What types/how much insurance do you need?
The number of policies you need and the amount of coverage under each policy will be unique to you. Each of these policies will have designated coverage limits and optional coverages catered to your needs. All of these factors will play into what your personal insurance costs.
Factors that influence pricing
In addition to the types of insurance and coverage amounts you need, things like location, age, profession, details about possessions you're insuring, driving record, discount eligibility, and more could affect your personal insurance costs.
Ways to save
Fortunately, personal insurance offers several opportunities to save. Some include bundling your policies, increasing your deductible, paying through EFT/ACH, switching to paperless billing, removing optional coverages you don't need, or asking about discounts (especially with auto).