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The amount of life insurance you need should be enough to cover all of your financial obligations. It’s challenging to determine the exact dollar amount due to everyone’s unique needs. 

Still, one should consider any long-term obligations such as housing payments, post-retirement healthcare, college tuition for one’s children, etc when deciding on life insurance coverage.  

Typically a leased car should carry $100,000 in bodily injury liability coverage per person and $300,000 per accident, as well as $50,000 in property damage liability insurance. 

The leasing company will also require physical damage coverage, such as comprehensive and collision coverage for the vehicle.

Homeowners' insurance typically covers wind or severe weather damage unless the policy explicitly excludes this coverage. Homeowners' insurance also traditionally covers damage from hail and wind-driven rain (if a roof or wall is damaged due to wind.)

There are multiple factors for determining the cost of boat insurance, such as boat type, size, horsepower docking location, and overall value of the boat. The owner’s boating experience and driving history are factors.

A boat’s radius to international waters is also considered, as they are deemed higher risk than craft used inside U.S. borders.