You lose control of your car and it rolls. Your car can’t be repaired, so you need to purchase a new car.

You are in an accident and although you do not need to be in the hospital, you require full‐time care by medical professionals in your home.

Someone breaks into the apartment you rent and steals your television.

You invite people to the apartment you rent and a guest trips over a pair of snow boots and breaks a finger.

An unexpected death of a family member results in funeral expenses.

The house you own is destroyed by a tornado and you need to rebuild.

You are unable to work for one year and need income to pay for living expenses.

You get food poisoning and visit the hospital emergency room.

There is a fire in the apartment you rent and you need to replace all of your clothes and furniture due to smoke damage.