Note: I'm not talking about one-time payment insurance such as the extended protection at Best Buy or the such... I'm talking about health insurance, homeowners insurance, that kind of insurance. I don't see the point of them. Why do you get them? They force you to pay, then basically tell you not to claim anything, because one claim will go on your records, and make you pay even more, and it all just ends up a scam. Why not make your own "insurance" account at the bank, and put some money in there every month? You can take it out for emergencies - health, home, etc - and you'll actually save money - and alots of it - because you don't have to deal with the insurance ********. Just wondering what's the benefits of getting insurance?