The Complete Insurance Audit for Your 30s
Your insurance needs don't stay still through your 30s — they shift with every home, job, relationship, and kid. This is the full picture, one category at a time, with a deeper guide linked for each.
Most people build their insurance picture reactively — a policy here because a lender required it, a policy there because an agent called at the right time. Nobody sits down and looks at the whole thing at once. This page is that sit-down. Work through each category below; if it doesn't apply to you yet, skip it and come back when it does.
Do you have enough, and is it the right type?
The highest-stakes category for anyone with dependents or debt. Most people either have none or have the wrong amount.
Calculate your number →Right plan for your actual usage
High-deductible vs. low-deductible plans trade off differently depending on how much care you expect to use this year.
Learn how it works →Protecting the income that funds everything else
Often the most overlooked category, especially for the self-employed and freelancers.
See why it matters →Covering the roof over your head — accurately
Rebuild cost, personal property, and liability limits are all worth a second look, not just a first signature.
Check what's covered →Liability limits that match your assets
As your net worth grows, your auto liability limits should keep pace — they're often set too low from your first policy years ago.
Review your coverage →The cheap policy that protects everything else
Once your assets exceed your home and auto liability limits, this closes the gap for a surprisingly small annual cost.
See if you qualify →Bookmark it. Insurance isn't a once-and-done task — it's worth revisiting after every major life event: a new home, a new job, a marriage, a baby, a meaningful jump in savings. Each of those changes at least one answer on this page.
Where to start if you're overwhelmed
If you only have time for one thing this month, make it life insurance if you have any dependents or debt, or disability insurance if you're self-employed with no employer safety net. Both are the categories where the gap between "underinsured" and "properly covered" tends to be the largest — and the fix is usually a single quote away.
Start with your life insurance number
Our free calculator gives you a real, personalized coverage target in under two minutes.
Use the calculator →