Politics aside I just mean in general.
Home owners you have to have it.
Business as well.
The idea on your end is to invest in something you’ll never hope to use on money you can’t get back especially if you go somewhere else.
Insurance no matter what you invested they want to make sure they never have to pay you and always try to find ways to pay you when they have for as little as possible. Then if you use it they can drop you or raise rates on what you paid in.
Maybe scam isn’t the right word.