There is so many insurance policies that I am wondering how many types of insurance I need to protect me.

Mortgage insurance: if a spouse dies, then this insurance protects you by paying the mortgage bills.

Home owners insurance: protects you if your house burns down/ weather damages/ things get stolen.

Umbrella Insurance: protects your wealth if someone tries to sue you for injury or whatever.

Homestead act: protects you up to $X amt of dollars in case someone tries to claim your home.

Title Insurance: proves that you own the home clear of odd issues.

Life insurance: due to spouse's death it helps pay the bills and to get by.

I have no kids right now. Is it important to have mortgage, umbrella, and life insurance? I don't have these now . We just bought a house. Please send your opinions. Thank you.