FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Insurance is all about managing risk. Some insurance is compulsory, for example, automobile insurance for drivers. You might need other insurance as a condition of contract, like homeowners insurance if you have a mortgage on your home. Most other insurance types are a matter of choice, and involve you prioritizing what's most important, within the budget you have available.
Protecting the things you love:
Protecting the people you love:
Protecting yourself:
It may also be worth prioritizing the risks that you'd find hardest to cover yourself. For example, most people would not be able to replace all their belongings after a serious fire.
For other risks, it might be worth considering putting regular savings aside in an emergency savings fund, rather than taking out insurance.