This insurance can increase up to 25% of the coverage limit for your home or personal belongings. Get a quote now and begin saving now. You can also find out more about this insurance by reading the Do You Need Renters Insurance. The insurance of your car is an absolute necessity, and it's an excellent idea to look into coverage for other vehicles, too. The primary car insurance required in the majority of states is called liability insurance that covers the costs of damages that you or anyone else who use your vehicle cause other vehicles or properties of others.