Answer:
It covers you, you lose it every day and you'd die without it.
What do people spend a lot of money on every year but never want to use it?
If you blow past your destination, you'll have to throw your car into this.
If you can get this professional's attention you can get where you need to go for a price.
A colorful cuisine without flesh
I am a room that has a roof but no walls. What am I?