Answer 6 quick questions to discover which insurance types you should consider based on your life situation. Get personalized recommendations in under 2 minutes.
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
Question 1 of 6
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:
Learn about each type - Click through to our guides for each recommended insurance type
Understand your state’s requirements - Check our state guides for local regulations
Get quotes - Contact multiple insurers or use a broker to compare options
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.
Common questions about this coverage quiz answered below.
Frequently Asked Questions
▸How does this insurance quiz work?
Our quiz asks 6 simple questions about your living situation, vehicle ownership, dependents, employment, age, and business activities. Based on your answers, we recommend the insurance types most relevant to your situation with links to detailed guides.
▸Is this quiz free to use?
Yes, this quiz is completely free and requires no sign-up or personal information. It runs entirely in your browser - we don’t collect or store your answers.
▸How accurate are these insurance recommendations?
These recommendations are general guidance based on common insurance needs. Your specific requirements may vary based on your state’s laws, health conditions, asset values, and risk tolerance. We recommend consulting with a licensed insurance agent for personalized advice.
▸Why do I need multiple types of insurance?
Different insurance types protect against different risks. Auto insurance covers vehicle accidents, homeowners protects your property, health insurance covers medical expenses, and life insurance provides for dependents. Having the right combination ensures comprehensive protection.
▸What if I can't afford all the recommended insurance?
Prioritize based on legal requirements (auto insurance in most states), financial risk (health insurance to avoid medical bankruptcy), and dependents (life insurance if others rely on your income). Start with essentials and add coverage as your budget allows.
▸Should I get insurance through my employer or buy my own?
Employer benefits are often subsidized and convenient, but may not be portable if you change jobs. Individual policies offer more control and continuity. Many people use a combination: employer health insurance plus individual life, auto, and home policies.
▸How often should I review my insurance needs?
Review your coverage annually and after major life changes: marriage, having children, buying a home, starting a business, or reaching age 65. Your needs evolve, and your coverage should too.
▸What insurance is legally required?
Requirements vary by state. Most states require auto liability insurance for drivers. If you have a mortgage, your lender requires homeowners insurance. Health insurance is not federally mandated but many states have requirements or subsidies. Workers’ compensation is required for most employers.
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