Insurance is often a necessity—an expensive necessity. Car insurance averages $1,718 annually for full coverage, health insurance can cost more than $1,000 a month depending on your age and circumstances, and home insurance averages about $2,000 a year. Protecting what you have, from your possessions to your health, just keeps getting more and more expensive—and not all insurance is worth having.That doesn’t mean insurance is a scam—no matter how high those premiums might seem, when a claim gets paid it can save you from financial disaster. The flood insurance on my house is pretty expensive, but when the floods came a few years ago the insurance settlement saved our butts and enabled us to
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