Determine what asset or incident must be protected against loss/damage. Is it you life, health, vehicle, home?
Where did insurance come from?
Before there were large companies, insurance was handled within a community. If a person needed something in a community or a person had a disaster, the rest of the community would band together and provide for that person what was difficult for them to do themselves.
Insurance can be meant for anything: life insurance, automobile insurance, health insurance, home insurance, property insurance, disability insurance, travel insurance, pet insurance, cycle insurance, recreational vehicle insurance, sports insurance and so on. There can be special policies like flood insurance, ski insurance, student’s content insurance, long-term care insurance, flight, kidnap, extended warranty and others. In short, insurance can be purchased to cover any kind of a risk.
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Some of us may have some form of insurance but very few really understand what it is or why one must have it.
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