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Hollywood icon Betty Grable had her legs insured for $1 million each during her heyday in the 1940s. Legendary Rolling Stones guitarist Keith Richards has his middle guitar finger insured for more than $1.5 million. Most people don't have such highly appraised body parts, but these exceptions prove the rule: If it's valuable and its loss would cause harm to one's livelihood or enjoyment of life, it probably can be insured. For most of us, this is limited to homes, automobiles, health, and the lives of loved ones. Understanding which kinds of insurance you need and how to make sense of your policy will help you make smarter decisions. FindLaw's Insurance section covers a wide range of insurance-related topics, including summaries of the various types of policies, how to file a claim, your legal options when things go wrong, and more.

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