Many are intimidated by the subject of insurance. Everybody wants good insurance coverage as a precaution, but nobody wants to pay too much just because it can cause problems on its own.

It is always smarter to shop around for insurance coverage. Many people only look at the company they already have, or new products that might have become available.

Even if your insurance company covers it, don’t file any. If you go an extended period of time without a claim, you may get a discount on your premiums. Your full coverage will still be there for use if you …