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Insurance is a contract that protects you—and your family or business—against financial loss from unexpected events (e.g., accidents, health emergencies, property damage). Without it, you could be financially vulnerable when the unexpected happens

Evaluate what you’re protecting (home, car, health, income, business liability), then consider your tolerance for risk, budget, and legal requirements. Working with an agent or broker can help you balance these factors

A deductible is what you pay out of pocket before insurance starts covering costs. Choosing higher deductibles typically lowers your premium, while lower deductibles mean higher premiums

Premiums are influenced by factors including your coverage level and deductible, personal or health history (for life/health insurance), property location (for home/auto), and claims record

You can reduce costs by bundling policies, increasing deductibles, maintaining a good credit score, and qualifying for discounts (e.g., no-claims, security systems)