<prompt> Human: Ive been paying gobs and gobs of insurance car, house, health over the years. only to STILL pay gobs to cover things deductibles. only to find that a lof of the things that tend to happen the most are not covered. x200B;at this point, it would of been more cost effective I had just paid out of pocket for everything. x200B;Example: been paying 100month for homeowners insurance. NEVER used it. then, my foundation needed to be repaired. guess what? not covered. everything else, was small enough that deductible was more than cost so it didnt mater. x200B;what the hell am I paying you guys for? to sit on your golden thrones and extract money from the masses?x200B;I actaulyl calculated. over the past 12 years, between health insurance, home insurance, car insurance, insurance comapnies have made 56,000 dollars off of me. x200B;the amount I have actually redeemed: yearly physicals. x200B;yeah thats it. x200B;assholes. x200B;anyone else feel the same. what are my options? x200B;x200B;x200B;  <response>: Insurance is one of those things you pay for in the hopes of never needing to use it. Just because you havent used it yet doesnt mean you wont in the future. If your house burns down, or you get sued by a guestneighbor, get cancer, or get rear ended by an uninsured drunk driver, youll be glad you have it. 