According to the Centers for Disease Control and Prevention (CDC), motor vehicle injuries are the leading cause of death among children in the United States. In 2013, 638 children ages 12 and younger died in motor vehicle crashes. Another 127,250 were injured.

Fires, floods, tornados, hurricanes, high winds, hail and lightning… Mother Nature has some serious weapons in her arsenal, and she’s not afraid to use them. With extreme weather becoming more common in many parts of the country, every home is likely at risk of incurring damage from more than one type of natural disaster.

Nearly 4 million. That’s the number of babies (3,988,076 to be exact) born in the U.S. in 2014 according to the Centers for Disease Control and Prevention. It’s equal to about 10,926 births every day. If you’re among one of those families expecting a newborn—especially if it’s your first time—you’re probably thinking about a zillion things other than insurance. However, if you want to truly protect that little bundle of joy from life’s potential calamities, the right insurance coverage is essential.

Shoes that are too tight can hurt your feet. Pants that are too loose will fall down. Whatever clothing you’re putting on your body, it’s important to find the right fit if you want to look and feel your best. The same can be said about homeowner’s insurance. If you purchase more coverage than you need, you’re wasting money. But if you underinsure your home and possessions, recovering from a burglary, fire, flood or other natural disaster could be even more costly.

Your teenager just got his or her driver’s license and is begging you for a car. You’ve been thinking about buying a new one anyway, so you decide to give him your current ride. After all, an older vehicle should cost him less to insure as well as repair if he gets in an accident. Problem solved, right? Not so fast.