What Insurance Do I Need?

Not sure what types of insurance coverage you actually need? You’re not alone. With so many options available, it’s easy to feel overwhelmed.

Our quick quiz helps you identify the insurance types most relevant to your situation. Just answer 6 simple questions about your life circumstances, and we’ll recommend coverage to consider.

Take the Quiz

Do you own or rent your home?

Do you own or lease a vehicle?

Do you have dependents who rely on your income?

This includes spouse, children, or elderly parents you support.

What's your current employment situation?

What's your approximate age range?

Do you run a business or work as a contractor?

Your Recommended Coverage

Based on your answers, here are the insurance types you should consider:

This quiz provides general guidance only. Your specific needs may vary based on your state, health status, assets, and other factors.

Understanding Your Results

After completing the quiz, you’ll see recommendations categorized by priority:

  • Essential (red) - Coverage that’s critical for your situation, often legally required or financially vital
  • Recommended (yellow) - Important protection you should seriously consider
  • Consider (blue) - Additional coverage that may benefit your specific circumstances

Each recommendation links to our detailed guides where you can learn more about coverage options, costs, and how to choose the right policy.

Next Steps

After getting your results:

  1. Learn about each type - Click through to our guides for each recommended insurance type
  2. Understand your state’s requirements - Check our state guides for local regulations
  3. Compare costs - Use our insurance cost guides to understand typical premiums
  4. Get quotes - Contact multiple insurers or use a broker to compare options
  5. Review annually - Your needs change over time, so revisit this quiz after major life events

Why Trust This Quiz?

This quiz is based on common insurance planning principles and recommendations from consumer advocacy groups and financial advisors. We don’t sell insurance or receive commissions - our only goal is helping you understand your coverage needs.

For more about our approach, see our methodology page.

Quiz last updated: December 2025