If you have an agent that offers the insurance you need, you can learn from them all the kinds available. This article describes types of insurance, which kinds you need, and which you can do without if you are strapped for cash.
Make sure to stay up-to-date on the current quote for any insurance policy you may be getting. Each insurer has its own, different set of criteria for determining the premiums. That means that there is a wide variation in the cost of insurance policies between companies. Try shopping around and getting a minimum of three quotes prior to picking a company.
A clear, unambiguous description of the claim you are filing is essential if you expect a quick response from your insurer. Make sure you snap some photos of your damage. Do not lie or make your damages worse than they are to get more money, you can get prosecuted.
Research all the terms and complexities of a variety of insurance plans before purchasing coverage. Do not be afraid to get more information from your insurance company. If you suspect dishonesty on their part, check with someone who understands these kinds of policies to give you some help.