You probably already have homeowners and auto insurance. But there are many other types of personal insurance policies that can help safeguard you and your family from unforeseen financial disasters. Speaking to a qualified insurance agent and reviewing your coverage and personal circumstances is a prudent course of action to help ensure that you and your family have adequate protection. Here are some often-overlooked common types of personal insurance coverage that can make recovery easier in the event of an insured loss:
1. Flood insurance
With our nation’s climate fluctuation in recent years, all areas can become susceptible to flooding even if you are not in a designated flood zone. Many mistakenly assume that flood damage is covered under a traditional homeowners insurance policy. Sadly, it is not, and the worst way to learn this is after a flood. Speak to a qualified flood insurance agent to find out if your home might be vulnerable to floods and how to obtain coverage.
2. Life Insurance
Life insurance plays a critical role in protecting your family and preserving your wealth — providing flexible, tax‑efficient liquidity that supports estate planning, legacy goals, and long‑term financial security when it matters most. Sometimes this is available as a benefit through your employer. But if it isn’t, you can still purchase private coverage.
3. Umbrella Insurance/Excess Liability
Umbrella insurance/excess liability provides protection after primary coverage limits are exhausted. The liability coverage included in your personal homeowners, auto and recreational vehicle insurance policies is considered primary insurance and applies first in the event of a claim, but often that coverage isn’t enough.
4. Valuables Insurance
Valuables insurance provides customized coverage for jewelry, fine art, collectibles, and other high‑value items, protecting them at their full appraised value, covering risks often excluded by homeowners insurance policies, and ensuring protection at home and worldwide.
5. Cyber Insurance
As online threats such as identity theft, ransomware attacks, data breaches and social engineering continue to grow in frequency and severity around the world, personal cyber insurance can offer protection for you and your family.
6. Kidnap and Ransom Insurance
It’s an unfortunate fact that no one is immune to a kidnapping or extortion threat. Anyone, whether traveling internationally or domestically, may be targeted for kidnapping or extortion. Kidnap, ransom, and extortion insurance provides critical financial protection and access to expert crisis‑response support, helping individuals and families navigate and recover from high‑stakes threats that can cause severe emotional and financial harm.
7. Renters Insurance
If you rent a home, town home, condo or apartment, the landlord or owner is typically responsible for insuring the building, but little else. So, what does that mean for your belongings should something happen? Getting renters insurance to guard yourself against the unexpected, with replacement cost coverage and claims services.
8. Travel Insurance
Planning a vacation always comes with a certain degree of uncertainty. Whether a family member gets sick or the hotel claims it didn’t receive payment for your prepaid reservation, your dream vacation can quickly become a nightmare. Travel insurance provides travelers with peace of mind. It protects them and their investment should a trip get canceled, delayed or interrupted because of a medical emergency, reservation issue, rental car damage or lost, stolen or damaged baggage.
9. Long Term Care Insurance
You probably don’t think about needing long term care, especially if you feel young and healthy.
Long‑term care insurance helps protect your retirement, preserve choice and independence in care, and reduce the emotional and financial burden on loved ones, offering flexible solutions designed to support longevity and financial security.
10. Private Client Group
If you have distinct, discrete coverage needs – whether it's protection for fine art on a yacht and the yacht itself or a susceptibility to kidnap and ransom or cyber risk – the NFP Private Client Group delivers fully customized risk management and wealth strategies, integrating property coverage, specialty insurance, life insurance, and wealth planning, to protect what you’ve built and help preserve your legacy for generations.
How NFP Can Help
Personal insurance isn’t one‑size‑fits‑all, and neither are the risks you face. From protecting your home, family, and valuables to planning for long‑term care, cyber threats, or complex personal exposures, the right coverage can make all the difference when the unexpected happens. Taking a proactive approach now — by reviewing your policies and working with a trusted advisor — helps ensure your protection keeps pace with your life. With thoughtful planning and the right guidance, you can move forward with confidence knowing what matters most is protected today and into the future.
