You may want much more insurance than the state requires. It may not cost much more than the minimum coverage. Damage to your home and belongings. If you own a home, you need insurance to replace or repair the house in case of a fire or other accident. It will also help replace furniture and clothes.
Liability insurance is included.
If you rent, a renters policy will also help to replace your things and provide liability insurance. Some kinds of insurance are not that useful. Or they cost too much. You may not want these kinds of insurance. Cancer policies or critical illness insurance.