Insurance Field Guide: What to buy, and when

Insurance can be a mystery to consumers. Here's what you need to know about the different types of coverage before you buy.

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Jul 12, 2014 9:26AM
So anyway,  I call my alien abduction insurance adjuster after I was abducted,  and he told me it was only good for another kind of alien,  and besides it's only good during daylight hours.
Jul 12, 2014 8:36AM
Life and medical insurance is all I have. Should I become disable that I can no longer take care of myself and become a burden to my kids, there is insurance for that too. It's called Walter PPK.  
Jul 12, 2014 12:39PM


Make it PAINFUL for those that have insurance!  They will tire of paying for all the freeloaders with their increased premiums, and this unjust travesty will be REPEALED!!!


Vote out lying Democrats in november, repeal in December!!

Aug 5, 2014 5:38PM
We can comment on this nonsense or some of the other fluff that permeates this site. But gosh forbid they allow us to comment on the things that actually matter. You know, Russia, Israel/Gaza, anything of a political nature. Who gives a flying leap what some "celebrity" is saying or doing. They are about as in touch with the rest of the world as are our leaders. Alien abduction insurance, yea that's something we should all waste our time thinking about.
Jul 13, 2014 6:16PM
Obviously it is extremely important to own health insurance, because our health is probably the number one concern that we should have.  Luckily many of our employers cover the expenses, or at least part of them, so the price doesn't break our backs like it would otherwise.

 Next on the list I would say is life insurance, because we need to make sure that our families are cared for if something happens.  Life is much cheaper anyway (about $15 a month from Life Ant) so it is kind of foolish not to own it.  

Car insurance is probably the third most common, followed by home, flood, and renters.  We are turning into an insurance nation.  Its sad when we pay so much to protect everything, but most people will never come close to getting back what they paid.  The problem is that in a worst case scenario, it would be impossible to survive without it.  Its a necessary evil in my book.
Jul 12, 2014 10:15PM
It's nice to have insurance until you need and they tell some obtuse reason why they aren't going to pay.  And yes I do read my policies.
Jul 12, 2014 7:04PM
Nothing but health insurance for most folks!
Jul 10, 2014 12:13PM
Pet insurance - only if you are gullible enough to shell out $5000 that you don't have or can't afford to a veterinarian.
Jul 12, 2014 4:24PM
One tip not mentioned is from self experience.  I have always bought insurance without a policy.  the policy comes 30 days later.  I counted on the salesperson's "I'm gonna be here for you."  Well, my decisions have changed.  No policy, no premium.  They won't miss one customer.  If a million adopted a "no policy, no premium" attitude, we might see better polices.  They count on you forgetting to cancel or not reading the policy.   If you have a house insured with teh "good hands" people, you may not get paid if you have a loss while you have 'oil" in the house.  How many homes have never had a can of "WD 40 in it?  Isn't that "oil?"  Fron now on, no policy, no premium. Thank God I have not had a loss, but that is in the policy now as I usderstand it.
Jul 12, 2014 4:28PM
The aliens insurance is needed too.  We have one that has moved in with us.  It is the DEVIL.  Yes, he is real.  He has visited us all our lives but for almost 4 years, he has just moved in.  God has not evicted him yet though I keep asking God to throw him out.  I do have to say the  devil is a good worker.  He works day and night, never takes a break and no time off.  No holidays at all.  Works weekends too.  He is here when we get up and here after we go to bed. He goes with us if we leave the house and comes home with us.  We are never alone.  the devil is real.  Read Second Corinthians (4,4) if you have any doubts.
I don't think it should be illegal not to have insurance. Just because a politician wants money for campaign and personal funds that's why it's illegal. The last almost 10 years car insurance has been required by law in Indiana. I've spend over 15k for something I've never even used before because I'm a good defensive driver, but because greed, and corruption run this country it is law, but it's one I doubt I'll respect for much longer. There's a mob of other people who've stopped paying for any kind of insurance saying it violates their constitutional right to pursue happiness, so it's actually illegal to have such a law.

I think if more people would rebel and enforce their rebellion a little better that could slow the corrupt take over or even reverse the process. I think it's funny how Republicans preach about being more liberal, but every Republican thinks people should have insurance, but I'm sure they all hold stock in those same insurance companies.
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