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Auto, home and health insurance are not even similar animals.
The auto and home insurance is not about you per se, but more about protecting other people as a result of something that may have to do with you or your property.
You wreck your car in to mine, I am affected.
Your house falls down and breaks my leg, I am affected.
You having hyper tension, brain tumor, heart disease, etc., I am not affected.
With all but health, you also have the choice to have the bare minimum which covers others and not your property.
Comparing the three as such isn't a decent arguement.
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