<prompt> Human: After taking a deeper look into finances it hit me just how many insurance policies I have. It feels like I work just to pay bills that protect me from catastrophe.They all seem necessary, but at the same time insurance always feels like a scam that preys on uncertainty. Any advice? 2 cars comprehensive 1600year Life insurance term 400year Pet insurance 4 cats 1,800year Disability insurance self employed 630year Health Insurance 6,500year Flood Insurance 450year Home Insurance 1300year---12,680year in insurancesEdit: In relation to Flood Insurance, note that we are considered a Low-Moderate Risk Area.  <response>: Good lord that pet insurance is crazy. Do you have 4 cancer cats or something? 