Temp-to-hire offer, worth it?

I got a contract offer for 18 months as a copywriter and I am unsure whether to accept. This is my first time dealing with any of this. I would gain recent experience. Did a contract become permanent?

If savings are low, I would accept and keep applying. You can leave for a permanent role if one appears.

Buy coverage through the marketplace if the contract has none. I budgeted for it before signing.