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"  BUY: Renters insurance. It&amp;#039;s a steal at roughly $25 a month, compared with the average $40,000 it would cost to replace everything if your home burned down. Visit netquote.com for rates.  Pet insurance. Dog owners spend a whopping average of $655 a year on vet visits. If your pet is healthy, you can find quality plans for as low as $10 a month. Start your research at embracepetinsurance.com.  Travel insurance, when you&amp;#039;re spending big. If the whole fam is headed on a European tour, insure the cost of your flights, hotels, and any nonrefundable activities. It&amp;#039;ll cost 4 to 8 percent of the trip&amp;#039;s total price and will be a lifesaver if you have to cancel. Check out insuremytrip.com. SKIP: Camp or college tuition insurance. Companies such as GradGuard or youth-studentplans.com charge around 2 to 7 percent of attendance fees so you can get a refund on tuition if your child gets injured or sick (but homesick doesn&amp;#039;t count) or a parent dies, all of which are highly unlikely.  Smartphone insurance. For coverage including damage, loss, and theft, you&amp;#039;ll pay up to $150 a year, plus a deductible. At that rate, you&amp;#039;ve almost replaced your phone!  REDBOOK&amp;#039;s money expert, Beth Kobliner, is the author of Get a Financial Life and is on the President&amp;#039;s Advisory Council on Financial Capability.  "^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.redbookmag.com/life/money-career/advice/a12073/what-to-insure/>