Insurance is everywhere, but which policies do you actually need? From health and disability to life and long-term care, here's our priority-ranked breakdown of the insurance coverage that belongs in every financial plan.

Most of us have it; few fully understand it. Property and casualty insurance covers your home, car, and personal liability. But do you know if you have the right coverage? Here's what P&C actually is, why it matters, when you might not need it, and what to check in your annual insurance review.