Insurance coverage refers to the amount your life, income or property is insured for by your insurance company in return for your monthly insurance premium. Insurance coverage has evolved so dramatically over the past few hundred years that insurance companies are prepared to insure almost anything for a fee. Today, anything from your life and income to your legs, teeth and credit can be covered by insurance. It stands to reason that the more comprehensive your coverage is, the higher your monthly premium will be. Therefore lower and middle income families usually prefer to insure more frugally whereas more affluent people have a diverse and comprehensive insurance portfolio so that their assets are covered for every eventuality. In recent history, highly specialised insurance companies have offered insurance cover to celebrities such as Dolly Parton, Madonna, J-Lo and many others to insure specific body parts which these celebrities felt were their "trademark" and essential for their continued success.