Insurance premiums are so high, but people need insurance. There are many types. We have health insurance, homeowners insurance, flood insurance, car insurance and life insurance. Some people have even more than that. We haven’t had a major illness, but without health insurance, skyrocketing medical costs could bankrupt us. We’ve had to use our homeowners insurance twice, once when a horrific hail storm came through and we had to get a new roof. The other time was when straightline winds (several locals sited funnel clouds but on TV they said it was straightline winds) blew two huge 60 year old trees over on top of our house. That created a hole in our daughter’s walk-in closet. You could stand in her closet and look straight up and see the sky. So we definitely needed insurance in those two instances. But the thing about insurance is that it’s so expensive. That’s why it’s important to find the best price. One place to check is key man insurance. Insurance is one thing you don’t want to be without when you need it!