Can you picture living without medical care, transportation, or a place to live? Probably not. And that's why health insurance, car insurance, and property insurance are the kinds of insurance you'll hear about the most. (Also life insurance because…everyone lives. General rule.)

Of course, in some cases, these types of policies might not cover everything. So let's do a quick rundown of other types of insurance you might need.

Liability insurance

Are you worried about being sued? Liability insurance protects businesses (and people) against expensive lawsuits.

Business insurance

If you own a business, you're going to need all types of business insurance, which can sometimes be combined into one policy.

Casualty insurance

Everyone makes mistakes, and if one of your mistakes leads to something costly, casualty insurance will cover you. (Sound familiar? Yeah, car insurance is a type of casualty insurance.)

Gap insurance

If you get in a car accident with a car you're still paying off, you might end up in a financial mess. If you owe more on the loan than the car is worth, the amount your insurance company gives you might not cover it all. Gap insurance covers the difference between what you owe and what the car is actually worth.

Credit insurance

If you own a business and offer credit to customers, you're allowing them to buy now and pay later. But what happens if your customers don't pay? This type of insurance protects you against that.

Accident insurance

Personal accident insurance protects you in any accident: anything from a boating accident to a plane crash to an acrobatic show gone wrong. If you're into extreme sports, this type of insurance might be worth looking into.

Sickness insurance

Health insurance pays for your visit to the doctor or hospital, but if you're very sick, you might not be able to work and you might even have to pay for extra stuff, like having a nurse come to your house. Sickness insurance pays for these extra costs.

Unemployment insurance

State governments will pay for up to 40-50% of your wages if you lose your job and can't find work even though you haven't done anything wrong to lead to your dismissal from your job.

Disability insurance

If you become disabled, you might not be able to work any kind of job—and you might need lots of extra help. Disability insurance helps pay for some of these costs.

Workers' compensation insurance

Finally—an insurance you don't have to pay for. Your employer pays for this one, and if you're injured on the job, this insurance pays for medical bills.

Whew. Makes you want to never leave your house, eh?