When insuring your assets, one misstep can leave you with an expensive loss.

"Never risk more than you're prepared to lose," says Jack Hungelmann, a veteran insurance and risk management specialist and author of "Insurance for Dummies."

Experts typically urge people to purchase insurance coverage in five risk areas: major medical bills, destruction of home, major lawsuits, long-term disability and premature death, Hungelmann says.

"A good insurance program is a balanced one that covers all five major risk areas," he says.

But what about less obvious forms of insurance? In some cases, a little extra coverage may go a long way toward securing your financial future.

Following are six policies you might need, even if you don't realize it.