Personal Insurance
Personal insurance is a type of coverage that protects an individual from many forms of assault. Imagine getting mugged and losing your Rolex to your assailant. This is just the sort of protection personal insurance provides.
Most people don't feel the need for this sort of insurance as the average Joe doesn't own a Rolex. Still, if you have those means, you certainly would want to protect your personal valuables. Another example would be a woman's fur coat being splashed by red paint. Personal insurance covers this sort of thing.
Most large insurance companies offer these sorts of plans if you just inquire. Personal insurance can be a life saver. It is particularly useful in big or dangerous cities.