You get food poisoning and visit the hospital emergency room.
You are unable to work for three months and need help paying your expenses while you’re out of work.
You have a water leak in the home you own and need to replace the flooring and cabinets in the kitchen.
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.
You are having a baby and need medical care.
You are elderly and need assistance from medical professionals to continue living at home.
You are unable to work for one year and need income to pay for living expenses.
You lose control of your car and it rolls. Your car can’t be repaired, so you need to purchase a new car.
While driving your car you hit a tree. Your car must be fixed by a professional repair shop.
The house you own is destroyed by a tornado and you need to rebuild.
There is a fire in the apartment you rent and you need to replace all of your clothes and furniture due to smoke damage.
While driving a car, you cause an accident that injures someone else.
A sudden death of a family member results in a loss of household production (Income).
Someone breaks into the apartment you rent and steals your television.
An unexpected death of a family member results in funeral expenses.
You invite people to the apartment you rent and a guest trips over a pair of snow boots and breaks a finger.