<prompt> Human: Just curious, what kind of insurance should most everyone have? For myself, I have healthdentalvision insurance and renters insurance. Any other sorts of insurance people should have?  <response>: Dave Ramsey prominent yet controversial personal finance guru suggests the following:1. Health insurance. If you have an emergency fund, then get the highest deductible plan you can. 2. Auto insurance if you have a vehicle.3. Life insurance. He suggests term life insurance, as do most people on rpersonalfinance.4. Long-term disability insurance. See the other comments about disability insurance for details.5. Renters or homeowners insurance to protect your residence and belongings. Its pretty cheap and covers a LOT.6. Long-term care insurance if youre 60 years old or above. Below 60, its a ripoff. Above 60, its almost mandatory.7. Identity theft protection. This one is controversial, and its the only applicable insurance that he recommends that I dont personally have. He actually provides it to all of his employees because if your identity is stolen, it can take 40-80 hours of work to repair the damage. I dont have it because ID theft is most likely committed by someone you know personally, and I dont usually associate with friendsfamily who would steal my money. 