Many of us have the level of insurance coverage for our cars determined by our finance company. Most often they will require that you obtain comprehensive car insurance before you get to drive away with your car.
If you are entering to win the Shakira designed Leon Pies Descalzos, you might want to compare car insurance so you can be on the road with your prize that much sooner.
Lenders often dictate what level of home insurance you need to have as well. I think that even if you are renting there are some possible losses that you should be insured against. I have heard a lot of horror stories about people who get their basement apartment flooded as the result of someone else's negligence and are still stuck with the expense entalied by all the damage to their possessions. Theft insurance is something worth looking into as well. I spent some time living in a bad neighborhood a few years back and I lived in fear of being burgled. We had a home business operating there. I'm curious as to whether you can be insured against lost earnings if the computers containing a portion of your business information are stolen? Probably not.
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