Bully for you, just for taking some time to think about this topic! The concept of insurance may not get your heart racing, but if you ever find yourself looking at a grease spot on the asphalt where you last saw your car, or viewing the smoldering remains of your home, and you're not insured, you'll find your heart racing plenty. Insurance is not a luxury -- it's a necessity. It's not something to put off thinking about, but something to deal with now. It's not just for your car and home and health. There are other forms of insurance you should consider as well. Here are the biggies:

  • Life insurance
  • Disability insurance
  • Long-term care insurance
  • Health insurance
  • Dental insurance
  • Eye/vision insurance
  • Renter's insurance
  • Homeowner's insurance
  • Mortgage insurance
  • Auto insurance
  • Monster-under-the-bed insurance

OK, we were just kidding about that last one. There's a host of other kinds of insurance, though, such as pet insurance, "pre-need" (funeral) insurance, etc. And, within the categories listed above, you'll typically find many sub-categories, such as whole life insurance and term life insurance.

We offer more information in our Insurance Center, and you can get your questions answered on our Insurance discussion board (or just drop in to see what others are saying there). You'll also find the websites of many major insurance companies to be helpful.

You may not have thought about some kinds of insurance, such as disability or long-term care insurance, but they're vital for many people. Take a little time to learn more. If some calamity occurs in the future, you may be very happy you did.