairs after natural disasters, theft or accidents. Homeowners insurance covers the structure as well as your possessions. Renters insurance is similar to homeowners insurance, but it only covers your possessions since you aren’t responsible for the plumbing, electrical, structure and more in a rental unit. You might think you don’t need renters insurance, but what if a fire destroys everything in your rental unit? The cost of replacing your clothing, electronics, furniture, sports equipment, household items and more would add up quickly. 3. Health Insurance Even if you’re young, healthy and following good lifestyle habits, health insurance is important. There’s no guarantee that you won’t get sick or hurt, and treatment for a serious illness like cancer or injuries from an accident could cost hundreds of thousands of dollars. You may be able to get health insurance through your employer or through plans offered through the Affordable Care Act. 4. Life Insurance If you have people who depend on your income, life insurance is a great safety net. With life insurance, those who rely on your income can still meet their needs if something happens to you and your paycheck isn’t coming in. If you have young children and you stay home with them, getting life insurance is a wise choice. If something happens to you, your partner will be faced with the costs of childcare and the other responsibilities you handle. Even if you’re single and don’t have children, you may want to have a life insurance policy to cover funeral expenses so your loved ones don’t have to pay for them. You might also choose to purchase life insurance when you’re younger because your options will probably be more affordable. 5. Disability Insurance What would happen if you couldn’t work? Disability insurance may provide you income if an illness or injury keeps you from performing your job. If people depend on your income, you probably need disability insurance. Even if nobody relies on you financially, if you’re self-employed or if you own a small business, this coverage can provide you with the safety net that might come with a corporate job. If you have disability insurance through your employer, make sure to check the limits. You may require additional coverage to meet your needs. Ask for Help When you’re asking yourself, “What insurance do I need?” the options can seem overwhelming. A Farm Bureau insurance agent can sit down with you, review your current situation, plans and goals, and recommend the coverage that’s right for you. Reach out for a conversation today.

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Use Tab to access the results. - [Home](https://www.fbfs.com/) - [Learning Center](https://www.fbfs.com/learning-center) - Essential Insurance Coverage for You... # 5 Kinds of Insurance Coverage Everyone Should Have Apr 18, 2025 2 min read - [Share to Facebook](https://www.fbfs.com/#facebook) - [Share to Twitter](https://www.fbfs.com/#twitter) - [Share to LinkedIn](https://www.fbfs.com/#linkedin) - [Share by email](https://www.fbfs.com/#email) - [Print](https://www.fbfs.com/#print) ![](https://www.fbfs.com/optimize/getmedia/fd299b67-98d1-4153-974b-4ea30b694b3f/LCArticle_5InsurancePoliciesEveryoneShouldHave.jpg?width=612&height=408&ext=.jpg&format=webp) Insurance is a crucial way to protect yourself and your family when life throws you a curveball. Most people may need these five different types of insurance. Are you covered? ### 1\. Auto Insurance If you own a car, you will want to have [auto insurance](https://www.fbfs.com/insurance/auto-insurance). If you have an auto loan, it’s possible your bank may require a minimum amount of coverage. State laws also often mandate what you need in terms of auto insurance. Even if you’re driving an inexpensive car, don’t assume you don’t need auto insurance. Auto insurance doesn’t just cover damage to your vehicle; it may cover damage to other vehicles as well as medical and legal expenses for people injured in accidents. If you don’t own a car but often borrow someone’s car and they have minimal insurance, or if you frequently rent cars, you may want to look into non-owner car insurance. You may be required to have non-owner car insurance if you’ve been convicted of a major traffic offense. ### 2\. Homeowners or Renters Insurance [Homeowners insurance](https://www.fbfs.com/insurance/home-and-property-insurance/homeowners) is a must if you own your home. To take out a mortgage, you’ll likely have to show proof of homeowners insurance coverage. These policies protect what may be your biggest investment from the expenses of repairs after natural disasters, theft or accidents. Homeowners insurance covers the structure as well as your possessions. [Renters insurance](https://www.fbfs.com/insurance/home-and-property-insurance/renters) is similar to homeowners insurance, but it only covers your possessions since you aren’t responsible for the plumbing, electrical, structure and more in a rental unit. You might think you don’t need renters insurance, but what if a fire destroys everything in your rental unit? The cost of replacing your clothing, electronics, furniture, sports equipment, household items and more would add up quickly. ### 3\. Health Insurance Even if you’re young, healthy and following good lifestyle habits, [health insurance](https://www.fbfs.com/insurance/health-insurance) is important. There’s no guarantee that you won’t get sick or hurt, and treatment for a serious illness like cancer or injuries from an accident could cost hundreds of thousands of dollars. You may be able to get health insurance through your employer or through plans offered through the Affordable Care Act. ### 4\. Life Insurance If you have people who depend on your income, [life insurance](https://www.fbfs.com/insurance/life-insurance) is a great safety net. With life insurance, those who rely on your income can still meet their needs if something happens to you and your paycheck isn’t coming in. If you have young children and you stay home with them, getting life insurance is a wise choice. If something happens to you, your partner will be faced with the costs of childcare and the other responsibilities you handle. Even if you’re single and don’t have children, you may want to have a life insurance policy to cover funeral expenses so your loved ones don’t have to pay for them. You might also choose to [purchase life insurance when you’re younger](https://www.fbfs.com/learning-center/8-factors-that-can-affect-life-insurance-premiums) because your options will probably be more affordable. ### 5\. Disability Insurance What would happen if you couldn’t work? [Disability insurance](https://www.fbfs.com/insurance/health-insurance/disability-income) may provide you income if an illness or injury keeps you from performing your job. If people depend on your income, you probably need disability insurance. Even if nobody relies on you financially, if you’re self-employed or if you own a small business, this coverage can provide you with the safety net that might come with a corporate job. If you have disability insurance through your employer, make sure to check the limits. You may require additional coverage to meet your needs. #### Ask for Help When you’re asking yourself, “What insurance do I need?” the options can seem overwhelming. A [Farm Bureau insurance agent](https://www.fbfs.com/find-an-agent) can sit down with you, review your current situation, plans and goals, and recommend the coverage that’s right for you. Reach out for a conversation today. ### Want to learn more? Contact a local FBFS agent or advisor for answers personalized to you. [Find an Agent or Advisor](https://www.fbfs.com/find-an-agent) ## Want to learn more? Contact a local FBFS agent or advisor for answers personalized to you. 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Individual must be a registered representative of FBL Marketing Services, LLC or an investment adviser representative with FBL Wealth Management, LLC+ to discuss securities products. Individual must be released by FBL Wealth Management, LLC to offer advisory services. View our [**Form CRS and Important Investment Disclosures**](https://www.fbfs.com/financial-services/investments/important-disclosures)**.** Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+\* and Western Agricultural Insurance Company+\*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT. Fixed life insurance and annuity products are offered through Farm Bureau Life Insurance Company+\*/West Des Moines, IA and are intended for residents of AZ, IA, ID, KS, MN, MT, ND, NE, NM, OK, SD, UT, WI and WY. Individual must be licensed with issuing company to offer insurance products. IMPORTANT: The information and material contained on this website is not an offer to sell or a solicitation to buy any security or any insurance product in any jurisdiction. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Not all products are available in all states. Exclusions, limitations and reductions may apply. This website briefly highlights Farm Bureau's insurance policies and their benefits. The contract is contained only in the policy. +Affiliates \*Company providers of Farm Bureau Financial Services. 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Readable Markdown

Insurance is a crucial way to protect yourself and your family when life throws you a curveball. Most people may need these five different types of insurance. Are you covered? ### 1\. Auto Insurance If you own a car, you will want to have [auto insurance](https://www.fbfs.com/insurance/auto-insurance). If you have an auto loan, it’s possible your bank may require a minimum amount of coverage. State laws also often mandate what you need in terms of auto insurance. Even if you’re driving an inexpensive car, don’t assume you don’t need auto insurance. Auto insurance doesn’t just cover damage to your vehicle; it may cover damage to other vehicles as well as medical and legal expenses for people injured in accidents. If you don’t own a car but often borrow someone’s car and they have minimal insurance, or if you frequently rent cars, you may want to look into non-owner car insurance. You may be required to have non-owner car insurance if you’ve been convicted of a major traffic offense. ### 2\. Homeowners or Renters Insurance [Homeowners insurance](https://www.fbfs.com/insurance/home-and-property-insurance/homeowners) is a must if you own your home. To take out a mortgage, you’ll likely have to show proof of homeowners insurance coverage. These policies protect what may be your biggest investment from the expenses of repairs after natural disasters, theft or accidents. Homeowners insurance covers the structure as well as your possessions. [Renters insurance](https://www.fbfs.com/insurance/home-and-property-insurance/renters) is similar to homeowners insurance, but it only covers your possessions since you aren’t responsible for the plumbing, electrical, structure and more in a rental unit. You might think you don’t need renters insurance, but what if a fire destroys everything in your rental unit? The cost of replacing your clothing, electronics, furniture, sports equipment, household items and more would add up quickly. ### 3\. Health Insurance Even if you’re young, healthy and following good lifestyle habits, [health insurance](https://www.fbfs.com/insurance/health-insurance) is important. There’s no guarantee that you won’t get sick or hurt, and treatment for a serious illness like cancer or injuries from an accident could cost hundreds of thousands of dollars. You may be able to get health insurance through your employer or through plans offered through the Affordable Care Act. ### 4\. Life Insurance If you have people who depend on your income, [life insurance](https://www.fbfs.com/insurance/life-insurance) is a great safety net. With life insurance, those who rely on your income can still meet their needs if something happens to you and your paycheck isn’t coming in. If you have young children and you stay home with them, getting life insurance is a wise choice. If something happens to you, your partner will be faced with the costs of childcare and the other responsibilities you handle. Even if you’re single and don’t have children, you may want to have a life insurance policy to cover funeral expenses so your loved ones don’t have to pay for them. You might also choose to [purchase life insurance when you’re younger](https://www.fbfs.com/learning-center/8-factors-that-can-affect-life-insurance-premiums) because your options will probably be more affordable. ### 5\. Disability Insurance What would happen if you couldn’t work? [Disability insurance](https://www.fbfs.com/insurance/health-insurance/disability-income) may provide you income if an illness or injury keeps you from performing your job. If people depend on your income, you probably need disability insurance. Even if nobody relies on you financially, if you’re self-employed or if you own a small business, this coverage can provide you with the safety net that might come with a corporate job. If you have disability insurance through your employer, make sure to check the limits. You may require additional coverage to meet your needs. #### Ask for Help When you’re asking yourself, “What insurance do I need?” the options can seem overwhelming. A [Farm Bureau insurance agent](https://www.fbfs.com/find-an-agent) can sit down with you, review your current situation, plans and goals, and recommend the coverage that’s right for you. Reach out for a conversation today.

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2025-04-18 05:11:23 (1 year ago)

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