> This is why I try to avoid insurance policies wherever possible. You read a story about about a special case for a policy four orders of magnitude larger tha

> This is why I try to avoid insurance policies wherever possible. You read a story about about a special case for a policy four orders of magnitude larger than your own common case. The results of your cost/benefit analysis are that you should generally avoid insurance policies. I hate to defend the insurance industry, but it sounds to me like you're exactly the type of person who needs to have insurance.