I think the biggest issue is to know that the insurance is really insuring. Meaning that many insurance are being bundled with some loan or special promotion, but those aren't really insured as many of the small letter makes your case not enforceable. I would love to have real insurance, but that is also something that might not mean what you want to. Example, a health problem might come out of nowhere with nothing to protect you, but also, many of the insurance might start dancing around what it protects and what doesn't.