Most experts agree that life, health, long-term disability, and auto insurance are the four types of insurance you must have. Employer coverage is often the best option, but if that is unavailable, obtain quotes from several providers as many provide discounts if you purchase more than one type of coverage.

Auto, property, health, disability, and life are the top types of insurance that help you protect yourself and your assets. Talk with licensed agents to find out the best ways to make these policies work for you. Financial planners can provide advice about other common types of insurance that should also be part of your financial plan.