With the development of economy and the improvement of people's living standard, the investor's investment is no longer limited to the portfolio of the financial assets. This paper studies optimal consumption, investment and insurance purchase strategies by introducing the insurance purchase into the portfolio of the investor and dividing consumption into the perishable good or the indivisible durable good. The investor's objective is the maximum of expected utility. By using the theory of dynamic programming, the Hamilton-Jacobi-Bellman equation is obtained, the equation of existence of the optimal strategy is derived, and the condition of the positive root satisfying the equation is discussed. Finally a numerial analysis verifies that the conclusion of the proposed model fits the empirical behavior in reality.