I'm interested in hearing people's perspectives on the issue of insurances. From home insurances to car insurances, health etc. Do you insure your stack in any way apart from excellent security? e.g house and contents. Landlord insurance if you've an IP - worth it, reasons? Car Insurance - comprehensive, extended third party or insure against no-claim bonus, get a hire car, windscreen exception etc? Life Insurance - Part of your planning? Income Insurance - Worth it? Tools insurance - Worth it? Health Insurance - Just pay the medicare levy and hope, or pay extra for some level of control? Health Extras Insurance for life's challenges, or save the premium for such things? Funeral Insurance - one never know do one. It seems to me that actuaries have the answers and insurance companies rely on the odds for the difference. Do you insure against the fear of the worst, or work out the odds, or do you put away an amount each week or month or year to cover such contingencies. Also, importantly, do you have recommendations or warnings about any pitfalls, companies or angles to consider.