Insurance might not be the most exciting part of adult life, but it’s one of the most essential.

Whether you're protecting your home, car, health, or business, having the right coverage can keep you from major financial headaches down the line.

In this article, we'll break down the types of insurance you might need and what each one covers, so you can make informed decisions without getting overwhelmed.

Start with the Basics: Auto, Home, and Health

You’ve probably heard this a thousand times, but it’s worth repeating—auto insurance is non-negotiable if you drive.

It covers property damage, bodily injuries, and liability if you're at fault in an accident. Some policies even include extras like roadside assistance and rental car reimbursement.

Then there's homeowners and renters' insurance. If you own this policy protects your house and everything inside it from disasters like fires, storms, or theft. If you rent, similar coverage protects your belongings, even if the landlord handles the building itself.

Health insurance is just as important. It helps cover medical expenses, doctor visits, emergency care, prescriptions, and preventive services.

Expand Your Coverage as Life Evolves

Once you have the basics down, it’s time to think about what else could use protection.

Life insurance, for instance, is something many people overlook until it’s too late. Simply put, if you have dependents, you need life insurance. It ensures your family has financial security if anything happens to you.

Disability insurance also deserves a spot on your radar. It replaces part of your income if you become unable to work due to injury or illness. Think of it as a safety net for your paycheck.

And don’t forget commercial umbrella insurance. It kicks in when your basic policies reach their limit, offering extra liability coverage for major claims or lawsuits. If you have significant assets, this type of insurance can be a lifesaver.

Don’t Overlook Coverage for Specialized Needs

Some of you run your own business or freelance. In that case, commercial insurance—like general liability, professional liability, or business owner’s policies—is key. It helps cover everything from client disputes to property damage to cyber attacks.

Pet insurance has also grown in popularity, and it’s worth considering if you have furry friends. It helps cover vet bills, surgeries, and medications, giving you peace of mind when your pet needs care.

Travel insurance is another smart move, especially for international trips. It can reimburse you for trip cancellations, lost luggage, medical emergencies abroad, and more.

As you can see, there are many types of insurance you might need. The trick is figuring out what’s most important for your situation and building a coverage plan that gives you confidence, not confusion.

Plan Ahead—Stay Protected

Insurance isn't just paperwork and payments. It's a practical way to prepare for the unexpected. With the right mix of policies, you protect the people and things that matter most. 

So, whether you're just starting out or reevaluating your current coverage, don’t overlook the types of insurance you might need and what each one covers. 

A little planning now saves a lot of stress later.

Ready to Review Your Coverage?

At Chandler Insurance Group, we’re here to help you make sense of your insurance needs. Whether it’s auto, home, life, or business coverage, our team offers personalized support and trusted guidance every step of the way. Let’s build a protection plan that works for you.

Contact us today to get started.