Insurance is such a scam.  A friend of mine made two claims within about five years: once for water damage and once for a burglary.<p>The insurance company agreed that she was covered.  So they paid her and then dropped her.  No big deal, right?  Wrong.  Once you&#x27;ve made a claim or two against your insurance, it can be very hard to get any new insurance company to cover you.  She finally did find a new insurer, but the price has gone way up -- negating her original claims.<p>Did you know every claim you make goes into a CLUE report?  It&#x27;s like a credit report, but few people know about it.  Once you make &quot;too many claims&quot; - even if they&#x27;re legit and beyond your control, you become an insurance pariah.<p>Because of this, I avoid making any claims unless absolutely required.