I need healthy and disabilities insurance, homeowner's or renter's insurance, auto insurance, and life insurance. I need the health one because what if my health isn't so well or I broke a bone in my body. I need the homeowner or renter's because what if my house gets on fire or burglary comes in or maybe a natural disaster comes I can just get it checked out or something. I need auto insurance because if I get into a car crash or maybe something else happens to my car I can use this to pay fix the damages I made. I need life insurance because when I die my family can use that to pay for my funeral. Whatever they have left over they can use it for the family.