If you've never owned a home before or are moving into your first apartment, start off on the right foot by purchasing home or renters insurance. Home insurance protects more than four walls and a roof - you're protecting just about everything in it, as well.

• Nervous? Buy your own unemployment insurance
  

  One company is selling private unemployment insurance designed to keep you afloat in stormy seas. Is it right for you?

• Can using social media cause your insurance rates to soar?
  

  Friends aren't the only ones interested in your Facebook and Twitter activity. Insurers may be keeping an eye on you, too.