Insurance - Auto & Health & Home

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1. Health Insurance. Health insurance is the most important coverage to have. Without it, you risk having to pay a huge medical bill if you have any kind of problem, from a broken bone to a chronic illness. Even a short hospital stay could cost thousands of dollars.
Although the future of the Affordable Care Act (also known an Obamacare) is uncertain, don't make the mistake of dropping coverage or not shopping your policy. It's likely that President Donald Trump's proposed changes to the healthcare law won't go into effect until 2018 or beyond.
Use an ACA Eligibility Calculator to see if you're eligible for subsidized benefits including Obamacare, Medicaid, Medicare and the Children's Health Insurance Program.
2. Auto Insurance. Some amount of auto insurance is required by most states. A basic policy includes three parts.
• Property coverage: Pays for damage to your vehicle caused by a collision (with another car, object or animal), vandalism, theft or natural disaster.
• Medical coverage: Pays the cost of medical care and lost wages if you hurt someone in an accident.
• Liability coverage: Pays for your legal obligations if you're found at fault for damaging someone's property or hurting them in an accident.
You can choose the types and amounts and coverage you need. Be sure to have enough liability to cover the total value of your non-retirement assets, such as your home, vehicles and savings, if you were involved in a lawsuit.
Rates vary depending on many factors, including your vehicle, driving history, annual mileage, credit (in most states), marital status and occupation. So, if you don't shop at least once a year, you may be missing an easy way to save money.
3. Homeowners or Renters Insurance. If you own a home, having homeowners insurance is a requirement when you have a mortgage. A basic policy pays for damage to your home and personal belongings due to a covered event, such as a fire, tornado, hurricane or hail storm.
Certain types of personal belongings, such as electronics, jewelry, computers and firearms, are subject to coverage caps. So, if you bought or received valuable items as gifts, be sure to have ample coverage. Adding a rider for extra coverage can be an inexpensive addition.
Home insurance also includes liability that protects you if a visitor gets hurt on your property. It also covers you and other members of your household (including pets) who accidentally injure someone while away from home. Just like with auto liability, make sure you have enough coverage to really be safe.
If you're a renter, you also need renters insurance for liability protection and to cover theft or damage to your personal belongings due to a covered event. Coverage is inexpensive, but studies show that most renters don't have a policy and overestimate the cost.