Compare Insurance Quotes with First Choice Insurance Services When people think about what kinds of insurance policies they need to purchase, they can sometimes let others decide for them. For example, Iowa drivers need some type of insurance in order to be legal on the road. Homeowners need to satisfy different lending requirements, leading them to purchase a policy to cover the structure and the grounds of their property. Or commercial business owners may need certain protections for their inventory and workers. But failing to consider what you need beyond the basics can end up landing people in serious trouble if they're not prepared. The wrong policy can end up putting much of the burden on the policyholder. Not having a policy at all will be even worse though. If you don't have another resource to turn to, the consequences can be truly disastrous.