3 things you probably aren't buying - but should be

Flickr/talblesalt

Sometimes, spending money now means saving in the future.

Yet according the the numbers, we still have the tendency to skimp on, or neglect, highly important purchases - notably, insurance.

When things are going well, insurance can seem like a boring, potentially confusing, and mostly unnecessary cost. But when life takes a turn for the difficult, it can make all the difference.

Here are three types of insurance well worth your money: