Auto insurance protects you against financial loss if you have an accident.
A standard policy insures the home itself and the things you keep in it.
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All homes are in a flood zone and could have flood damage in the event of a hurricane or other lengthy storm. If your home is located in a “high hazard zone,” then your mortgage company will require you to purchase flood Insurance. In a “low hazard” area, the choice is yours to purchase flood Insurance. Remember that 80% of the homes that flooded during Hurricane Harvey in Houston were located in a “low hazard” area.
In most cases, legal minimum coverage is way below the actual cost of an accident, especially if people are injured and you’re held to blame. In fact, as more and more people opt to take out lawsuits against at-fault drivers, the gap between legal minimums and actual costs is widening. If you don’t have sufficient coverage, the balance of any costs comes out of your own pocket.
With individual life insurance, the proceeds can be used for any purpose your beneficiaries choose. Your family decides how best to spend the proceeds including paying off the mortgage or creating college funds. With mortgage protection insurance, your lender is the only beneficiary. Your family has no access to the money and does not have any input into the decision-making on how the funds are used.