Health Insurance: Covers medical expenses.
Auto Insurance: Covers vehicles and liability in case of accidents.
Homeowners/Renters Insurance: Protects your home or rented space and belongings.
Life Insurance: Provides financial support to beneficiaries in case of your death.
Disability Insurance: Replaces income if you become disabled and can’t work.
Personal Liability Insurance: Protects against legal claims for accidents or damages you're responsible for.

This depends on the value of your assets, your income, your family’s financial needs, and your risk tolerance. For example, life insurance should generally cover at least 5–10 times your annual income.

Auto Insurance: Your driving history, age, vehicle type, and location.
Health Insurance: Age, location, tobacco use, and coverage level.
Homeowners Insurance: The value of your home, location, home security, and prior claims.
Life Insurance: Age, health condition, lifestyle (e.g., smoking), and coverage amount.

General Liability Insurance: Covers legal claims for bodily injury or property damage.
Commercial Property Insurance: Protects your business property against risks like fire or theft.
Business Interruption Insurance: Replaces lost income if your business cannot operate due to a disaster.
Workers’ Compensation Insurance: Covers employee injuries and illnesses.
Professional Liability Insurance (E&O): Protects against claims of professional negligence.
Cyber Liability Insurance: Covers data breaches and cyberattacks.
Product Liability Insurance: Covers legal claims related to products you sell.

Industry risk, business size, location, claims history, and types of coverage needed.

Assess the value of your assets, the risks specific to your industry, your revenue, and potential legal liabilities.