I'm sorry but paying $30 for legal insurance sounds like a red flag. Either they know for absolutely sure that they will never have to pay out on the insurance,

I'm sorry but paying $30 for legal insurance sounds like a red flag. Either they know for absolutely sure that they will never have to pay out on the insurance, or they don't intend to pay out if/when you need it. Have you read the fine print to make sure there isn't an exclusion that will void the insurance as soon as there is any kind of problem? E.g., if the user made any kind of mistake in declaring stuff to the filing company (even a trivial one), then the insurance is voided?