You know you need car insurance. Even if it were not legally mandated by the state of Texas (and it is!) and it would be a good idea to have. Your car was costly and getting into an accident without insurance would mean you’d have to pay for repairs and replacements on your own.

Homeowners insurance is non-negotiable. Not only is it mandated you have this coverage if you have a mortgage, it is also just plain good financial sense to have it.