In the article it states that having health, medical, renter's and flood insurance. I believe that these are really the main important ones. These are good to boil things down so you know what you need, and you have resources to go looking for other types if they're applicable to you. These insurance will cover up any accident or emergency you have especially auto insurance. It's it very important that you have every insurance you can possibly have in life because you never know what can go wrong.