🕷️ Crawler Inspector

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Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 163 (from laksa132)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa163.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 FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.foxbusiness.com/personal-finance/insurance-policies-coverage-types\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.foxbusiness.com/personal-finance/insurance-policies-coverage-types\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.foxbusiness.com\/personal-finance\/insurance-policies-coverage-types","crawl_time":1775594148,"first_indexed_time":1687960750,"http_code":200,"src_unparsed":"com,foxbusiness!www,\/personal-finance\/insurance-policies-coverage-types s443","src_root_hash":"11899573368979483563","history_drop_reason":null,"meta_title":"Insurance policies and coverage: Which should you consider and which can you skip over? | Fox Business","meta_descriptions":["With all the different kinds of insurance available, there are some core types to consider as early as you can to protect yourself against any unexpected events that come your way."],"attrs_boilerpipe_text":"There are so many\ntypes of insurance\nthat it can be difficult to sort through which are vital to purchase and which may not be as urgent.\nDepending on the type of insurance and kind of coverage you need, there are a number of policies to look into. It is important to understand all available options to make the best choice for you and your family.\nBelow is a line-up of popular types of insurance to consider if you do not already have them.\nTravel insurance isn't as important as other insurance types but helpful if you are a frequent flier or travel out of the country often.\n(Nicolas Economou\/NurPhoto via Getty Images \/ Getty Images)\nTHESE TWO FACTORS COULD BE DRIVING YOUR CAR INSURANCE COSTS UP\nLife insurance\nAuto insurance\nHomeowners\/renters insurance\nHealth insurance\n1. Life insurance \nLife insurance is one of the most important insurance types, yet many Americans have never purchased it. In fact, only 54% of Americans have life insurance, according to the Insurance Information Institute.\nLife insurance is used to assist your family with expenses in the case of your death. Most employers offer group-term life insurance as a benefit of working for them. Life insurance through an employer is often easier to obtain as they do not require a health check up to receive insurance. Additionally, life insurance through work is cheaper.\nA caveat to employer-sponsored life insurance is that if you leave the company or get fired, you likely no longer have insurance. This is the case unless you have the option to port, or buy, your insurance.\n2. Auto insurance \nIf you have a vehicle that you are taking out on the road, that vehicle has to be insured in most states.\nNew Hampshire is the only state\nin the U.S. that does not require drivers to have a basic plan. \nAuto insurance is priced differently through each company. Before buying auto insurance, do your homework and consider the cost for each company.\nAuto insurance is required in most U.S. states.\n(Jonas Walzberg\/picture alliance via Getty Images \/ Getty Images)\nCOMPARING CAR INSURANCE QUOTES CAN SAVE YOU HUNDREDS OF DOLLARS PER YEAR-HERE'S WHY\nIt is illegal to drive without\nauto insurance\nin most states, and purchasing car insurance will save you big in case of an accident. Often, whether an accident is your fault or not, the cost to repair a car or even purchase another one is pricey. Purchasing auto insurance will assist you later in paying for the expenses associated with an accident.\nSome types of insurance coverages associated with cars include liability, personal injury protection, medical payments, comprehensive, collision, uninsured and underinsured motorist.\nThe cost of an individual's auto insurance depends on several factors, including the location you reside in, your driving history, your driving habits, demographics like your age, deductibles and limits.\nDiscounts for auto insurance are available if you bundle insurances types through a company. For example, bundling your car, home and business insurance through the same agency can lessen the cost of all three insurances by having multiple policies.\nOther savings for auto insurance include maintaining a clean driving record, being a good student, loyalty discounts, discounts from an automatic seatbelt, pay-in-full discounts, going paperless and so many more.\n3. Homeowners\/renters insurance \nHomeowners insurance\nis important in the case that something unexpected happens to your home, and you are in need of repairs or replacements. Homeowners insurance may be used is in the case of a fire, an accident or a break in. Avoid breaking the bank in any of these situations and obtain homeowners insurance.\nWith homeowners insurance, policies include dwelling coverage, other structures coverage, personal property coverage, loss of use coverage, liability coverage and medical payments' coverage. \nIf you are renting an apartment, you can purchase\nrenters insurance\nto protect your belongings in a disaster or incident of theft. Renters insurance also helps pay for expenses that may arise if your apartment becomes unlivable like in a leak that floods your apartment or a natural disaster like a hurricane or tornado. \nSome of the standard coverages for renters insurance are personal property coverage, personal liability coverage and loss of use coverage. When disaster strikes, you are going to be grateful that you have renters insurance.\nHaving homeowners insurance can save you a lot of money if something were to happen to your home.\n(Jim Lane\/Education Images\/Universal Images Group via Getty Images \/ Getty Images)\nFLOOD INSURANCE: WHY YOU SHOULD CONSIDER FLOOD INSURANCE DURING SPRING\n4. Health insurance\nMedical bills are known to pile high, but\nhealth insurance\ncan assist with unexpected costs that accrue in a medical emergency or a planned event like a surgery or birth. \nMedical debt can often be a major expense for Americans. In the U.S. as of 2023, medical debt is up to $195 billion collectively. \nAccording to Lending Tree, 23% of Americans are currently dealing with medical debt, while 45% have been bogged down by it at some point in their lives.\nHealth insurance can also be used for more minor medical expenses like appointments and copay, purchasing medications or medical equipment like crutches or bandages and more. All of these items add up over time when paying out-of-pocket.\nHealth insurance can help against expensive medical bills.\n(CHARLY TRIBALLEAU\/AFP via Getty Images \/ Getty Images)\nOther types of insurance to consider: \n1.\nTravel insurance\nTravel insurance protects against any financial losses that happen during travel. If your trip is canceled due to a medical emergency, like a stroke or heart attack, you can recover some or all of the cost. \nOther reasons to purchase travel insurance are for refunds in case of cancelations or lost luggage. While you should purchase travel insurance as soon as your book your trip, you can add it after you have booked your flight. In order to maximize your coverage, you should purchase it 14–15 days before you travel.\nYou cannot purchase travel insurance after an incident has happened. \n2. Long-term disability insurance\nLong-term disability insurance protects you from losing income in case of an injury or illness that prevents you from being able to work for an extended period of time. This type of insurance is also beneficial for expecting mothers who do not receive enough maternity leave or become ill following birth.\n3. Long-term care insurance\nLong-term care insurance is mostly considered by those of elder age as it financially assists individuals in need of nursing home care. If you are no longer able to care for yourself, long-term care insurance might be necessary for you.\nIS LONG-TERM CARE INSURANCE A GOOD BET?\n4. Identity theft protection\nIdentify theft protection\nis for those who fall victim to identify theft. When an incident of identity theft happens, individuals with this type of insurance will be assisted financially with the costs associated with recovering their identity.\nAs more people use technology and tech becomes more advanced, individuals are at greater risk of identity theft. In addition to identity theft protection, you should regularly change your passwords and avoid maintaining the same login information for accounts with personal information.\nGET FOX BUSINESS ON THE GO BY CLICKING HERE\n5. Umbrella insurance\nUmbrella insurance is an extra layer of insurance and protection that goes beyond the available policy. If you have acquired major assets, you might want to\nconsider umbrella insurance.\nBeware that the more assets you have, the more costly the coverage will be.","attrs_markdown":"[Fox Business](https:\/\/www.foxbusiness.com\/)\n\n- [Personal Finance](https:\/\/www.foxbusiness.com\/personal-finance)\n  - [Mortgages](https:\/\/www.foxbusiness.com\/category\/mortgage)\n  - [Student Loans](https:\/\/www.foxbusiness.com\/category\/student-loans)\n  - [Credit Cards](https:\/\/www.foxbusiness.com\/category\/credit-cards)\n  - [Personal Loans](https:\/\/www.foxbusiness.com\/category\/personal-loans)\n  - [Savings](https:\/\/www.foxbusiness.com\/category\/savings)\n  - [Insurance](https:\/\/www.foxbusiness.com\/category\/insurance)\n  - [401k](https:\/\/www.foxbusiness.com\/category\/401k)\n  - [Retirement](https:\/\/www.foxbusiness.com\/category\/modern-retirement)\n  - [Tax Planning](https:\/\/www.foxbusiness.com\/category\/tax-planning)\n- [Economy](https:\/\/www.foxbusiness.com\/economy)\n  - 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[Facebook](https:\/\/www.foxbusiness.com\/personal-finance\/insurance-policies-coverage-types)\n- [Twitter](https:\/\/www.foxbusiness.com\/personal-finance\/insurance-policies-coverage-types)\n- [Threads](https:\/\/www.foxbusiness.com\/personal-finance\/insurance-policies-coverage-types)\n- [Print](https:\/\/www.foxbusiness.com\/personal-finance\/insurance-policies-coverage-types)\n- [Email](https:\/\/www.foxbusiness.com\/personal-finance\/insurance-policies-coverage-types)\n- [Add Fox Business on Google](https:\/\/www.foxbusiness.com\/personal-finance\/insurance-policies-coverage-types)\n\nBy  [Ashlyn Messier](https:\/\/www.foxbusiness.com\/person\/m\/ashlyn-messier) , [Gabriele Regalbuto](https:\/\/www.foxbusiness.com\/person\/r\/gabriele-regalbuto)  [FOXBusiness](https:\/\/www.foxbusiness.com\/)\n\n[close](https:\/\/www.foxbusiness.com\/personal-finance\/insurance-policies-coverage-types)\n\n## [Breakthrough cancer treatment is not something insurance will cover: Dr. Marc Siegel](https:\/\/www.foxbusiness.com\/video\/6328546171112)\nFox News medical contributor Dr. Marc Siegel joined ‘Mornings with Maria’ to discuss the Israeli cancer treatment that is reporting a 90% success rate.\n\nThere are so many [types of insurance](https:\/\/www.foxbusiness.com\/category\/insurance) that it can be difficult to sort through which are vital to purchase and which may not be as urgent.\n\nDepending on the type of insurance and kind of coverage you need, there are a number of policies to look into. It is important to understand all available options to make the best choice for you and your family.\n\nBelow is a line-up of popular types of insurance to consider if you do not already have them.\n\nTravel insurance isn't as important as other insurance types but helpful if you are a frequent flier or travel out of the country often. (Nicolas Economou\/NurPhoto via Getty Images \/ Getty Images)\n\n[**THESE TWO FACTORS COULD BE DRIVING YOUR CAR INSURANCE COSTS UP**](https:\/\/www.foxbusiness.com\/personal-finance\/cheaper-car-insurance-zip-codes-credit-score)\n\n1. Life insurance\n2. Auto insurance\n3. Homeowners\/renters insurance\n4. Health insurance\n### **1\\. Life insurance**\nLife insurance is one of the most important insurance types, yet many Americans have never purchased it. In fact, only 54% of Americans have life insurance, according to the Insurance Information Institute.\n\nLife insurance is used to assist your family with expenses in the case of your death. Most employers offer group-term life insurance as a benefit of working for them. Life insurance through an employer is often easier to obtain as they do not require a health check up to receive insurance. Additionally, life insurance through work is cheaper.\n\nA caveat to employer-sponsored life insurance is that if you leave the company or get fired, you likely no longer have insurance. This is the case unless you have the option to port, or buy, your insurance.\n\n### **2\\. Auto insurance**\nIf you have a vehicle that you are taking out on the road, that vehicle has to be insured in most states. [New Hampshire is the only state](https:\/\/www.foxnews.com\/category\/us\/us-regions\/northeast\/new-hampshire) in the U.S. that does not require drivers to have a basic plan.\n\nAuto insurance is priced differently through each company. Before buying auto insurance, do your homework and consider the cost for each company.\n\nAuto insurance is required in most U.S. states. (Jonas Walzberg\/picture alliance via Getty Images \/ Getty Images)\n\n[**COMPARING CAR INSURANCE QUOTES CAN SAVE YOU HUNDREDS OF DOLLARS PER YEAR-HERE'S WHY**](https:\/\/www.foxbusiness.com\/personal-finance\/comparing-car-insurance-quotes-savings)\n\nIt is illegal to drive without [auto insurance](https:\/\/www.foxbusiness.com\/personal-finance\/auto-insurance-basics) in most states, and purchasing car insurance will save you big in case of an accident. Often, whether an accident is your fault or not, the cost to repair a car or even purchase another one is pricey. Purchasing auto insurance will assist you later in paying for the expenses associated with an accident.\n\nSome types of insurance coverages associated with cars include liability, personal injury protection, medical payments, comprehensive, collision, uninsured and underinsured motorist.\n\nThe cost of an individual's auto insurance depends on several factors, including the location you reside in, your driving history, your driving habits, demographics like your age, deductibles and limits.\n\nDiscounts for auto insurance are available if you bundle insurances types through a company. For example, bundling your car, home and business insurance through the same agency can lessen the cost of all three insurances by having multiple policies.\n\nOther savings for auto insurance include maintaining a clean driving record, being a good student, loyalty discounts, discounts from an automatic seatbelt, pay-in-full discounts, going paperless and so many more.\n\n### **3\\. Homeowners\/renters insurance**\n[Homeowners insurance](https:\/\/www.foxbusiness.com\/personal-finance\/homeowners-insurance-guide) is important in the case that something unexpected happens to your home, and you are in need of repairs or replacements. Homeowners insurance may be used is in the case of a fire, an accident or a break in. Avoid breaking the bank in any of these situations and obtain homeowners insurance.\n\nWith homeowners insurance, policies include dwelling coverage, other structures coverage, personal property coverage, loss of use coverage, liability coverage and medical payments' coverage.\n\nIf you are renting an apartment, you can purchase [renters insurance](https:\/\/www.foxbusiness.com\/personal-finance\/what-does-renters-insurance-cover) to protect your belongings in a disaster or incident of theft. Renters insurance also helps pay for expenses that may arise if your apartment becomes unlivable like in a leak that floods your apartment or a natural disaster like a hurricane or tornado.\n\nSome of the standard coverages for renters insurance are personal property coverage, personal liability coverage and loss of use coverage. When disaster strikes, you are going to be grateful that you have renters insurance.\n\nHaving homeowners insurance can save you a lot of money if something were to happen to your home. (Jim Lane\/Education Images\/Universal Images Group via Getty Images \/ Getty Images)\n\n[**FLOOD INSURANCE: WHY YOU SHOULD CONSIDER FLOOD INSURANCE DURING SPRING**](https:\/\/www.foxbusiness.com\/financials\/flood-insurance-should-consider-flood-insurance-spring)\n\n### **4\\. Health insurance**\nMedical bills are known to pile high, but [health insurance](https:\/\/www.foxbusiness.com\/markets\/how-to-shop-for-health-insurance.amp) can assist with unexpected costs that accrue in a medical emergency or a planned event like a surgery or birth.\n\nMedical debt can often be a major expense for Americans. In the U.S. as of 2023, medical debt is up to \\$195 billion collectively.\n\nAccording to Lending Tree, 23% of Americans are currently dealing with medical debt, while 45% have been bogged down by it at some point in their lives.\n\nHealth insurance can also be used for more minor medical expenses like appointments and copay, purchasing medications or medical equipment like crutches or bandages and more. All of these items add up over time when paying out-of-pocket.\n\nHealth insurance can help against expensive medical bills. (CHARLY TRIBALLEAU\/AFP via Getty Images \/ Getty Images)\n\n**Other types of insurance to consider:**\n\n**1\\.** [**Travel insurance**](https:\/\/www.foxbusiness.com\/financials\/travel-insurance-purchase-insurance-probably-dont-need-consider-it)\n\nTravel insurance protects against any financial losses that happen during travel. If your trip is canceled due to a medical emergency, like a stroke or heart attack, you can recover some or all of the cost.\n\nOther reasons to purchase travel insurance are for refunds in case of cancelations or lost luggage. While you should purchase travel insurance as soon as your book your trip, you can add it after you have booked your flight. In order to maximize your coverage, you should purchase it 14–15 days before you travel.\n\nYou cannot purchase travel insurance after an incident has happened.\n\n**2\\. Long-term disability insurance**\n\nLong-term disability insurance protects you from losing income in case of an injury or illness that prevents you from being able to work for an extended period of time. This type of insurance is also beneficial for expecting mothers who do not receive enough maternity leave or become ill following birth.\n\n**3\\. Long-term care insurance**\n\nLong-term care insurance is mostly considered by those of elder age as it financially assists individuals in need of nursing home care. If you are no longer able to care for yourself, long-term care insurance might be necessary for you.\n\n[**IS LONG-TERM CARE INSURANCE A GOOD BET?**](https:\/\/www.foxbusiness.com\/healthcare\/is-long-term-care-insurance-good-bet)\n\n**4\\. Identity theft protection**\n\n[Identify theft protection](https:\/\/www.foxbusiness.com\/healthcare\/is-long-term-care-insurance-good-bet) is for those who fall victim to identify theft. When an incident of identity theft happens, individuals with this type of insurance will be assisted financially with the costs associated with recovering their identity.\n\nAs more people use technology and tech becomes more advanced, individuals are at greater risk of identity theft. In addition to identity theft protection, you should regularly change your passwords and avoid maintaining the same login information for accounts with personal information.\n\n[**GET FOX BUSINESS ON THE GO BY CLICKING HERE**](https:\/\/www.foxbusiness.com\/apps-products)\n\n**5\\. Umbrella insurance**\n\nUmbrella insurance is an extra layer of insurance and protection that goes beyond the available policy. If you have acquired major assets, you might want to [consider umbrella insurance.](https:\/\/www.foxbusiness.com\/features\/how-much-umbrella-insurance-coverage-for-me) Beware that the more assets you have, the more costly the coverage will be.\n\n## U.S. Stock Market Quotes\nQuotes displayed in real-time\n\nMarket Update sponsored by\n\nAdvertisement\n\nAdvertisement\n\nAdvertisement\n\n![Fox News First](https:\/\/static.foxnews.com\/foxnews.com\/content\/uploads\/2023\/09\/532x120-NEWSLETTER_BIZ-Rundown.png)\n\nArrives Weekly\n\nGet Our Newsletter\n\nGet a brief on the top business stories of the week, plus CEO interviews, market updates, tech and money news that matters to you.\n\nWe've added you to our mailing list.\n\n[Subscribe](https:\/\/www.foxbusiness.com\/personal-finance\/insurance-policies-coverage-types)\n\nBy clicking subscribe, you agree to the Fox News [Privacy Policy](https:\/\/www.foxnews.com\/privacy-policy) and [Terms of Use](https:\/\/www.foxnews.com\/terms-of-use), and agree to receive content and promotional communications from Fox News. 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[FAQ](https:\/\/help.foxbusiness.com\/hc\/en-us\/sections\/4405278462107-FAQ) - [New Privacy Policy](https:\/\/www.foxbusiness.com\/privacy-policy)\n\n![](https:\/\/smetrics.foxbusiness.com\/b\/ss\/%25OMNITURE_ACCOUNT_ID%25\/1\/H22.1--NS\/1518822074763?pageName=personal-finance:subsection:article&g=https:\/\/www.foxbusiness.com\/personal-finance\/insurance-policies-coverage-types) ![](https:\/\/secure-us.imrworldwide.com\/cgi-bin\/m?ci=us-201978h&cg=0&cc=1&si=https:\/\/www.foxbusiness.com\/personal-finance\/insurance-policies-coverage-types&ts=noscript&rnd=1518822074763) ![](https:\/\/sb.scorecardresearch.com\/p?c1=2&c2=9013181&c3=&c4=https:\/\/www.foxbusiness.com\/personal-finance\/insurance-policies-coverage-types&c5=&c6=&c15=&cv=2.2&cj=1)\n\n![](https:\/\/pix.pub\/t.png?l=foxnews-pix-fox-news-reach-and-frequency-102d3881-8893-4b5a-879d-accec2535ed1&t=386463.5108487926)","attrs_readable_markdown":"There are so many [types of insurance](https:\/\/www.foxbusiness.com\/category\/insurance) that it can be difficult to sort through which are vital to purchase and which may not be as urgent.\n\nDepending on the type of insurance and kind of coverage you need, there are a number of policies to look into. It is important to understand all available options to make the best choice for you and your family.\n\nBelow is a line-up of popular types of insurance to consider if you do not already have them.\n\nTravel insurance isn't as important as other insurance types but helpful if you are a frequent flier or travel out of the country often. (Nicolas Economou\/NurPhoto via Getty Images \/ Getty Images)\n\n[**THESE TWO FACTORS COULD BE DRIVING YOUR CAR INSURANCE COSTS UP**](https:\/\/www.foxbusiness.com\/personal-finance\/cheaper-car-insurance-zip-codes-credit-score)\n\n1. Life insurance\n2. Auto insurance\n3. Homeowners\/renters insurance\n4. Health insurance\n### **1\\. Life insurance**\nLife insurance is one of the most important insurance types, yet many Americans have never purchased it. In fact, only 54% of Americans have life insurance, according to the Insurance Information Institute.\n\nLife insurance is used to assist your family with expenses in the case of your death. Most employers offer group-term life insurance as a benefit of working for them. Life insurance through an employer is often easier to obtain as they do not require a health check up to receive insurance. Additionally, life insurance through work is cheaper.\n\nA caveat to employer-sponsored life insurance is that if you leave the company or get fired, you likely no longer have insurance. This is the case unless you have the option to port, or buy, your insurance.\n\n### **2\\. Auto insurance**\nIf you have a vehicle that you are taking out on the road, that vehicle has to be insured in most states. [New Hampshire is the only state](https:\/\/www.foxnews.com\/category\/us\/us-regions\/northeast\/new-hampshire) in the U.S. that does not require drivers to have a basic plan.\n\nAuto insurance is priced differently through each company. Before buying auto insurance, do your homework and consider the cost for each company.\n\nAuto insurance is required in most U.S. states. (Jonas Walzberg\/picture alliance via Getty Images \/ Getty Images)\n\n[**COMPARING CAR INSURANCE QUOTES CAN SAVE YOU HUNDREDS OF DOLLARS PER YEAR-HERE'S WHY**](https:\/\/www.foxbusiness.com\/personal-finance\/comparing-car-insurance-quotes-savings)\n\nIt is illegal to drive without [auto insurance](https:\/\/www.foxbusiness.com\/personal-finance\/auto-insurance-basics) in most states, and purchasing car insurance will save you big in case of an accident. Often, whether an accident is your fault or not, the cost to repair a car or even purchase another one is pricey. Purchasing auto insurance will assist you later in paying for the expenses associated with an accident.\n\nSome types of insurance coverages associated with cars include liability, personal injury protection, medical payments, comprehensive, collision, uninsured and underinsured motorist.\n\nThe cost of an individual's auto insurance depends on several factors, including the location you reside in, your driving history, your driving habits, demographics like your age, deductibles and limits.\n\nDiscounts for auto insurance are available if you bundle insurances types through a company. For example, bundling your car, home and business insurance through the same agency can lessen the cost of all three insurances by having multiple policies.\n\nOther savings for auto insurance include maintaining a clean driving record, being a good student, loyalty discounts, discounts from an automatic seatbelt, pay-in-full discounts, going paperless and so many more.\n\n### **3\\. Homeowners\/renters insurance**\n[Homeowners insurance](https:\/\/www.foxbusiness.com\/personal-finance\/homeowners-insurance-guide) is important in the case that something unexpected happens to your home, and you are in need of repairs or replacements. Homeowners insurance may be used is in the case of a fire, an accident or a break in. Avoid breaking the bank in any of these situations and obtain homeowners insurance.\n\nWith homeowners insurance, policies include dwelling coverage, other structures coverage, personal property coverage, loss of use coverage, liability coverage and medical payments' coverage.\n\nIf you are renting an apartment, you can purchase [renters insurance](https:\/\/www.foxbusiness.com\/personal-finance\/what-does-renters-insurance-cover) to protect your belongings in a disaster or incident of theft. Renters insurance also helps pay for expenses that may arise if your apartment becomes unlivable like in a leak that floods your apartment or a natural disaster like a hurricane or tornado.\n\nSome of the standard coverages for renters insurance are personal property coverage, personal liability coverage and loss of use coverage. When disaster strikes, you are going to be grateful that you have renters insurance.\n\nHaving homeowners insurance can save you a lot of money if something were to happen to your home. (Jim Lane\/Education Images\/Universal Images Group via Getty Images \/ Getty Images)\n\n[**FLOOD INSURANCE: WHY YOU SHOULD CONSIDER FLOOD INSURANCE DURING SPRING**](https:\/\/www.foxbusiness.com\/financials\/flood-insurance-should-consider-flood-insurance-spring)\n\n### **4\\. Health insurance**\nMedical bills are known to pile high, but [health insurance](https:\/\/www.foxbusiness.com\/markets\/how-to-shop-for-health-insurance.amp) can assist with unexpected costs that accrue in a medical emergency or a planned event like a surgery or birth.\n\nMedical debt can often be a major expense for Americans. In the U.S. as of 2023, medical debt is up to \\$195 billion collectively.\n\nAccording to Lending Tree, 23% of Americans are currently dealing with medical debt, while 45% have been bogged down by it at some point in their lives.\n\nHealth insurance can also be used for more minor medical expenses like appointments and copay, purchasing medications or medical equipment like crutches or bandages and more. All of these items add up over time when paying out-of-pocket.\n\nHealth insurance can help against expensive medical bills. (CHARLY TRIBALLEAU\/AFP via Getty Images \/ Getty Images)\n\n**Other types of insurance to consider:**\n\n**1\\.** [**Travel insurance**](https:\/\/www.foxbusiness.com\/financials\/travel-insurance-purchase-insurance-probably-dont-need-consider-it)\n\nTravel insurance protects against any financial losses that happen during travel. If your trip is canceled due to a medical emergency, like a stroke or heart attack, you can recover some or all of the cost.\n\nOther reasons to purchase travel insurance are for refunds in case of cancelations or lost luggage. While you should purchase travel insurance as soon as your book your trip, you can add it after you have booked your flight. In order to maximize your coverage, you should purchase it 14–15 days before you travel.\n\nYou cannot purchase travel insurance after an incident has happened.\n\n**2\\. Long-term disability insurance**\n\nLong-term disability insurance protects you from losing income in case of an injury or illness that prevents you from being able to work for an extended period of time. This type of insurance is also beneficial for expecting mothers who do not receive enough maternity leave or become ill following birth.\n\n**3\\. Long-term care insurance**\n\nLong-term care insurance is mostly considered by those of elder age as it financially assists individuals in need of nursing home care. If you are no longer able to care for yourself, long-term care insurance might be necessary for you.\n\n[**IS LONG-TERM CARE INSURANCE A GOOD BET?**](https:\/\/www.foxbusiness.com\/healthcare\/is-long-term-care-insurance-good-bet)\n\n**4\\. Identity theft protection**\n\n[Identify theft protection](https:\/\/www.foxbusiness.com\/healthcare\/is-long-term-care-insurance-good-bet) is for those who fall victim to identify theft. When an incident of identity theft happens, individuals with this type of insurance will be assisted financially with the costs associated with recovering their identity.\n\nAs more people use technology and tech becomes more advanced, individuals are at greater risk of identity theft. In addition to identity theft protection, you should regularly change your passwords and avoid maintaining the same login information for accounts with personal information.\n\n[**GET FOX BUSINESS ON THE GO BY CLICKING HERE**](https:\/\/www.foxbusiness.com\/apps-products)\n\n**5\\. Umbrella insurance**\n\nUmbrella insurance is an extra layer of insurance and protection that goes beyond the available policy. If you have acquired major assets, you might want to [consider umbrella insurance.](https:\/\/www.foxbusiness.com\/features\/how-much-umbrella-insurance-coverage-for-me) Beware that the more assets you have, the more costly the coverage will be.","meta_canonical":null}

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URL	https://www.foxbusiness.com/personal-finance/insurance-policies-coverage-types
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Meta Title	Insurance policies and coverage: Which should you consider and which can you skip over? \| Fox Business
Meta Description	With all the different kinds of insurance available, there are some core types to consider as early as you can to protect yourself against any unexpected events that come your way.
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Boilerpipe Text	There are so many types of insurance that it can be difficult to sort through which are vital to purchase and which may not be as urgent. Depending on the type of insurance and kind of coverage you need, there are a number of policies to look into. It is important to understand all available options to make the best choice for you and your family. Below is a line-up of popular types of insurance to consider if you do not already have them. Travel insurance isn't as important as other insurance types but helpful if you are a frequent flier or travel out of the country often. (Nicolas Economou/NurPhoto via Getty Images / Getty Images) THESE TWO FACTORS COULD BE DRIVING YOUR CAR INSURANCE COSTS UP Life insurance Auto insurance Homeowners/renters insurance Health insurance 1. Life insurance Life insurance is one of the most important insurance types, yet many Americans have never purchased it. In fact, only 54% of Americans have life insurance, according to the Insurance Information Institute. Life insurance is used to assist your family with expenses in the case of your death. Most employers offer group-term life insurance as a benefit of working for them. Life insurance through an employer is often easier to obtain as they do not require a health check up to receive insurance. Additionally, life insurance through work is cheaper. A caveat to employer-sponsored life insurance is that if you leave the company or get fired, you likely no longer have insurance. This is the case unless you have the option to port, or buy, your insurance. 2. Auto insurance If you have a vehicle that you are taking out on the road, that vehicle has to be insured in most states. New Hampshire is the only state in the U.S. that does not require drivers to have a basic plan. Auto insurance is priced differently through each company. Before buying auto insurance, do your homework and consider the cost for each company. Auto insurance is required in most U.S. states. (Jonas Walzberg/picture alliance via Getty Images / Getty Images) COMPARING CAR INSURANCE QUOTES CAN SAVE YOU HUNDREDS OF DOLLARS PER YEAR-HERE'S WHY It is illegal to drive without auto insurance in most states, and purchasing car insurance will save you big in case of an accident. Often, whether an accident is your fault or not, the cost to repair a car or even purchase another one is pricey. Purchasing auto insurance will assist you later in paying for the expenses associated with an accident. Some types of insurance coverages associated with cars include liability, personal injury protection, medical payments, comprehensive, collision, uninsured and underinsured motorist. The cost of an individual's auto insurance depends on several factors, including the location you reside in, your driving history, your driving habits, demographics like your age, deductibles and limits. Discounts for auto insurance are available if you bundle insurances types through a company. For example, bundling your car, home and business insurance through the same agency can lessen the cost of all three insurances by having multiple policies. Other savings for auto insurance include maintaining a clean driving record, being a good student, loyalty discounts, discounts from an automatic seatbelt, pay-in-full discounts, going paperless and so many more. 3. Homeowners/renters insurance Homeowners insurance is important in the case that something unexpected happens to your home, and you are in need of repairs or replacements. Homeowners insurance may be used is in the case of a fire, an accident or a break in. Avoid breaking the bank in any of these situations and obtain homeowners insurance. With homeowners insurance, policies include dwelling coverage, other structures coverage, personal property coverage, loss of use coverage, liability coverage and medical payments' coverage. If you are renting an apartment, you can purchase renters insurance to protect your belongings in a disaster or incident of theft. Renters insurance also helps pay for expenses that may arise if your apartment becomes unlivable like in a leak that floods your apartment or a natural disaster like a hurricane or tornado. Some of the standard coverages for renters insurance are personal property coverage, personal liability coverage and loss of use coverage. When disaster strikes, you are going to be grateful that you have renters insurance. Having homeowners insurance can save you a lot of money if something were to happen to your home. (Jim Lane/Education Images/Universal Images Group via Getty Images / Getty Images) FLOOD INSURANCE: WHY YOU SHOULD CONSIDER FLOOD INSURANCE DURING SPRING 4. Health insurance Medical bills are known to pile high, but health insurance can assist with unexpected costs that accrue in a medical emergency or a planned event like a surgery or birth. Medical debt can often be a major expense for Americans. In the U.S. as of 2023, medical debt is up to $195 billion collectively. According to Lending Tree, 23% of Americans are currently dealing with medical debt, while 45% have been bogged down by it at some point in their lives. Health insurance can also be used for more minor medical expenses like appointments and copay, purchasing medications or medical equipment like crutches or bandages and more. All of these items add up over time when paying out-of-pocket. Health insurance can help against expensive medical bills. (CHARLY TRIBALLEAU/AFP via Getty Images / Getty Images) Other types of insurance to consider: 1. Travel insurance Travel insurance protects against any financial losses that happen during travel. If your trip is canceled due to a medical emergency, like a stroke or heart attack, you can recover some or all of the cost. Other reasons to purchase travel insurance are for refunds in case of cancelations or lost luggage. While you should purchase travel insurance as soon as your book your trip, you can add it after you have booked your flight. In order to maximize your coverage, you should purchase it 14–15 days before you travel. You cannot purchase travel insurance after an incident has happened. 2. Long-term disability insurance Long-term disability insurance protects you from losing income in case of an injury or illness that prevents you from being able to work for an extended period of time. This type of insurance is also beneficial for expecting mothers who do not receive enough maternity leave or become ill following birth. 3. Long-term care insurance Long-term care insurance is mostly considered by those of elder age as it financially assists individuals in need of nursing home care. If you are no longer able to care for yourself, long-term care insurance might be necessary for you. IS LONG-TERM CARE INSURANCE A GOOD BET? 4. Identity theft protection Identify theft protection is for those who fall victim to identify theft. When an incident of identity theft happens, individuals with this type of insurance will be assisted financially with the costs associated with recovering their identity. As more people use technology and tech becomes more advanced, individuals are at greater risk of identity theft. In addition to identity theft protection, you should regularly change your passwords and avoid maintaining the same login information for accounts with personal information. GET FOX BUSINESS ON THE GO BY CLICKING HERE 5. Umbrella insurance Umbrella insurance is an extra layer of insurance and protection that goes beyond the available policy. If you have acquired major assets, you might want to consider umbrella insurance. Beware that the more assets you have, the more costly the coverage will be.
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[Add Fox Business on Google](https://www.foxbusiness.com/personal-finance/insurance-policies-coverage-types) By [Ashlyn Messier](https://www.foxbusiness.com/person/m/ashlyn-messier) , [Gabriele Regalbuto](https://www.foxbusiness.com/person/r/gabriele-regalbuto) [FOXBusiness](https://www.foxbusiness.com/) [close](https://www.foxbusiness.com/personal-finance/insurance-policies-coverage-types) ## [Breakthrough cancer treatment is not something insurance will cover: Dr. Marc Siegel](https://www.foxbusiness.com/video/6328546171112) Fox News medical contributor Dr. Marc Siegel joined ‘Mornings with Maria’ to discuss the Israeli cancer treatment that is reporting a 90% success rate. There are so many [types of insurance](https://www.foxbusiness.com/category/insurance) that it can be difficult to sort through which are vital to purchase and which may not be as urgent. Depending on the type of insurance and kind of coverage you need, there are a number of policies to look into. It is important to understand all available options to make the best choice for you and your family. Below is a line-up of popular types of insurance to consider if you do not already have them. Travel insurance isn't as important as other insurance types but helpful if you are a frequent flier or travel out of the country often. (Nicolas Economou/NurPhoto via Getty Images / Getty Images) [THESE TWO FACTORS COULD BE DRIVING YOUR CAR INSURANCE COSTS UP](https://www.foxbusiness.com/personal-finance/cheaper-car-insurance-zip-codes-credit-score) 1. Life insurance 2. Auto insurance 3. Homeowners/renters insurance 4. Health insurance ### 1\. Life insurance Life insurance is one of the most important insurance types, yet many Americans have never purchased it. In fact, only 54% of Americans have life insurance, according to the Insurance Information Institute. Life insurance is used to assist your family with expenses in the case of your death. Most employers offer group-term life insurance as a benefit of working for them. Life insurance through an employer is often easier to obtain as they do not require a health check up to receive insurance. Additionally, life insurance through work is cheaper. A caveat to employer-sponsored life insurance is that if you leave the company or get fired, you likely no longer have insurance. This is the case unless you have the option to port, or buy, your insurance. ### 2\. Auto insurance If you have a vehicle that you are taking out on the road, that vehicle has to be insured in most states. [New Hampshire is the only state](https://www.foxnews.com/category/us/us-regions/northeast/new-hampshire) in the U.S. that does not require drivers to have a basic plan. Auto insurance is priced differently through each company. Before buying auto insurance, do your homework and consider the cost for each company. Auto insurance is required in most U.S. states. (Jonas Walzberg/picture alliance via Getty Images / Getty Images) [COMPARING CAR INSURANCE QUOTES CAN SAVE YOU HUNDREDS OF DOLLARS PER YEAR-HERE'S WHY](https://www.foxbusiness.com/personal-finance/comparing-car-insurance-quotes-savings) It is illegal to drive without [auto insurance](https://www.foxbusiness.com/personal-finance/auto-insurance-basics) in most states, and purchasing car insurance will save you big in case of an accident. Often, whether an accident is your fault or not, the cost to repair a car or even purchase another one is pricey. Purchasing auto insurance will assist you later in paying for the expenses associated with an accident. Some types of insurance coverages associated with cars include liability, personal injury protection, medical payments, comprehensive, collision, uninsured and underinsured motorist. The cost of an individual's auto insurance depends on several factors, including the location you reside in, your driving history, your driving habits, demographics like your age, deductibles and limits. Discounts for auto insurance are available if you bundle insurances types through a company. For example, bundling your car, home and business insurance through the same agency can lessen the cost of all three insurances by having multiple policies. Other savings for auto insurance include maintaining a clean driving record, being a good student, loyalty discounts, discounts from an automatic seatbelt, pay-in-full discounts, going paperless and so many more. ### 3\. Homeowners/renters insurance [Homeowners insurance](https://www.foxbusiness.com/personal-finance/homeowners-insurance-guide) is important in the case that something unexpected happens to your home, and you are in need of repairs or replacements. Homeowners insurance may be used is in the case of a fire, an accident or a break in. Avoid breaking the bank in any of these situations and obtain homeowners insurance. With homeowners insurance, policies include dwelling coverage, other structures coverage, personal property coverage, loss of use coverage, liability coverage and medical payments' coverage. If you are renting an apartment, you can purchase [renters insurance](https://www.foxbusiness.com/personal-finance/what-does-renters-insurance-cover) to protect your belongings in a disaster or incident of theft. Renters insurance also helps pay for expenses that may arise if your apartment becomes unlivable like in a leak that floods your apartment or a natural disaster like a hurricane or tornado. Some of the standard coverages for renters insurance are personal property coverage, personal liability coverage and loss of use coverage. When disaster strikes, you are going to be grateful that you have renters insurance. Having homeowners insurance can save you a lot of money if something were to happen to your home. (Jim Lane/Education Images/Universal Images Group via Getty Images / Getty Images) [FLOOD INSURANCE: WHY YOU SHOULD CONSIDER FLOOD INSURANCE DURING SPRING](https://www.foxbusiness.com/financials/flood-insurance-should-consider-flood-insurance-spring) ### 4\. Health insurance Medical bills are known to pile high, but [health insurance](https://www.foxbusiness.com/markets/how-to-shop-for-health-insurance.amp) can assist with unexpected costs that accrue in a medical emergency or a planned event like a surgery or birth. Medical debt can often be a major expense for Americans. In the U.S. as of 2023, medical debt is up to \$195 billion collectively. According to Lending Tree, 23% of Americans are currently dealing with medical debt, while 45% have been bogged down by it at some point in their lives. Health insurance can also be used for more minor medical expenses like appointments and copay, purchasing medications or medical equipment like crutches or bandages and more. All of these items add up over time when paying out-of-pocket. Health insurance can help against expensive medical bills. (CHARLY TRIBALLEAU/AFP via Getty Images / Getty Images) Other types of insurance to consider: 1\. [Travel insurance](https://www.foxbusiness.com/financials/travel-insurance-purchase-insurance-probably-dont-need-consider-it) Travel insurance protects against any financial losses that happen during travel. If your trip is canceled due to a medical emergency, like a stroke or heart attack, you can recover some or all of the cost. Other reasons to purchase travel insurance are for refunds in case of cancelations or lost luggage. While you should purchase travel insurance as soon as your book your trip, you can add it after you have booked your flight. In order to maximize your coverage, you should purchase it 14–15 days before you travel. You cannot purchase travel insurance after an incident has happened. 2\. Long-term disability insurance Long-term disability insurance protects you from losing income in case of an injury or illness that prevents you from being able to work for an extended period of time. This type of insurance is also beneficial for expecting mothers who do not receive enough maternity leave or become ill following birth. 3\. Long-term care insurance Long-term care insurance is mostly considered by those of elder age as it financially assists individuals in need of nursing home care. If you are no longer able to care for yourself, long-term care insurance might be necessary for you. [IS LONG-TERM CARE INSURANCE A GOOD BET?](https://www.foxbusiness.com/healthcare/is-long-term-care-insurance-good-bet) 4\. Identity theft protection [Identify theft protection](https://www.foxbusiness.com/healthcare/is-long-term-care-insurance-good-bet) is for those who fall victim to identify theft. When an incident of identity theft happens, individuals with this type of insurance will be assisted financially with the costs associated with recovering their identity. As more people use technology and tech becomes more advanced, individuals are at greater risk of identity theft. In addition to identity theft protection, you should regularly change your passwords and avoid maintaining the same login information for accounts with personal information. [GET FOX BUSINESS ON THE GO BY CLICKING HERE](https://www.foxbusiness.com/apps-products) 5\. Umbrella insurance Umbrella insurance is an extra layer of insurance and protection that goes beyond the available policy. If you have acquired major assets, you might want to [consider umbrella insurance.](https://www.foxbusiness.com/features/how-much-umbrella-insurance-coverage-for-me) Beware that the more assets you have, the more costly the coverage will be. ## U.S. Stock Market Quotes Quotes displayed in real-time Market Update sponsored by Advertisement Advertisement Advertisement ![Fox News First](https://static.foxnews.com/foxnews.com/content/uploads/2023/09/532x120-NEWSLETTER_BIZ-Rundown.png) Arrives Weekly Get Our Newsletter Get a brief on the top business stories of the week, plus CEO interviews, market updates, tech and money news that matters to you. We've added you to our mailing list. 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Readable Markdown	There are so many [types of insurance](https://www.foxbusiness.com/category/insurance) that it can be difficult to sort through which are vital to purchase and which may not be as urgent. Depending on the type of insurance and kind of coverage you need, there are a number of policies to look into. It is important to understand all available options to make the best choice for you and your family. Below is a line-up of popular types of insurance to consider if you do not already have them. Travel insurance isn't as important as other insurance types but helpful if you are a frequent flier or travel out of the country often. (Nicolas Economou/NurPhoto via Getty Images / Getty Images) [THESE TWO FACTORS COULD BE DRIVING YOUR CAR INSURANCE COSTS UP](https://www.foxbusiness.com/personal-finance/cheaper-car-insurance-zip-codes-credit-score) 1. Life insurance 2. Auto insurance 3. Homeowners/renters insurance 4. Health insurance ### 1\. Life insurance Life insurance is one of the most important insurance types, yet many Americans have never purchased it. In fact, only 54% of Americans have life insurance, according to the Insurance Information Institute. Life insurance is used to assist your family with expenses in the case of your death. Most employers offer group-term life insurance as a benefit of working for them. Life insurance through an employer is often easier to obtain as they do not require a health check up to receive insurance. Additionally, life insurance through work is cheaper. A caveat to employer-sponsored life insurance is that if you leave the company or get fired, you likely no longer have insurance. This is the case unless you have the option to port, or buy, your insurance. ### 2\. Auto insurance If you have a vehicle that you are taking out on the road, that vehicle has to be insured in most states. [New Hampshire is the only state](https://www.foxnews.com/category/us/us-regions/northeast/new-hampshire) in the U.S. that does not require drivers to have a basic plan. Auto insurance is priced differently through each company. Before buying auto insurance, do your homework and consider the cost for each company. Auto insurance is required in most U.S. states. (Jonas Walzberg/picture alliance via Getty Images / Getty Images) [COMPARING CAR INSURANCE QUOTES CAN SAVE YOU HUNDREDS OF DOLLARS PER YEAR-HERE'S WHY](https://www.foxbusiness.com/personal-finance/comparing-car-insurance-quotes-savings) It is illegal to drive without [auto insurance](https://www.foxbusiness.com/personal-finance/auto-insurance-basics) in most states, and purchasing car insurance will save you big in case of an accident. Often, whether an accident is your fault or not, the cost to repair a car or even purchase another one is pricey. Purchasing auto insurance will assist you later in paying for the expenses associated with an accident. Some types of insurance coverages associated with cars include liability, personal injury protection, medical payments, comprehensive, collision, uninsured and underinsured motorist. The cost of an individual's auto insurance depends on several factors, including the location you reside in, your driving history, your driving habits, demographics like your age, deductibles and limits. Discounts for auto insurance are available if you bundle insurances types through a company. For example, bundling your car, home and business insurance through the same agency can lessen the cost of all three insurances by having multiple policies. Other savings for auto insurance include maintaining a clean driving record, being a good student, loyalty discounts, discounts from an automatic seatbelt, pay-in-full discounts, going paperless and so many more. ### 3\. Homeowners/renters insurance [Homeowners insurance](https://www.foxbusiness.com/personal-finance/homeowners-insurance-guide) is important in the case that something unexpected happens to your home, and you are in need of repairs or replacements. Homeowners insurance may be used is in the case of a fire, an accident or a break in. Avoid breaking the bank in any of these situations and obtain homeowners insurance. With homeowners insurance, policies include dwelling coverage, other structures coverage, personal property coverage, loss of use coverage, liability coverage and medical payments' coverage. If you are renting an apartment, you can purchase [renters insurance](https://www.foxbusiness.com/personal-finance/what-does-renters-insurance-cover) to protect your belongings in a disaster or incident of theft. Renters insurance also helps pay for expenses that may arise if your apartment becomes unlivable like in a leak that floods your apartment or a natural disaster like a hurricane or tornado. Some of the standard coverages for renters insurance are personal property coverage, personal liability coverage and loss of use coverage. When disaster strikes, you are going to be grateful that you have renters insurance. Having homeowners insurance can save you a lot of money if something were to happen to your home. (Jim Lane/Education Images/Universal Images Group via Getty Images / Getty Images) [FLOOD INSURANCE: WHY YOU SHOULD CONSIDER FLOOD INSURANCE DURING SPRING](https://www.foxbusiness.com/financials/flood-insurance-should-consider-flood-insurance-spring) ### 4\. Health insurance Medical bills are known to pile high, but [health insurance](https://www.foxbusiness.com/markets/how-to-shop-for-health-insurance.amp) can assist with unexpected costs that accrue in a medical emergency or a planned event like a surgery or birth. Medical debt can often be a major expense for Americans. In the U.S. as of 2023, medical debt is up to \$195 billion collectively. According to Lending Tree, 23% of Americans are currently dealing with medical debt, while 45% have been bogged down by it at some point in their lives. Health insurance can also be used for more minor medical expenses like appointments and copay, purchasing medications or medical equipment like crutches or bandages and more. All of these items add up over time when paying out-of-pocket. Health insurance can help against expensive medical bills. (CHARLY TRIBALLEAU/AFP via Getty Images / Getty Images) Other types of insurance to consider: 1\. [Travel insurance](https://www.foxbusiness.com/financials/travel-insurance-purchase-insurance-probably-dont-need-consider-it) Travel insurance protects against any financial losses that happen during travel. If your trip is canceled due to a medical emergency, like a stroke or heart attack, you can recover some or all of the cost. Other reasons to purchase travel insurance are for refunds in case of cancelations or lost luggage. While you should purchase travel insurance as soon as your book your trip, you can add it after you have booked your flight. In order to maximize your coverage, you should purchase it 14–15 days before you travel. You cannot purchase travel insurance after an incident has happened. 2\. Long-term disability insurance Long-term disability insurance protects you from losing income in case of an injury or illness that prevents you from being able to work for an extended period of time. This type of insurance is also beneficial for expecting mothers who do not receive enough maternity leave or become ill following birth. 3\. Long-term care insurance Long-term care insurance is mostly considered by those of elder age as it financially assists individuals in need of nursing home care. If you are no longer able to care for yourself, long-term care insurance might be necessary for you. [IS LONG-TERM CARE INSURANCE A GOOD BET?](https://www.foxbusiness.com/healthcare/is-long-term-care-insurance-good-bet) 4\. Identity theft protection [Identify theft protection](https://www.foxbusiness.com/healthcare/is-long-term-care-insurance-good-bet) is for those who fall victim to identify theft. When an incident of identity theft happens, individuals with this type of insurance will be assisted financially with the costs associated with recovering their identity. As more people use technology and tech becomes more advanced, individuals are at greater risk of identity theft. In addition to identity theft protection, you should regularly change your passwords and avoid maintaining the same login information for accounts with personal information. [GET FOX BUSINESS ON THE GO BY CLICKING HERE](https://www.foxbusiness.com/apps-products) 5\. Umbrella insurance Umbrella insurance is an extra layer of insurance and protection that goes beyond the available policy. If you have acquired major assets, you might want to [consider umbrella insurance.](https://www.foxbusiness.com/features/how-much-umbrella-insurance-coverage-for-me) Beware that the more assets you have, the more costly the coverage will be.
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