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Most people are simultaneously paying for insurance they don't need and missing cover that would bankrupt them. The rule is brutally simple: insure what you cannot afford to replace or absorb — home, health, income, life with dependents — and self-insure the small stuff that a healthy emergency fund already covers. This guide walks a 20-minute gap check across the four covers that matter and the policies (extended warranties, rental car cover, phone insurance) that quietly tax people who don't need them.
coverage scorecard
Health, home or renters, auto where required, life if people depend on your income, and income protection if your savings wouldn't cover 6 months.
Extended warranties on items you could replace, rental-car damage waivers if your card covers it, and small-premium gadget policies with big excesses.
A common rule: 10-12x your annual income minus existing cover, or enough to clear debts and replace your income until dependents are independent.
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