Insurers offer a broad range of coverage options. Some coverages are crucial, but others aren’t worth much. When evaluating any coverage or deciding how much insurance to buy, keep in mind that the purpose of insurance is to protect you from losses you can’t afford to cover yourself. When you buy more insurance than you need or insure against small risks, you are wasting money. Click here for an illustration of about how much for a typical policy it costs to add coverage and