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🛡️ INSURANCE PLAYBOOK

Protection Money (The Legal Kind)

What you actually need vs. what they're trying to sell you.

Insurance You Probably Need

🚗

Auto Insurance

Required by law in most states. Get liability at minimum. Consider comprehensive if your car is worth it.

🏠

Home/Renters Insurance

Protects your stuff. Renters insurance is cheap (~$15/month) and worth every penny.

🏥

Health Insurance

One medical emergency can bankrupt you. Don't skip this one.

Insurance You Might Need

❤️

Life Insurance

If someone depends on your income, get term life. Skip whole life — it's usually a bad deal.

🦽

Disability Insurance

Protects your income if you can't work. Check if your employer offers it first.

Insurance You Probably Don't Need

📱

Extended Warranties

Usually overpriced for what they cover. Save the money instead.

✈️

Travel Insurance (most trips)

Your credit card probably already covers you. Check before buying.

💳

Credit Card Insurance

Payment protection plans are almost always a waste.

💡

Wiseguy Wisdom

Shop around every year. Loyalty doesn't pay — switching insurers can save hundreds. Same coverage, different price.

Ready to Save on Insurance?

Compare rates and find better deals.

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