How do you decide on insurance?

There seem to be a lot of people out there getting family insurance these days. I really hadn't heard of it before, but it seems like a good way to get coverage for the entire family, making it both cost effective as well as reliable. I checked with my insurance company and they don't seem to offer this type of insurance, which is rather odd, since it is becoming quite popular. Hmmm, might be time to rethink my plan, I guess.