Insurance Needs Calculator
Get a personalized assessment of your insurance coverage gaps and priorities.
Get Personalized Recommendations
Connect with insurance professionals who can help fill your coverage gaps.
Get RecommendationsWe may earn a referral fee for recommendations.
What Types of Insurance Do You Need?
The right insurance mix depends on your life stage, assets, and dependents. Most adults need health, auto, and property coverage. If others depend on your income, life and disability insurance are essential.
Common Insurance Mistakes
- Only carrying state minimum auto insurance
- Not having enough life insurance for your family
- Skipping disability insurance (more likely than death before 65)
- Not reviewing coverage after major life events
- Overlooking umbrella insurance for asset protection
Frequently Asked Questions
What types of insurance do I really need?
Most adults need health, auto (if driving), and property insurance. Life and disability insurance are important if others depend on your income. Umbrella insurance is wise if your assets exceed $300,000.
How do I know if I'm over-insured?
You may be over-insured if you have overlapping coverage, very low deductibles, or carry coverage for risks you no longer face.
What is umbrella insurance?
Umbrella insurance provides extra liability coverage beyond your auto and home limits. It's recommended if your assets exceed your current liability limits.
Disclaimer
This assessment is for educational purposes only and does not constitute insurance advice. Consult a licensed insurance professional for personalized recommendations.