&quot;Peace of mind&quot; is false advertising, you should not expect insurance to provide that to you.<p>You will always have to worry about unexpected expenses, because insurance companies are never going to insure everything that could possibly happen, <i>even if</i> you get a good policy that doesn&#x27;t dick you around on claims.<p>If you are expecting insurance to protect you from not knowing the risks, then you are taking a much bigger risk than not having insurance at all, because of the complacency that the belief you&#x27;re insured engenders.